Bank of America routing numbers depend on where you opened your account and which service you're using
Bank of America uses different routing numbers for different regions and transaction types. The routing number you need for a wire transfer is not the same as the one printed on your checks, and using the wrong one will delay or reject your transfer. Before you wire money, you need to confirm which routing number applies to your specific account and the type of wire you're sending.
The most common routing number for Bank of America checking and savings accounts is 026009593 for the East Coast region. However, Bank of America operates multiple routing numbers across the country — California, Texas, Florida, and other regions each have their own. If you use the wrong regional number, the wire may still go through, but it can take longer or fail entirely.
Key Takeaways
- Bank of America's routing number for wire transfers varies by the state where you opened your account, not where you currently live.
- The routing number on your checks is often different from the one you need for wire transfers, so do not assume they match.
- You can find your correct routing number by calling Bank of America customer service, logging into your online account, or visiting a branch with your account number.
- International wire transfers to Bank of America accounts use a different code called a SWIFT code (BOFAUS3N) rather than a routing number.
How to find your routing number online or by phone
The fastest way to confirm your routing number is to log into your Bank of America online account or mobile app. Go to your account settings or account details section — most accounts display the routing number alongside your account number. If you cannot find it there, call Bank of America's customer service line at 1-800-432-1000 and have your account number ready. A representative can tell you the exact routing number for your account in under a minute.
You can also visit a Bank of America branch in person with your ID and account number. The teller can write down your routing number and confirm it is correct for wire transfers. This is useful if you want to verify the number before sending a large wire or if you do not have online access to your account.
Routing numbers by region
Bank of America maintains separate routing numbers for different parts of the country. The table below shows the most commonly used routing numbers, but your account's routing number depends on which state or region you opened it in, not where you live now.
| Region | Routing Number |
|---|---|
| California | 121000248 |
| Texas | 111000025 |
| Florida and the Southeast | 061000052 |
| New York and the Northeast | 021200025 |
| Illinois and the Midwest | 071000013 |
| Other regions (East Coast default) | 026009593 |
If you opened your account in California but moved to New York, you still use the California routing number. The routing number is tied to the branch where the account was opened, not your current location. If you are unsure which state you opened your account in, check your account paperwork or call customer service.
The difference between routing numbers and SWIFT codes
If someone outside the United States is sending you money to your Bank of America account, they will need a SWIFT code, not a routing number. Bank of America's SWIFT code is BOFAUS3N. SWIFT codes are used for international wire transfers and work differently than domestic routing numbers.
For international wires, the sender also needs your full account number, your name exactly as it appears on your account, and your Bank of America branch address. Some international transfers also require an IBAN (International Bank Account Number), though Bank of America accounts do not use IBANs — the SWIFT code and account number are sufficient.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the wire transfer may be rejected outright, or it may be sent to the wrong bank and returned to the sender. Bank of America's system will sometimes catch a mismatched routing number before the wire leaves, but not always. A wire sent to the wrong routing number can take several days to bounce back, during which time the money is in limbo.
If you realize you used the wrong routing number after sending a wire, contact Bank of America immediately. Provide the wire confirmation number, the amount, the recipient's name, and the date you sent it. Bank of America can sometimes intercept the transfer or help trace it, but the sooner you report the error, the better your chances of recovering the money quickly.
Routing number versus account number
Your routing number identifies the Bank of America branch or region where your account is held. Your account number identifies your specific account within that branch. Both are required to send or receive a wire transfer. The routing number is typically nine digits; your account number is longer and appears on your checks and statements.
The routing number printed on the bottom left of your checks is usually correct for wire transfers, but not always — some older checks or accounts may have a different routing number for wires. Always confirm with Bank of America directly rather than relying on your checks, especially if your account is older or if you have moved.
Frequently Asked Questions
Is the routing number on my checks the same as the one I need for a wire transfer?
Usually, but not always. The routing number on your checks is printed for standard ACH transfers and check processing. Bank of America sometimes uses a different routing number for wire transfers depending on your account type and region. Call customer service or check your online account to confirm the wire transfer routing number before sending money.
Can I use the same routing number for incoming and outgoing wires?
Yes. The routing number for your Bank of America account works for both receiving and sending wire transfers. You provide it to people sending you money, and you use it when you initiate a wire from your own account.
What if I opened my account online and do not know which region it belongs to?
Log into your Bank of America online account and look for your routing number in the account details or settings section. If it is not listed there, call 1-800-432-1000 with your account number. The representative will tell you which region your account is assigned to and confirm your routing number for wire transfers.
Do I need a different routing number for international wire transfers?
No. Use your regular Bank of America routing number for international wires, but also provide the SWIFT code (BOFAUS3N) so the foreign bank can identify Bank of America correctly. The sender will need your account number, your name, and the SWIFT code in addition to the routing number.
What should I do if my wire was sent to the wrong routing number?
Contact Bank of America immediately with your wire confirmation number, the amount, the recipient's details, and the date sent. Bank of America can sometimes stop the transfer or help trace it to the wrong bank. The faster you report the error, the better the chance of recovering the funds before they are lost.