Bank of America routing numbers vary by state and account type
Bank of America does not use a single routing number across Florida or the entire country. The routing number you need depends on which state your account is held in and sometimes which branch opened it. For wire transfers, you must use the correct routing number or your money will be delayed or sent to the wrong bank.
If your Bank of America account is based in Florida, the routing number is typically 061000052. However, if you opened your account in a different state or moved and kept an out-of-state account, your routing number may be different. The safest way to confirm is to check your own documents rather than rely on a number you find online.
Key Takeaways
- Bank of America's Florida routing number is usually 061000052, but you should verify this against your own account documents before sending a wire.
- Your routing number appears on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America directly.
- Using the wrong routing number will delay your wire transfer and may send funds to an unintended account, so double-check before you initiate the transfer.
- If you opened your account in another state, your routing number may not be the Florida number even if you live there now.
Where to find your routing number on your checks
The easiest place to locate your routing number is on a blank check from your Bank of America account. Look at the bottom left corner of the check. You will see three sets of numbers: the routing number (nine digits) comes first, followed by your account number, then the check number on the right.
If you do not have checks or prefer not to use them, this method still works if you have ever received a deposit into your account — your employer or another source may have sent you a check stub or statement showing the routing number. Keep in mind that the routing number on your checks is specific to your account's home state and branch type, so it is the most reliable source for your wire transfer.
How to find it in your online banking portal
Log into your Bank of America online account or mobile app and navigate to the account details or account information section. This is usually found under "Account Settings" or "My Accounts." Bank of America displays your routing number alongside your account number in this section.
The online method is fast and does not require you to have checks on hand. Write down the routing number exactly as it appears, including all nine digits. If you cannot locate it in your portal, the next step is to call Bank of America directly.
Calling Bank of America customer service
You can reach Bank of America's customer service line at 1-800-432-1000. Have your account number or Social Security number ready. A representative will confirm your identity and provide your routing number over the phone.
This method is useful if you are unsure whether the number you found is correct or if you have questions about whether your account qualifies for wire transfers. Bank of America representatives can also tell you if there are any limits or fees associated with outgoing wires on your account type.
Why the routing number matters for wire transfers
A wire transfer moves money directly from one bank account to another through the Federal Reserve's network. The routing number tells the Federal Reserve which bank to send the money to. If you use the wrong routing number, the wire may go to a different Bank of America branch, a different bank entirely, or be rejected outright.
Unlike a check, which can take days to clear and can be stopped, a wire transfer is usually final within hours. Once the money leaves your account, you cannot reverse it if the routing number was wrong. This is why verifying the number against your own documents is critical before you initiate any wire.
Common mistakes to avoid
Do not assume that all Bank of America accounts in Florida use the same routing number. If you moved to Florida from another state and kept your original account, your routing number reflects the state where you opened it, not where you live now. Verify your specific routing number rather than using a general Florida number.
Do not copy a routing number from an email, text message, or website without confirming it against your own check or online portal. Scammers sometimes send fake wire instructions with incorrect routing numbers to redirect funds. Always pull the number directly from a source you control — your check, your online account, or a call you initiate to Bank of America's official number.
What happens if you use the wrong routing number
If you wire money using an incorrect routing number, the Federal Reserve will attempt to deliver it to the bank identified by that number. If that bank does not recognize the account number you provided, the wire may be rejected and returned to your account within one to three business days. If the routing number belongs to a real bank but the account number does not match, the receiving bank may hold the funds while they investigate.
In either case, you will not have access to your money during the delay, and you may incur fees from your bank for the failed or returned wire. This is why taking 30 seconds to verify the routing number before you hit send is worth the time.
Frequently Asked Questions
Is the routing number the same for all Bank of America branches in Florida?
No. Bank of America uses different routing numbers by state. If your account is based in Florida, the routing number is typically 061000052. However, if you opened your account in another state, your routing number reflects that state even if you now live in Florida. Check your own documents to be certain.
Can I use my account number instead of my routing number for a wire transfer?
No. A wire transfer requires both your routing number and your account number. The routing number tells the Federal Reserve which bank to send the money to; the account number identifies which account at that bank receives it. Both are necessary.
What if Bank of America tells me my routing number is different from what I found online?
Trust what Bank of America tells you. Routing numbers can change, and information online may be outdated or incorrect. Use the number the bank provides directly, especially if you are about to send a wire.
Do I need a different routing number for incoming and outgoing wires?
No. The same routing number works for both incoming and outgoing wire transfers. If someone is sending you money, give them the same routing number you would use to send money out.
Will my wire transfer fail if I use an old routing number?
It may. Bank of America has consolidated branches and changed routing numbers over time. If you are using a routing number from several years ago, verify it against your current check or online portal before sending a wire.