Complete Guide to Bank of America Routing Numbers

One of the main reasons to have a bank account is to send and receive money easily and safely without handling large amounts of cash. Your Bank of America routing number is how other banks identify which bank your account is held at. You have a routing number to receive money transfers from other people. Read on to find out what your Bank of America routing number is.

Finding Your Bank of America Routing Number by State

Routing numbers for a particular bank vary by state. In other words, your Bank of America routing number will be different depending on which U.S. state your Bank of America branch is in. The list below gives various Bank of America routing numbers by state.

Please note that the routing numbers given above are ABA (American Bankers’ Association) routing numbers. They are for domestic money transfers (between U.S. bank accounts). 

If you are still unsure which Bank of America routing number is the right one for your branch, there are a few other ways to find out. These methods are explained in the section ‘How to Find Your BoA Routing Number.’

If you need to receive a wire transfer from a bank outside the United States, you will need to provide a routing number for international wire transfers.

Different Numbers for International Wire Transfers

International wire transfers are a bit more complicated behind the scenes than domestic money transfers. This is because banks in different countries use different interbank communication systems, and are subject to different laws. 

If you need to receive money from a bank account outside the U.S. (or a wire transfer from within the U.S.), you can use one of the routing numbers listed below:

• For domestic wire transfers: 26009593
• For international wire transfers in US dollars: BOFAUS3N
• For international wire transfers in another currency: BOFAUS6S

Please note that a wire transfer is different from a paper or electronic money transfer. If you need to receive a domestic wire transfer, the routing number is the same for all Bank of America customers. It doesn’t change depending on where your branch is.

The routing numbers for international wire transfers are also the same for all BoA customers. These routing numbers work on a different system than ABA routing numbers. They are sometimes called SWIFT/BIC codes.

If you are not sure which SWIFT code to use to receive your international wire transfer, it is usually safest to use the one for U.S. dollar wire transfers (BOFAUS3N). 

However, the best thing you can do if you are unsure about an international wire transfer is to contact Bank of America and ask. You can visit your local branch, use the online banking website or call the Checking and Savings helpline (instructions given below).

How To Find Your BoA Routing Number

Your BoA routing number is important whenever you need someone to send money to your BoA account. If you don’t already know it, there are several ways you can find out your routing number. 

On a Check

The easiest and simplest way to find out what your routing number is is to pull out your checkbook. Your routing number is printed on the bottom of every check. It is a 9-digit number (there are no letters). 

This 9-digit number on the bottom of your checks is your ABA routing number. If you need your international routing number (SWIFT code) or domestic wire transfer routing number, you need to use one of the other methods.

If you did not get a checkbook with your Bank of America account, then you will need to use one of the other methods detailed below.

Online

You can also use Bank of America’s online banking website to find out what your routing number is. Simply follow the instructions listed below:

1. Using a browser on your computer or smartphone, visit bankofamerica.com
2. Choose the account whose routing number you want to find 
3. Select the Information & Services tab 
4. There will be several routing numbers shown, choose the right one for your purpose

Your ABA routing number (for domestic money transfers) is the one which is labeled “paper and electronic transfers.” The other routing number is for wire transfers.

Over the Phone

Finally, you can call Bank of America’s Checking and Savings helpline to find out your routing number. Call 800-432-1000 for help in English or 800-688-6086 for help in Spanish during operating hours. The operating hours for the call center are:

Mon–Fri 8 a.m.-11 p.m. ET
Sat–Sun 8 a.m.-8 p.m. ET

Please note that you will need to provide your debit card number or bank account number to verify your account with the call center representative. 

Bank of America Routing Numbers FAQ

The questions below often come up when regarding Bank of America routing numbers.

What Is a Routing Number?

A routing number is used to identify a specific bank when money is being transferred from one bank account to another. There are different kinds of routing numbers for domestic and international transfers.

For money transfers within the U.S., an ABA routing transit number (ABA RTN) is used. An ABA routing number is a 9-digit number. It is usually written on the bottom of the checks issued for a bank account. 

The routing number allows any financial institution in the U.S. to find out which bank an account is held at, even if the check was issued by some other bank.

How Is Your Bank Routing Number Used?

The routing number allows banks in the U.S. to easily communicate information about people’s accounts. They can use this information to transfer money from one person to the other. You can use a routing number to get money if you’ve hit your Bank of America ATM withdrawal limit.

This is how you can pay someone or receive money from someone to your Bank of America account, even if that person has an account with a different bank. 

Your routing number is used to process direct deposits to your account, electronic and paper money transfers as well as domestic and international wire transfers.

Keep in mind your routing number no longer applies if you close Bank of America account.

Frequently Asked Questions (FAQ)

What is a Bank of America Routing Number?

A Bank of America routing number is a nine-digit code used to identify a financial institution in a transaction. It’s used for various types of financial transactions such as direct deposits, electronic payments, and wire transfers.

Why are routing numbers important for Bank of America customers?

Routing numbers are essential for Bank of America customers to ensure that the money is transferred to or withdrawn from the correct bank account. They are required for setting up direct deposit, automatic loan payments, and transferring money between accounts.

Does Bank of America have different routing numbers for different states?

Yes, Bank of America has different routing numbers for different states and sometimes for different types of transactions. It’s important to use the correct routing number for the state where you opened your account.

How can I find my Bank of America routing number?

You can find your Bank of America routing number by:

1. Checking your bank statement.
2. Logging into your online banking account.
3. Contacting Bank of America customer service.
4. Looking at the bottom left corner of your checks.

Are routing numbers the same for checking and savings accounts?

Yes, routing numbers are typically the same for both checking and savings accounts at the same bank in the same state.

Do Bank of America routing numbers change?

Routing numbers for Bank of America rarely change. They might change if the bank undergoes a merger or reorganization. Bank of America will notify you if your routing number changes.

What is the Bank of America routing number for wire transfers?

For domestic wire transfers, Bank of America uses a different routing number: 026009593. For international wire transfers, the SWIFT code is BOFAUS3N.

Can I use the same routing number for ACH and wire transfers?

No, Bank of America uses different routing numbers for ACH transfers and wire transfers. It’s important to use the correct number for the type of transfer you are making.

What happens if I use the wrong Bank of America routing number?

Using the wrong routing number can result in delayed or returned payments. In some cases, it may cause the money to be transferred to the wrong account.

Are Bank of America routing numbers the same for all branches?

Routing numbers may vary between states, but they are typically the same for all branches within the same state. However, this can differ for electronic and wire transfers.

Final Thoughts

Your Bank of America routing number is used when people are sending money to your account. The ABA routing number is different depending on which state your bank is in. You need a BoA SWIFT code if the person sending you money is not in the United States. There are several ways you can find your BoA routing number. You can use online banking or you can call the bank and ask. The checkbook issued for your account also has your routing number printed on every check.

Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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