Bank of America routing numbers in Florida depend on which branch you use
Bank of America uses different routing numbers based on the state where your account was opened, not where you live now. If your account was opened at a Florida branch, your routing number is 063100277. This nine-digit code tells the banking system which Bank of America processing center handles your account.
The routing number stays the same whether you're sending money out of state or receiving a wire transfer. It's printed on the bottom left of your checks, and you can also find it by logging into your Bank of America online account or calling customer service at 1-800-432-1000.
If your account was opened in a different state, you'll have a different routing number even if you now bank at a Florida branch. The state where you opened the account determines the routing number permanently — it doesn't change if you move or switch branches.
Key Takeaways
- Bank of America's routing number for Florida accounts is 063100277, used for wire transfers and direct deposits.
- Your routing number is determined by the state where you opened your account, not your current location or branch.
- You can find your routing number on the bottom left of your checks, in your online account, or by calling 1-800-432-1000.
- If you opened your account in another state, you'll have a different routing number even if you now use a Florida branch.
- Always confirm your routing number before sending a wire transfer, because using the wrong one can delay or misdirect your money.
Where to find your routing number online
Log into your Bank of America account at bankofamerica.com and go to the account details or account information section. Your routing number appears alongside your account number. This is the fastest way to confirm the exact routing number tied to your specific account.
If you don't have online access set up, you can call Bank of America's customer service line at 1-800-432-1000. Have your account number ready, and a representative can tell you your routing number over the phone. They can also confirm whether your account was opened in Florida or another state.
Routing number vs. account number for wire transfers
The routing number and account number are two separate pieces of information, and you need both to send or receive a wire transfer. The routing number (063100277 for Florida Bank of America accounts) identifies the bank and processing center. Your account number identifies your specific account within that bank.
When you wire money, you provide both numbers to your bank. The routing number directs the money to Bank of America's Florida processing center, and the account number tells that center which specific account to deposit the funds into. If either number is wrong, the transfer can be delayed or sent to the wrong account.
What happens if you use the wrong routing number
Using an incorrect routing number typically results in a delayed wire transfer. The money may bounce back to the sending bank, or it could be held in a suspense account while the banks sort out where it should go. This process usually takes several business days.
Some wire transfers with wrong routing numbers do reach the correct account by accident if the account number matches an account at the wrong bank. However, you cannot count on this. Always double-check both the routing number and account number before confirming a wire transfer.
International wire transfers from Bank of America in Florida
For international wire transfers out of your Florida Bank of America account, you'll still use the routing number 063100277 when sending the initial instruction to Bank of America. However, the receiving bank abroad will need additional information, including a SWIFT code (also called a BIC code) for the foreign bank.
Bank of America's SWIFT code is BOFAUS3N. You may also need the receiving bank's name, address, and account number in the format that bank uses. Call Bank of America at 1-800-432-1000 before sending an international wire to confirm all the details the receiving bank requires, because different countries have different standards.
Confirming your routing number before a wire transfer
Before you initiate any wire transfer, log into your Bank of America account or call customer service to verify your routing number matches 063100277. This takes two minutes and prevents costly mistakes. Write down both your routing number and account number, and read them aloud to confirm before you submit the transfer.
If you're receiving a wire transfer, give the sender your routing number, account number, and your full name as it appears on your account. Ask the sender to read back the information before they submit the transfer on their end. Once a wire transfer is sent, it's difficult to stop or redirect.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers in Florida?
No. The routing number depends on which state your account was opened in, not where you live or bank now. If you opened your account in Florida, your routing number is 063100277. If you opened it in another state, you have a different routing number.
Can I find my routing number on my debit card?
No, your routing number does not appear on your debit card. It's printed on the bottom left of your checks, visible in your online account, or available by calling customer service. Your debit card shows only your card number and expiration date.
Do I need a different routing number for ACH transfers versus wire transfers?
No, the same routing number (063100277 for Florida accounts) works for both wire transfers and ACH transfers. The routing number identifies your bank and processing center regardless of the transfer method.
What if I opened my Bank of America account in Florida but moved to another state?
Your routing number stays 063100277 because it's tied to where you opened the account, not where you live now. You don't need to update anything or open a new account when you move.
How long does a wire transfer take if I use the correct routing number?
Domestic wire transfers typically arrive the same business day or the next business day, depending on what time you send them and whether both banks process it immediately. International wire transfers usually take three to five business days.