Bank of America routing numbers for domestic wire transfers
Bank of America uses different routing numbers depending on which state your account is held in and what type of transfer you are sending. For domestic wire transfers (money moving between U.S. banks), you need the routing number that matches your account's home state, not your current location.
The routing number is a nine-digit code that tells the Federal Reserve and other banks where to send your money. Bank of America's routing numbers are assigned by the American Bankers Association and are public information — you can find yours without calling customer service.
The most common Bank of America routing number for domestic wires is 026009593, which covers accounts in most states. However, some states have their own routing numbers. If you send a wire using the wrong routing number, the transfer may be delayed or rejected by the receiving bank.
Key Takeaways
- Bank of America's primary domestic wire routing number is 026009593, but some states have separate routing numbers you must use instead.
- Your routing number depends on the state where your account was opened, not where you live now or where you are sending money.
- You can find your specific routing number on a check, through your online banking portal, or by calling Bank of America customer service.
- Using the wrong routing number can delay or reject your wire transfer, so confirm the correct number before you send.
How to find your routing number on a check
The easiest way to find your Bank of America routing number is to look at a check from your account. The routing number is the first nine digits printed at the bottom left of the check, before your account number.
The check will show the routing number in two places: printed in magnetic ink at the bottom, and sometimes also printed in the upper right corner. Both are the same number. If you do not have a check available, use one of the other methods below instead of guessing.
Finding your routing number online or by phone
Log into your Bank of America online banking account and go to the account details or account information section. The routing number is usually listed there along with your account number. You can also view it in the Bank of America mobile app under account settings.
If you do not have online access or prefer to speak with someone, call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can tell you your routing number in less than a minute and can also confirm whether you need a state-specific routing number.
State-specific routing numbers for Bank of America
Most Bank of America accounts use routing number 026009593 for domestic wires. However, if your account was opened in one of these states, you may need a different routing number: Arizona, California, Colorado, Florida, Georgia, Illinois, Michigan, Missouri, Nevada, New Mexico, New York, Oregon, Tennessee, Texas, Utah, or Washington.
The difference matters only for wire transfers. If you are using your routing number for direct deposit, bill pay, or other routine transactions, the primary routing number usually works regardless of state. When in doubt, use the routing number printed on your check — that is always the correct one for your account.
What happens if you use the wrong routing number
If you send a wire transfer using an incorrect routing number, the receiving bank may reject it or send it to the wrong institution. The money does not disappear, but the transfer can take several extra days to be returned to your Bank of America account.
Some receiving banks will attempt to correct a wrong routing number if the account number is correct, but this is not may provide. The safest approach is to confirm your routing number before you initiate any wire transfer. Bank of America does not charge a fee to correct a misdirected wire, but the delay can be frustrating if you need the money quickly.
Routing number versus account number
Your routing number and account number are two separate pieces of information. The routing number identifies your bank (or your bank's branch in some cases). Your account number identifies your specific account within that bank. You need both to send or receive a wire transfer.
On a check, the routing number comes first (nine digits on the left), followed by your account number (usually 10 to 12 digits). When someone asks for your "banking information" for a wire, they are asking for both numbers. Never share your full account number with anyone unless you have initiated the transaction yourself.
International wire transfers and routing numbers
If you are sending money outside the United States, you do not use a routing number. International wires require a SWIFT code (also called a BIC code) instead. Bank of America's SWIFT code for most international transfers is BOFAUS3N.
You may also need an IBAN (International Bank Account Number) if you are sending to certain countries in Europe, the Middle East, or Africa. Ask the person or business receiving the money what information they need — they will tell you whether to use a SWIFT code, IBAN, or both. Your bank's routing number is not used for international transfers.
Frequently Asked Questions
Can I use the same routing number for all types of transfers?
The routing number on your check works for wire transfers, direct deposits, and bill payments. However, some online payment systems or third-party apps may ask for a different code. When in doubt, use the number from your check — that is the official routing number for your account.
What if my check shows a different routing number than what Bank of America's website says?
Use the number on your check. The check is the authoritative source for your specific account's routing number. If the website shows something different, it may be displaying the primary routing number rather than your state-specific one. Call customer service if you want to confirm, but the check is always correct.
Do I need a routing number to transfer money between my own Bank of America accounts?
No. Transfers between your own Bank of America accounts happen within the bank's system and do not require a routing number. You only need a routing number when sending money to a different bank or when receiving a wire from outside Bank of America.
Is my routing number the same as my bank's main routing number?
Usually, yes — most Bank of America accounts use the same primary routing number. However, some state-specific accounts have their own routing numbers. The routing number on your check is the one assigned to your account, so that is the one to use. Do not assume all Bank of America accounts share the same routing number.
What if I moved to a different state after opening my account?
Your routing number does not change when you move. It is tied to the state where you opened the account, not where you live now. If you opened your account in Texas and moved to California, you still use your Texas routing number for wire transfers.