Your routing number is in multiple places, and the fastest is online
Your Bank of America routing number is a nine-digit code that tells other banks and payment processors which Bank of America location handles your account. You can find it in your checkbook, on the Bank of America website, through the mobile app, or by calling customer service. The online method takes two minutes and requires no phone call.
Bank of America uses different routing numbers depending on which state your account is based in. If you opened your account in California, your routing number differs from someone who opened theirs in New York. This matters because the routing number must match your account location, not your current location. If you have moved since opening your account, use the routing number for the state where you originally opened it.
Key Takeaways
- Your Bank of America routing number appears in the lower left corner of your checks, as the first nine digits before your account number.
- You can view your routing number by logging into your Bank of America account online or through the mobile app under account details or settings.
- Bank of America routing numbers vary by state, so the number for a California account differs from a Texas account.
- If you do not have checks or online access, calling Bank of America customer service at 1-800-432-1000 will provide your routing number in under a minute.
Finding your routing number on a check
If you have a Bank of America checkbook, your routing number is printed on every check. Look at the bottom left corner of the check. You will see three sets of numbers separated by vertical lines. The first set of nine digits is your routing number. The second set is your account number, and the third is the check number.
The routing number is always in the same position on every check from your account, so you only need to look at one. If your checks are old or faded, the numbers may be hard to read, but they should still be visible. If you cannot read them clearly, move to one of the other methods instead of guessing.
Looking it up on the Bank of America website or app
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, navigate to your account details or settings. The exact location varies slightly depending on whether you use the website or app, but both show your routing number in the account information section.
On the website, go to the account you need the routing number for, then look for a link labeled "Account Details" or "Routing Number." On the mobile app, tap the account, then select the menu icon (three horizontal lines) and look for "Account Details" or "Routing and Account Number." The routing number will display alongside your account number. You can screenshot this for your records or write it down.
Calling Bank of America customer service
If you do not have checks or online access, call Bank of America customer service at 1-800-432-1000. Have your account number ready, though the representative may ask for other verification information like your Social Security number or the last four digits of the phone number on file. The call usually takes under five minutes.
Customer service is available 24 hours a day, seven days a week. If you are calling from outside the United States, use the international number on the back of your debit card or check. The representative will confirm your routing number and can also tell you which state your account is based in if you are unsure.
Understanding why routing numbers vary by state
Bank of America operates regional processing centers in different states. When you open an account, it is assigned to the processing center in the state where you opened it. That state determines your routing number permanently, even if you move to another state later.
This is why you cannot straightforward use any Bank of America routing number you find online. A routing number for a Florida account will not work for a California account, even though both are Bank of America. The routing number must match the state where your account was originally opened. If you are unsure which state that was, the customer service line or your account details page will tell you.
When you need your routing number and what to do with it
You need your routing number when setting up direct deposit, arranging automatic bill payments, or receiving a wire transfer. You will also need it if you are moving money between banks or if someone outside Bank of America is sending you money. The routing number tells their bank where to send the funds.
Keep your routing number in a safe place where you can find it quickly. Many people write it down and store it with their important financial documents. You can also take a photo of a check or save a screenshot from your online account. Unlike your account number or PIN, your routing number is not sensitive information — it is safe to share with employers, payroll services, or anyone who needs to send you money.
Frequently Asked Questions
Do all Bank of America accounts use the same routing number?
No. Bank of America routing numbers are based on the state where you opened your account. A checking account opened in Texas has a different routing number than a savings account opened in Florida, even if both are held by the same person at Bank of America.
What if I moved to a different state after opening my account?
Your routing number does not change. It remains tied to the state where you originally opened the account. You continue using the same routing number even if you now live in a different state.
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, log into your account online, or call customer service to find your routing number.
Is my routing number the same for checking and savings accounts?
If both accounts are based in the same state, yes. The routing number is tied to your account location, not the account type. If you have a checking account and a savings account both opened in the same state, they share the same routing number.
What should I do if I cannot find my routing number?
Call Bank of America customer service at 1-800-432-1000. Have your account number ready, and they will provide your routing number within a few minutes. This is the fastest option if you do not have checks or online access.