Your routing number is a nine-digit code that tells other banks which Bank of America branch handles your account
Bank of America uses different routing numbers depending on which state your account is based in. The routing number is not the same as your account number — it identifies the bank location, while your account number identifies you within that bank. You will need the routing number when you set up direct deposit, arrange wire transfers, or authorize automatic payments from your account.
The fastest way to find it is to look at the bottom left corner of any check you have from that account. The first nine digits printed there are your routing number. If you do not have checks or prefer not to use them, Bank of America provides the number through your online banking portal, by phone, or through their mobile app.
Key Takeaways
- Your routing number appears as the first nine digits on the bottom left of any Bank of America check.
- Bank of America routing numbers vary by state, so you need the one for the state where your branch is located.
- You can find your routing number by logging into your Bank of America online account or calling customer service at 1-800-432-1000.
- The routing number is different from your account number and is needed for direct deposit, wire transfers, and automatic bill payments.
Finding your routing number through your checks
If you have a checkbook, the routing number is printed at the bottom of every check in a specific order. Look at the bottom left corner — you will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number.
This method works because Bank of America prints the routing number on every check they issue. The number stays the same for all checks from the same account, so you only need to look at one check. If your checks are old or from a different account, the routing number may be different, so check that the account number (the middle group of digits) matches your current account.
Finding your routing number online or through the app
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, go to the account details or account information section — this is usually found under "Account Services" or by tapping the account name at the top of the app. The routing number will be listed alongside your account number.
The exact location varies slightly between the website and the app, but both show the routing number in the same account information area where you would find your account number. You do not need to request anything or wait for a response — the number appears when ready once you log in.
Calling Bank of America customer service
You can reach Bank of America customer service at 1-800-432-1000. Have your account number ready when you call. Tell the representative you need your routing number, and they will provide it over the phone. The call typically takes less than five minutes.
This method is useful if you do not have online access or prefer to speak with someone directly. The representative can also confirm that you are using the correct routing number for the type of transaction you are planning, since some transactions have specific requirements.
Understanding why routing numbers differ by state
Bank of America operates in multiple states, and each state has its own routing number. The routing number corresponds to the state where your account was opened or where your primary branch is located. If you moved and changed your branch location, your routing number might change, though this is not automatic — you would need to update your account information with Bank of America.
When you provide your routing number to an employer for direct deposit or to another bank for a transfer, make sure you are using the routing number for the correct state. Using the wrong state's routing number can delay or prevent the transaction from going through. If you are unsure which state your account is tied to, the customer service line can confirm this for you.
What to do if you cannot find your routing number
If you have looked at your checks, checked your online account, and still cannot locate the number, call Bank of America at 1-800-432-1000. Have your account number and a form of identification ready. The representative will pull up your account and provide the routing number when ready.
You can also visit a Bank of America branch in person with your ID and ask a teller for your routing number. This is a standard request and takes only a moment. Some branches can print it on a slip of paper for you to take with you.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies Bank of America and the specific branch or state where your account is held. Your account number identifies your individual account within the bank. Both appear on your checks, but in different positions — the routing number is the first nine digits on the bottom left.
Do I need a different routing number for checking and savings accounts?
No. Both your checking and savings accounts at Bank of America use the same routing number if they are held at the same branch location. The account number is what distinguishes between them.
What if I have multiple Bank of America accounts in different states?
Each account may have a different routing number depending on which state or branch it is associated with. Check the bottom of checks from each account, or log into each account separately online to confirm the correct routing number for each one.
Can I use an old routing number if Bank of America closed my branch?
Bank of America may update your routing number if your branch closes or consolidates. Check your current checks or log into your account online to confirm you have the current routing number. If you are unsure, call customer service to verify.
Why do I need my routing number for direct deposit?
Your employer needs both your routing number and account number to deposit your paycheck into the correct bank and account. The routing number tells their system which bank to send the money to, and the account number tells Bank of America which account within that bank should receive it.