What routing number you need depends on where your Bank of America account is and what kind of transfer you're making
Bank of America has different routing numbers for different regions and transfer types. The most commonly used routing number for domestic wire transfers is 021000021, which covers most Bank of America accounts across the United States. However, if your account is held at a Bank of America subsidiary or in a specific region, you may need a different number. Using the wrong routing number can delay your transfer or send money to the wrong place.
Your account statement, online banking portal, or a call to Bank of America customer service will confirm which routing number applies to your specific account. Never guess — a routing number mismatch can cost you time and money.
Key Takeaways
- The standard Bank of America routing number for domestic wire transfers is 021000021, but regional and subsidiary accounts may use different numbers.
- Your account statement or online banking dashboard shows your correct routing number without having to call.
- Using an incorrect routing number can delay your transfer or route funds to the wrong financial institution.
- Bank of America wire transfers typically process within one business day for domestic transfers, though timing depends on when you send the request.
- International wire transfers from Bank of America require a SWIFT code in addition to the routing number.
How to find your Bank of America routing number
The fastest way is to log into your Bank of America online account or mobile app. Look for account details or account information — the routing number is listed there. You can also check the bottom left corner of your checks; the first nine digits printed there are your routing number.
If you do not have access to your account online or your checks, call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can confirm your routing number in under a minute.
When Bank of America's standard routing number does not apply
Bank of America operates through subsidiaries and regional divisions that sometimes use their own routing numbers. If your account is held through Merrill Edge, U.S. Trust, or a Bank of America subsidiary, the routing number may differ from 021000021. The same applies if your account is held at a Bank of America branch outside the continental United States.
Your account statement will show the correct routing number for your specific account type. If you are unsure whether your account uses a non-standard routing number, ask your bank directly rather than assuming the standard number will work.
Domestic versus international wire transfers
For domestic wire transfers within the United States, you need only the routing number, account number, and the recipient's name and address. Bank of America processes domestic wires within one business day in most cases.
International wire transfers require additional information: the recipient's bank SWIFT code (also called a BIC code), the recipient's IBAN or account number in their country's format, and sometimes an intermediary bank's details. Bank of America charges a fee for outgoing international wires, and the transfer may take three to five business days depending on the destination country and receiving bank.
What happens if you use the wrong routing number
If you send a wire with an incorrect routing number, the receiving bank may reject it and return the funds to Bank of America, which then returns them to you. This process typically takes three to five business days. During that time, your money is in transit and you cannot access it.
In rare cases, an incorrect routing number may route your transfer to a different financial institution entirely. If this happens, contact Bank of America immediately with your wire confirmation number. The bank can attempt to trace and recover the funds, but recovery is not may provide and can take weeks.
Bank of America wire transfer fees and timing
Bank of America charges a fee for outgoing domestic wire transfers — the amount varies by account type and whether you are a customer or non-customer. Incoming wire transfers to your Bank of America account are free. Ask your bank for the current fee before you send, as rates change periodically.
Domestic wires sent before 2 p.m. Eastern Time on a business day typically process the same day. Wires sent after 2 p.m. or on weekends and holidays process the next business day. International wires take longer and are subject to additional processing by intermediary banks.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America accounts?
It is the standard routing number for most Bank of America accounts, but not all. Subsidiary accounts, regional accounts, and some business accounts may use different routing numbers. Check your account statement or online banking to confirm your specific routing number.
Can I find my Bank of America routing number on my debit card?
No. Debit cards do not print routing numbers. Check your checks, your account statement, or log into your online account. You can also call Bank of America customer service to confirm.
What do I do if my wire transfer does not arrive?
Contact Bank of America with your wire confirmation number and the date you sent it. The bank can trace the transfer and determine whether it was rejected, delayed, or routed incorrectly. Provide the recipient's bank name and account details so the bank can help locate the funds.
Do I need a SWIFT code to send money to another Bank of America account?
No. For transfers between two Bank of America accounts in the United States, you need only the routing number and account number. SWIFT codes are required only for international transfers to banks outside the United States.