Your routing number is on the bottom left of your checks, or you can find it online in seconds
Bank of America's routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit. The fastest way to find it is to look at the bottom left corner of any check you have — the first set of numbers printed there is your routing number. If you don't have checks handy, you can find it through your online banking account, by calling Bank of America, or by looking it up on the bank's website using your state.
The routing number matters because it's part of the address system for electronic payments. When your employer sends a direct deposit, when you set up a bill payment, or when someone transfers you money, they need both your account number and your routing number to get the funds to the right place. Bank of America has multiple routing numbers depending on which state your account is based in, so you need the one that matches your specific branch location.
Key Takeaways
- Your routing number appears as the first nine digits on the bottom left of any Bank of America check.
- Bank of America has different routing numbers for different states, so you must use the one for the state where your account is held.
- You can find your routing number by logging into your Bank of America online account under account details or by calling 1-800-432-1000.
- The routing number is required for direct deposits, wire transfers, and bill payments, but it is not secret — it is printed on every check you write.
Finding your routing number on a check
The easiest method is to look at a check. At the bottom of the check, you will see three groups of numbers separated by vertical lines. The first group of nine digits is your routing number. This number identifies Bank of America and the specific processing center that handles your account based on your state.
The second group of numbers is your account number, and the third group is the check number. The routing number is always nine digits long and always appears in that first position on the left side of the bottom line.
Looking it up in your online banking account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you're signed in, go to the account details or account information section — the exact location varies slightly depending on whether you're using the website or the app, but it's typically labeled "Account Details" or "Account Information."
Your routing number will be listed there alongside your account number. This method works even if you don't have checks, and it takes less than a minute. The routing number shown will be the correct one for your account's home state.
Calling Bank of America directly
You can call Bank of America's customer service line at 1-800-432-1000 and ask for your routing number. Have your account number or Social Security number ready so they can pull up your account. A representative will give you the routing number over the phone, and you can write it down when ready.
This method is useful if you need the information right away and don't have online access, though it requires waiting on hold during business hours.
Using Bank of America's routing number lookup tool
Bank of America maintains a routing number finder on its website. Go to bankofamerica.com, search for "routing number," and you'll find a tool that lets you select your state. The tool will display the routing number for Bank of America accounts in that state.
This works if you know which state your account is based in but don't have a check or online access. The lookup is public information — routing numbers are not confidential.
Understanding why Bank of America has multiple routing numbers
Bank of America operates processing centers in different regions, and each one has its own routing number. Your account is assigned to one of these centers based on the state where you opened the account or where your branch is located. This is standard across all large banks — the routing number directs the payment to the right processing center, which then routes it to your specific account.
If you move to a different state, your routing number typically stays the same because it's tied to where the account was originally opened, not where you currently live. However, if you open a new account in a different state, that new account may have a different routing number.
What to do if you can't find your routing number
If you've tried the methods above and still can't locate it, call 1-800-432-1000 during business hours. Bank of America's customer service can provide your routing number in minutes. You can also visit a Bank of America branch in person with your ID and ask a teller — they can write it down for you on the spot.
If you're setting up a direct deposit or transfer and need the routing number when ready, the phone call is usually the fastest option because you get the answer without waiting for mail or a check to arrive.
Frequently Asked Questions
Is my Bank of America routing number the same as every other Bank of America customer's?
No. While Bank of America customers in the same state share the same routing number, customers in different states have different routing numbers. Your routing number depends on the state where your account is based, not on your personal information.
Can I use someone else's Bank of America routing number if we're in the same state?
Yes, if you're both Bank of America customers in the same state, you share the same routing number. The routing number identifies the bank and processing center, not the individual account. Your account number is what makes the payment go to the right person.
Do I need my routing number to send money to someone else?
No. You need the other person's routing number and account number to send them money. Your own routing number is only needed when someone else is sending money to you or when you're setting up automatic payments from your account.
What if I have multiple Bank of America accounts?
All your Bank of America accounts in the same state share the same routing number. The routing number identifies the bank and state, while your account number identifies which specific account receives the money.
Is it safe to give out my routing number?
Yes. Your routing number is printed on every check you write and is public information. It's needed for legitimate transactions like direct deposits and bill payments. However, never give out your account number or the full account number and routing number combination to anyone you don't trust.