Which Bank of America routing number to use in New York
Bank of America has multiple routing numbers depending on where your account is held and what type of transaction you're making. For wire transfers from a New York Bank of America branch or account, the routing number is 021000021. This is the primary routing number for Bank of America's New York operations and works for domestic wire transfers.
If you're sending money out of a Bank of America account in New York, your bank will use this routing number to route the funds to the receiving bank. If you're receiving a wire transfer into a New York Bank of America account, you'll give this number to the sender or their bank. The routing number stays the same whether you're wiring within New York, to another state, or receiving funds from out of state.
Bank of America also maintains a separate routing number for ACH transfers (automated clearing house payments like bill pay or direct deposits), which is different from the wire transfer number. For wire transfers specifically, always use 021000021.
Key Takeaways
- The wire transfer routing number for Bank of America in New York is 021000021, used for both sending and receiving domestic wires.
- This routing number applies to all Bank of America accounts in New York regardless of account type or branch location within the state.
- Wire transfers using the correct routing number typically process within one business day, though timing depends on when the transfer is initiated.
- You can verify the routing number on your Bank of America checks, through your online banking portal, or by calling Bank of America customer service.
Where to find your routing number if you're unsure
The easiest place to locate your Bank of America routing number is on the bottom left of any check you have from your New York account. The first nine digits printed on the check are the routing number. If you don't have checks available, log into your Bank of America online banking account and navigate to your account details or account information page — the routing number is listed there.
You can also call Bank of America's customer service line at 1-800-432-1000 and confirm the routing number with a representative. Have your account number ready when you call. Bank of America's website also has a routing number lookup tool where you can enter your state and account type to confirm the correct number.
What happens if you use the wrong routing number
If you provide an incorrect routing number for a wire transfer, the receiving bank may reject the transfer or send it to the wrong financial institution. This delays your money and can take several days to resolve. The sending bank will typically return the funds to the originating account once they realize the routing number doesn't match the receiving bank information you provided.
Some wire transfers with incorrect routing numbers get stuck in a holding status for days while the banks work to sort out where the money should go. To avoid this, double-check the routing number against your checks or your online banking portal before you initiate any wire transfer. If you're unsure, contact Bank of America directly rather than guessing.
Routing numbers versus account numbers
The routing number and account number are two different pieces of information, and both are needed to complete a wire transfer. The routing number (021000021 for Bank of America in New York) identifies which bank holds the account. The account number is unique to your individual account at that bank and is typically 10 to 12 digits long.
When you wire money, you provide both pieces of information to the sending bank or person. The routing number tells the sending bank where to send the money; the account number tells that bank which specific account within Bank of America should receive it. Without either one, the transfer cannot be completed.
International wire transfers from Bank of America in New York
If you're sending money outside the United States from a New York Bank of America account, you'll need additional information beyond the routing number. International wires require a SWIFT code (also called a BIC code) for the receiving bank, the recipient's international account number, and sometimes an IBAN (International Bank Account Number) depending on the country.
Bank of America's SWIFT code is BOFAUS3N. However, the process for international wires is more complex than domestic transfers, and fees are typically higher. Contact Bank of America directly before sending an international wire to confirm all required information and to understand the fees involved. Processing times for international wires are usually three to five business days.
Wire transfer fees and timing at Bank of America
Bank of America charges a fee for outgoing domestic wire transfers, though the amount varies depending on whether you're a basic customer or have a premium account. Incoming wire transfers are typically free. The fee is usually between $15 and $30 for outgoing wires, but you should confirm the current fee with your branch or online banking portal before initiating a transfer.
Domestic wire transfers initiated before the bank's cutoff time (usually 2 p.m. or 3 p.m. Eastern Time on business days) typically arrive the same business day. Transfers initiated after the cutoff or on weekends and holidays process the next business day. The receiving bank may take an additional day to make the funds available to the recipient, depending on their own processing procedures.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America locations?
No. 021000021 is specific to Bank of America's New York operations. Other states have different routing numbers. If your account is held at a Bank of America branch outside New York, you'll need a different routing number. Check your checks or contact Bank of America to confirm the correct number for your account location.
Can I use the same routing number for ACH transfers and wire transfers?
No. Bank of America uses different routing numbers for ACH transfers (like bill pay or direct deposit) and wire transfers. For wire transfers in New York, use 021000021. For ACH transfers, the number is different. Always confirm which type of transfer you're making and use the correct routing number for that transaction type.
What if I'm receiving a wire transfer into my New York Bank of America account?
You provide the sender with the same routing number: 021000021. You'll also give them your full account number and your name as it appears on the account. The sender's bank uses this information to route the funds to your specific account at Bank of America's New York operations.
How do I know if my wire transfer went through?
Log into your Bank of America online banking account and check your transaction history. Wire transfers typically show as pending for a few hours, then change to posted once the receiving bank accepts them. You can also call Bank of America customer service or visit a branch to confirm the status of a wire transfer you initiated.