Your routing number is on the bottom left of your checks
The easiest place to find your Bank of America routing number is the bottom left corner of any check you have. It is a nine-digit number that comes before your account number. If you do not have checks in front of you, there are several other quick ways to find it.
Bank of America uses different routing numbers depending on which state your account is based in. The routing number tells other banks and payment systems where to send money that is coming to you. When you set up direct deposit at work, transfer money between banks, or arrange automatic bill payments, you will need this number.
Key Takeaways
- Your routing number appears on the bottom left of any Bank of America check, before your account number.
- Bank of America routing numbers vary by state, so you need the one for the state where your account is registered.
- 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 — you may need both for transfers and direct deposit setup.
Finding it through your online Bank of America account
Log into your Bank of America account on their website or mobile app. Go to the account details or account information section — this is usually under a menu labeled "Account" or "Settings." The routing number will be listed there along with your account number.
This method works whether you have checks or not, and it takes less than a minute. You can screenshot or write down the number while you are logged in. If you forget your login information, you can reset it on the Bank of America homepage before you log in.
Calling Bank of America customer service
Call Bank of America at 1-800-432-1000 and tell the representative you need your routing number. They will ask you to verify your identity — usually by providing your account number, Social Security number, or answers to security questions you set up when you opened the account. Once verified, they will give you the routing number right away.
This is the fastest option if you do not have online access or do not remember your login. Customer service is available 24 hours a day. Have your account number or Social Security number ready before you call to speed up the process.
Using Bank of America's routing number lookup tool
Bank of America has a routing number search tool on their website. Go to bankofamerica.com, look for a "Routing Number" or "Customer Service" link, and you should find a search box where you can enter your state. The tool will show you the routing number for accounts registered in that state.
This method does not require you to log in, but it only works if you know which state your account is based in. If you opened your account in one state and moved to another, use the state where you originally opened the account.
Why routing numbers differ by state
Bank of America operates regional processing centers in different states, and each center has its own routing number. Your account is assigned to one of these centers based on the state where you opened it. This is why you cannot use a routing number from a different state — the payment system will not recognize it.
If you are unsure which state your account is tied to, check your account opening documents or call customer service. They can tell you when ready which routing number you need.
The difference between routing number and account number
Your routing number identifies Bank of America and the specific processing center handling your account. Your account number identifies your individual account within that bank. You need both pieces of information for direct deposit, wire transfers, and automatic bill payments.
The routing number is always nine digits. Your account number is longer — usually 10 to 12 digits — and also appears on the bottom of your checks, to the right of the routing number. When someone asks for your "banking information," they usually mean both numbers.
What to do if you cannot find your routing number
If you have tried the methods above and still cannot locate it, call Bank of America customer service at 1-800-432-1000. They can provide your routing number and confirm it is correct for the type of transaction you are planning. You can also visit a Bank of America branch in person with your ID, and a teller will write it down for you.
Do not guess or use a routing number you find online without confirming it with the bank first. Using the wrong routing number can delay payments or cause them to go to the wrong place, which may take days to correct.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts?
No. Bank of America uses different routing numbers by state. If you have multiple accounts in the same state, they share the same routing number. If you have accounts in different states, each uses the routing number for that state.
Can I use someone else's Bank of America routing number if they are in my state?
Yes, if you both have accounts in the same state, you will have the same routing number. However, you still need your own account number for any transaction. Never share your account number with anyone you do not trust.
What happens if I use the wrong routing number?
The payment may be rejected or delayed while the banking system tries to figure out where it should go. In some cases it may go to the wrong bank entirely. Always confirm your routing number with Bank of America before setting up direct deposit or automatic payments.
Do I need my routing number to transfer money between my own Bank of America accounts?
No. If you are moving money between two accounts you own at the same bank, you can do it through your online account or mobile app without needing the routing number. You only need it for transfers to other banks or for direct deposit from employers.