Bank of America's California routing number for wire transfers
Bank of America uses routing number 121000248 for wire transfers sent from California branches. This is the same routing number for all Bank of America locations across the United States — the bank does not issue different numbers by state or region.
When you initiate a wire transfer through Bank of America in California, you will provide this routing number along with the recipient's account number and the receiving bank's details. The routing number tells the Federal Reserve and other banks in the payment network where to send the money.
If you are receiving a wire transfer into a Bank of America account in California, you give the sender this same routing number. The sender's bank uses it to locate your Bank of America branch and deposit the funds into your account.
Key Takeaways
- Bank of America's routing number for wire transfers is 121000248, whether you are sending from or receiving into a California account.
- You will also need the recipient's account number, the receiving bank's name and address, and the recipient's full name to complete a wire transfer.
- Wire transfers through Bank of America typically arrive within one business day if sent before the bank's cutoff time, usually 2 p.m. Pacific Time.
- Bank of America charges a fee for outgoing domestic wire transfers; the amount varies by account type and changes periodically.
What information you need to send a wire transfer from Bank of America
Beyond the routing number, you must provide several pieces of information for the wire to reach its destination. Have the recipient's full legal name, their account number at the receiving bank, and the name and address of the receiving bank ready before you start.
If the wire is going to another country, you will also need the recipient's bank's SWIFT code (an international identifier similar to a routing number) and possibly an IBAN (International Bank Account Number). Bank of America staff can help you locate this information if you have the recipient's bank details.
Double-check all account numbers and names before confirming the transfer. Wire transfers are difficult to reverse once sent, and a mistake in the account number can send money to the wrong person or institution.
How to initiate a wire transfer at Bank of America in California
You can send a wire transfer through Bank of America online, by phone, or in person at a California branch. Online transfers through the Bank of America website or mobile app are available 24/7, though transfers initiated after 2 p.m. Pacific Time on a business day will process the next day.
To send a wire online, log into your account, select "Transfer Money," choose "Wire Transfer," and enter the recipient's information and the routing number. The system will confirm the details before you authorize the transfer.
If you prefer to send a wire in person, visit any Bank of America branch in California with your account information and the recipient's details. A representative will complete the wire and provide you with a confirmation number. Phone wire transfers are also available by calling the number on the back of your debit or credit card.
Wire transfer fees and processing times
Bank of America charges a fee for outgoing domestic wire transfers. The fee amount depends on your account type and whether you are a customer with other Bank of America products; the bank periodically adjusts these fees. Check your account terms or call your local branch for the current fee.
Incoming wire transfers to your Bank of America account in California are typically free, though some account types may have restrictions. Domestic wires usually arrive within one business day if sent before the bank's cutoff time. International wires take longer — typically three to five business days — because they pass through additional banks and clearing systems.
Weekends and federal holidays extend processing times. A wire sent on Friday afternoon may not arrive until Tuesday morning.
Difference between Bank of America's routing number and account number
The routing number (121000248) identifies Bank of America as the institution. Your account number identifies your specific account within that bank. Both are necessary for a wire transfer: the routing number directs the money to Bank of America, and the account number directs it to your account once it arrives.
You can find your account number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service. Never share your full account number with anyone you do not trust, even though the routing number is public information.
What to do if a wire transfer goes wrong
If a wire transfer you sent does not arrive within the expected timeframe, contact Bank of America immediately. Provide your confirmation number and the recipient's information. The bank can trace the wire through the Federal Reserve system and determine where it is.
If the wire was sent to the wrong account due to an error on your part, recovery is difficult. Bank of America can contact the receiving bank and ask them to return the funds, but the receiving bank is not required to comply. If the receiving bank refuses, you may have limited recourse.
If you received a wire transfer that appears to be fraudulent or sent in error, do not spend the money. Contact Bank of America and the sending bank immediately. Fraudulent wires are sometimes reversed after the fact, and you could be held responsible if you have already used funds that are later recalled.
Frequently Asked Questions
Is the routing number different for different types of Bank of America accounts?
No. Bank of America uses routing number 121000248 for all account types — checking, savings, money market, and others. The routing number identifies the bank, not the account type.
Can I use this routing number to set up automatic payments or direct deposit?
Yes. The same routing number works for direct deposit, automatic bill payments, and other recurring transfers to or from your Bank of America account in California.
What if I send a wire to the wrong Bank of America branch in California?
It does not matter which branch you specify. Bank of America's routing number directs the wire to the bank's system, and the account number directs it to your specific account regardless of which branch you use or where you opened the account.
How long does a wire transfer take if I send it on a Friday?
A wire sent before 2 p.m. Pacific Time on Friday will typically arrive at the receiving bank by Monday or Tuesday, depending on whether Monday is a federal holiday. Wires sent after 2 p.m. Friday will not process until Monday.
Do I need to provide the routing number if I am receiving a wire transfer?
Yes. The person or business sending you money needs your routing number (121000248), your account number, and your name to complete the wire. Provide all three pieces of information to avoid delays.