The routing number for Bank of America in North Carolina is 026009593
If you are sending a wire transfer from a Bank of America account in North Carolina, you will need the routing number 026009593. This nine-digit code tells the banking system which Bank of America location processes your account. The routing number is the same whether you are wiring money out of state or within North Carolina — it identifies Bank of America's Federal Reserve district, not your specific branch.
You will find this routing number on the bottom left of your checks, or you can call Bank of America customer service at 1-800-432-1000 to confirm it. The routing number does not change based on which branch you use or which city you live in within the state.
Key Takeaways
- Bank of America's routing number for North Carolina wire transfers is 026009593, which appears on the bottom left of your checks.
- The routing number is the same for all Bank of America customers in North Carolina, regardless of which branch they use.
- You will also need the recipient's account number and the receiving bank's routing number to complete a wire transfer.
- Wire transfers typically process within one business day, but you should confirm the exact timing with your bank before sending.
- Bank of America charges a fee for outgoing wire transfers, which varies depending on whether you are sending domestically or internationally.
Where to find your routing number on your Bank of America check
The routing number appears in the bottom left corner of your check, printed as the first set of nine digits. It comes before your account number, which is the longer sequence of digits to its right. If you do not have a check handy, you can log into your Bank of America online account or mobile app and look for the routing number in the account details section.
Some Bank of America customers have multiple accounts or account types. The routing number stays the same across all of them — only your account number changes. This means you can use 026009593 for any wire transfer from any of your Bank of America accounts in North Carolina.
What information you need to send a wire transfer
Beyond your routing number, you will need several pieces of information to complete a wire transfer. You must have the recipient's full name, their account number, and their bank's routing number. If the recipient's bank is outside the United States, you will also need the bank's SWIFT code, which is an international identifier similar to a routing number.
You will also need to know the exact amount you want to send. Wire transfers are final once they leave your account, so double-check all the details — especially the recipient's account number and routing number — before confirming the transfer. A single digit wrong in the account number can send your money to the wrong person.
How to send a wire transfer from Bank of America
You can initiate a wire transfer through Bank of America's website, mobile app, or by calling customer service. Online and mobile transfers are usually the fastest option. Log into your account, select "Transfer Money," and choose "Wire Transfer" from the menu. Enter the recipient's information, the amount, and confirm the details before submitting.
If you prefer to do it in person, you can visit any Bank of America branch in North Carolina with your ID and the recipient's banking information. The teller will walk you through the process and can answer questions about fees or timing. Phone transfers are also available by calling 1-800-432-1000, though you may need to verify your identity with security questions.
Wire transfer fees and processing time
Bank of America charges a fee for outgoing wire transfers. Domestic wire transfers (within the United States) typically cost between $10 and $15, depending on your account type and whether you are a premium customer. International wire transfers cost more — usually $35 to $45 — because they pass through additional banking networks.
Most domestic wire transfers process within one business day, often the same day if you send before the bank's cutoff time (usually 2 p.m. or 3 p.m. local time). International transfers can take three to five business days. Bank of America will give you a confirmation number when you send the transfer, which you can use to track it or contact the bank if there are questions.
Differences between wire transfers and other ways to send money
Wire transfers are faster and more secure than checks or ACH transfers, but they cost more and cannot be reversed once sent. An ACH transfer (Automated Clearing House) is slower — usually three to five business days — but costs little or nothing and can sometimes be stopped if you catch it quickly. A check takes even longer but has no fee and can be cancelled if it has not been cashed.
Choose a wire transfer when you need money to arrive quickly and the recipient is reliable. Choose ACH or a check when you have time to wait or want to keep costs down. Bank of America can help you decide which method makes sense for your situation if you call customer service.
What to do if you made a mistake on a wire transfer
If you realize you sent money to the wrong account or with the wrong amount, contact Bank of America immediately. Call 1-800-432-1000 and explain the error. The bank can sometimes stop the transfer if it has not yet been processed, but this is only possible within a narrow window — usually a few hours at most.
If the transfer has already been sent, the bank cannot reverse it directly. Instead, you will need to contact the receiving bank and ask them to return the funds. This process can take weeks and is not always successful, especially if the recipient has already withdrawn the money. This is why confirming all details before sending is so important.
Frequently Asked Questions
Is the Bank of America routing number different for each branch in North Carolina?
No. All Bank of America customers in North Carolina use the same routing number: 026009593. The routing number identifies Bank of America's Federal Reserve processing center, not your individual branch. Your branch location does not change the routing number you use for wire transfers.
Can I use this routing number for ACH transfers or just wire transfers?
You can use this routing number for both wire transfers and ACH transfers. The routing number 026009593 works for any type of electronic transfer from a Bank of America account in North Carolina. However, always confirm the routing number with your bank before sending money, as some account types or older accounts may use different codes.
What time of day should I send a wire transfer to make sure it goes through today?
Most Bank of America wire transfers sent before 2 p.m. or 3 p.m. local time will process the same business day. After that cutoff, the transfer typically processes the next business day. Call Bank of America or check your online account for the exact cutoff time, as it can vary slightly by location and account type.
Do I need a different routing number if I am sending money to someone outside the United States?
No, you still use 026009593 as your routing number. However, the recipient's bank will need its SWIFT code instead of a routing number, since routing numbers are only used within the United States. Bank of America can provide the recipient's bank SWIFT code if you do not have it, or you can search for it online using the bank's name and country.