Your routing number is on your checks, online, or by phone

Your routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit. Bank of America's routing number depends on which state your account is based in — there is no single number for the whole bank. The fastest way to find it is to look at the bottom left of any check you have, call Bank of America directly, or log into your online account.

You will need this number when you set up direct deposit for paychecks, arrange automatic bill payments, or receive money from another bank. Having it on hand takes a few minutes and saves you from delays later.

Key Takeaways

  • Bank of America routing numbers vary by state, so you need the one for the state where your account is registered, not where you live now.
  • The easiest source is the bottom left corner of any check — the first nine digits are your routing number.
  • If you do not have checks, log into your Bank of America online account or mobile app and look under account details.
  • You can also call Bank of America at 1-800-432-1000 and ask for your routing number by account type and state.

Check the bottom left of your checks

Open your checkbook and look at the bottom left corner of any check. You will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number. The second group is your account number, and the third is the check number itself.

This is the fastest method if you have checks on hand. The routing number printed there matches your account's state and branch, so it is always correct for your specific account.

Log into your Bank of America account online or on mobile

Go to bankofamerica.com or open the Bank of America mobile app and sign in with your username and password. Once you are logged in, navigate to the account you need the routing number for and look for a section labeled "Account Details," "Account Information," or "Routing Number."

The routing number will be displayed there alongside your account number. This method works even if you have not ordered checks yet or if your checks are at home and you need the number right now. The information updates in real time, so what you see is always current.

Call Bank of America customer service

Dial 1-800-432-1000 and tell the representative which account type you have (checking, savings, or money market) and the state where your account is registered. They will give you the correct routing number over the phone. This call is free and typically takes less than five minutes.

Have your account number or Social Security number ready so the representative can pull up your account quickly. If you are calling from outside the United States, use the international number listed on the back of your Bank of America debit card.

Why routing numbers differ by state

Bank of America operates in multiple states, and each state's accounts are routed through different processing centers. A checking account registered in California has a different routing number than one registered in Texas, even though both are Bank of America accounts. The routing number tells the Federal Reserve and other banks which processing center to send the transfer to.

If you have moved since opening your account, use the routing number for the state where you originally opened it, not your current state. If you have transferred your account to a new state, contact Bank of America to confirm which routing number applies to your account now.

What to do if you cannot find your routing number

If you do not have checks, cannot access your online account, and prefer not to call, you can visit a Bank of America branch in person with your ID and ask a teller for your routing number. They can print it for you on the spot. Some branches will also email it to you if you ask.

Another option is to search the Federal Reserve's routing number database at frbservices.org. Enter "Bank of America" and your state, and you will see a list of routing numbers for that state. Match the one that corresponds to your account type (checking, savings, or money market).

Frequently Asked Questions

Is my routing number the same as my account number?

No. Your routing number identifies your bank and the processing center for your account. Your account number identifies your specific account within that bank. Both appear on your checks — the routing number is the first nine digits on the bottom left, and your account number comes after it.

Do I need a different routing number for wire transfers?

Bank of America uses the same routing number for wire transfers, direct deposits, and ACH transfers. You do not need to look up a separate number. The nine-digit routing number on your check works for all of these.

What if I moved to a different state after opening my account?

Continue using the routing number for the state where you originally opened your account. Bank of America does not change your routing number when you move. If you want to confirm this is still correct, call 1-800-432-1000 or check your online account.

Can I find my routing number on my debit card?

No. Your debit card shows your card number and expiration date, but not your routing number. You will need to check a check, your online account, or call the bank to find it.