Bank of America's routing number in New York is 021000021
This is the routing number for all Bank of America locations in New York State, regardless of which branch you use. The number stays the same whether you're wiring money from Manhattan, Brooklyn, or anywhere else in the state. You'll need this nine-digit code to complete a wire transfer out of your Bank of America account.
The routing number identifies your bank to the Federal Reserve and the banking system that processes wire transfers. When you send money to someone else's account, the receiving bank uses this number to confirm the funds are coming from Bank of America. Without the correct routing number, your wire transfer will either be rejected or sent to the wrong place.
Key Takeaways
- Bank of America's routing number for New York is 021000021, and it applies to all branches in the state.
- You need the routing number, the recipient's account number, and the recipient's bank information to send a wire transfer.
- You can find your routing number on the bottom left of your checks, in your online banking account, or by calling Bank of America directly.
- Wire transfers typically process within one business day, but the receiving bank may take longer to make the funds available.
- Bank of America charges a fee for outgoing domestic wire transfers, usually between $15 and $30 depending on how you send it.
Where to find your routing number
The easiest place to locate your routing number is on the bottom left corner of your checks. The first nine digits printed there are your routing number. If you don't have checks handy, log into your Bank of America online banking account and look under account details or account information — the routing number is listed there.
You can also call Bank of America's customer service line at 1-800-432-1000 and ask for your routing number. A representative can confirm it over the phone in less than a minute. Some people also visit their local Bank of America branch in person and ask a teller, though calling or checking online is faster.
What information you need to send a wire transfer
Beyond the routing number, you'll need several pieces of information before you can send money. You need the recipient's full name, their account number, and the name and routing number of their bank. If the recipient's bank is outside the United States, you'll also need their SWIFT code or IBAN (International Bank Account Number), depending on the country.
You should also know how much you're sending and have a reason for the transfer ready — Bank of America may ask what the money is for. Double-check all the details before you submit, because wire transfers cannot be reversed once they leave your account. A single wrong digit in an account number can send your money to a stranger's account.
How to send a wire transfer from Bank of America
You have three main ways to send a wire transfer: online through your Bank of America account, by phone, or in person at a branch. Online is the fastest and cheapest option. Log into your account, find the wire transfer section (usually under "Transfers"), enter the recipient's information and the amount, and confirm the transaction.
If you prefer to call, dial 1-800-432-1000 and tell the representative you want to send a wire transfer. They'll walk you through the information they need and process it over the phone. Sending a wire in person at a branch takes longer because you may have to wait, but some people prefer it for large amounts or if they have questions.
Wire transfer fees and timing
Bank of America charges a fee for outgoing wire transfers. Domestic wires (money staying within the United States) typically cost between $15 and $30, depending on whether you send online or by phone. International wires cost more — usually $45 or higher. These fees are deducted from your account when you send the transfer.
Domestic wire transfers usually leave your Bank of America account within one business day, often the same day if you send before the cutoff time (usually 2 p.m. or 3 p.m.). However, the receiving bank controls how fast the money appears in the recipient's account. Some banks make it available immediately; others hold it for one or two business days. The recipient should check with their bank about their specific timing.
Difference between routing number and account number
Your routing number and account number are two different things, and you need both for a wire transfer. The routing number (021000021 for Bank of America in New York) identifies your bank. Your account number identifies your specific account within that bank. Your account number is usually 10 digits and appears on your checks, statements, and in your online banking portal.
When you send a wire transfer, you provide your routing number so the receiving bank knows where the money is coming from. You provide your account number so Bank of America knows which of your accounts to pull the money from. The recipient provides their routing number and account number so the money goes to the right place on their end.
What to do if your wire transfer doesn't arrive
If the recipient says they haven't received the money after two business days, contact Bank of America immediately. Have your confirmation number ready — you should have received one when you sent the transfer. Bank of America can trace the wire and find out where it is in the system.
If the money was sent to the wrong account because of an error in the recipient's information, 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. This is why checking all details before you send is so important. If you sent the money to the correct account and it's been more than three business days, the receiving bank may be holding it for review — the recipient should contact their bank directly.
Frequently Asked Questions
Is 021000021 the routing number for all Bank of America branches?
Yes, 021000021 is the routing number for all Bank of America locations in New York State. Bank of America uses one routing number per state, not separate numbers for each branch. If you're sending money to or from any Bank of America account in New York, this is the number you use.
Can I send a wire transfer on a weekend or holiday?
You can initiate a wire transfer online on weekends and holidays, but it won't actually process until the next business day. If you send by phone or in person, you can only do so during business hours. Bank of America's wire cutoff time is typically 2 p.m. or 3 p.m. on business days — send after that and it processes the next day.
What's the maximum amount I can wire transfer?
Bank of America doesn't publish a single maximum wire transfer amount. Limits depend on your account type, your history with the bank, and whether you're sending domestically or internationally. Call 1-800-432-1000 or log into your online account to see your specific limit, or ask a teller at your branch.
Do I need to tell Bank of America before I send a large wire transfer?
You don't have to, but it's a good idea for very large amounts. Some banks flag unusually large transfers as potential fraud and may delay them while they verify. Calling ahead and letting Bank of America know you're sending a large wire can prevent unnecessary holds.
Can I cancel a wire transfer after I send it?
Once a wire transfer leaves Bank of America, you cannot cancel it. If you realize you made a mistake immediately after sending, call 1-800-432-1000 right away — there's a small window before the transfer fully processes. After that, the money is gone and recovery depends on whether the receiving bank will cooperate.