Bank of America routing numbers depend on which state you bank in and what type of account you hold
Bank of America uses different routing numbers for different regions and account types. The routing number you need is determined by the state where your account was opened, not where you live now or where you're sending money. If you're setting up a direct deposit, wire transfer, or automatic payment, you'll need the correct routing number for your specific account.
The most commonly used Bank of America routing number is 026009593, which covers many states including California, Nevada, and Utah. However, Bank of America maintains separate routing numbers for the East Coast, Midwest, and other regions. Using the wrong routing number can delay your transaction by several days or cause it to fail entirely.
Key Takeaways
- Bank of America routing numbers are assigned by the state where your account was opened, and using the wrong one delays transfers or causes them to fail.
- The routing number 026009593 works for accounts opened in California, Nevada, Utah, and several other Western states.
- You can find your specific routing number by checking a check from your account, logging into your Bank of America online account, or calling customer service.
- Wire transfers, direct deposits, and ACH payments all require the correct routing number to reach your account on time.
How to find your routing number on a check
The easiest way to locate your routing number is to look at a check from your Bank of America account. The routing number appears as a nine-digit code in the bottom left corner of the check, before your account number. This is the routing number assigned to your specific account based on where you opened it.
If you don't have a check available, you can find the routing number through your online banking portal. Log into your Bank of America account, go to the account details or settings section, and look for routing information. You can also call Bank of America customer service at 1-800-432-1000 and provide your account number to have them confirm your routing number over the phone.
Routing numbers by region
Bank of America assigns routing numbers based on geographic regions rather than individual branches. The main routing numbers are:
| Routing Number | States Covered |
|---|---|
| 026009593 | California, Nevada, Utah, Arizona, Colorado, Wyoming, New Mexico, Idaho, Oregon, Washington |
| 071000013 | Texas, Oklahoma, Kansas, Nebraska, South Dakota, North Dakota, Minnesota, Iowa, Missouri, Arkansas, Louisiana |
| 011000015 | Connecticut, Massachusetts, New Hampshire, Rhode Island, Vermont, Maine, New York, New Jersey, Pennsylvania, Delaware, Maryland, Virginia, West Virginia, North Carolina, South Carolina, Georgia, Florida, Alabama, Mississippi, Tennessee, Kentucky |
| 061000104 | Illinois, Indiana, Michigan, Ohio, Wisconsin, Minnesota (some accounts) |
These are the primary routing numbers, but Bank of America may use additional routing numbers for specific account types or older accounts. If you opened your account many years ago, your routing number might differ from the standard regional number. Always verify using your check or account details rather than assuming based on your state.
When you need a routing number and when you don't
You need a routing number when setting up direct deposit from an employer, receiving government payments like Social Security or tax refunds, or authorizing automatic bill payments from your account. You also need it for wire transfers, whether you're sending money out or receiving it from another bank.
You do not need a routing number for everyday debit card transactions, ATM withdrawals, or transfers between your own Bank of America accounts. You also don't need it when paying bills through the Bank of America website or mobile app using the payee's address instead of their bank details. The routing number is specifically for transactions that move money through the banking system between different financial institutions.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transaction may be rejected when ready, or it may be accepted and then returned to the sender after several days. Direct deposits with wrong routing numbers typically fail and bounce back to the employer's payroll system, delaying your paycheck by one to two pay periods while the correct information is resubmitted.
Wire transfers sent to the wrong routing number can be more complicated. The money may reach a different Bank of America account or a different bank entirely. If this happens, you'll need to contact Bank of America when ready with the transaction details so they can attempt to recover the funds. This process can take weeks and is not always successful, which is why verifying the routing number before sending a wire transfer is critical.
Routing numbers for Bank of America business accounts
Business accounts at Bank of America use the same routing numbers as personal accounts based on the state where the business account was opened. There is no separate routing number system for business versus personal accounts. However, some older business accounts or accounts opened through specific business banking programs may have different routing numbers, so checking your business checks or account details is still the safest approach.
If you manage multiple Bank of America business accounts in different states, each account will have its own routing number based on where that specific account was opened. Keep a record of each routing number if you handle transactions for multiple accounts.
International wire transfers and Bank of America routing numbers
For international wire transfers to a Bank of America account, you typically need both the routing number and the SWIFT code. Bank of America's SWIFT code is BOFAUS3N for most U.S. accounts. The routing number alone is not sufficient for international transfers because the SWIFT code tells the sending bank which country and which Bank of America office to route the money to.
If you're receiving an international wire transfer into your Bank of America account, provide the sender with both your routing number and the SWIFT code, along with your full account number and your name as it appears on the account. Some international banks may also ask for your bank's address; Bank of America's main address for wire purposes is available through their customer service line.
Frequently Asked Questions
Can I use any Bank of America routing number for my account?
No. You must use the routing number assigned to your specific account based on the state where you opened it. Using a different Bank of America routing number will cause the transaction to fail or be delayed. Always verify your routing number on a check or through your online account.
Does my routing number change if I move to a different state?
No. Your routing number is based on the state where your account was originally opened and does not change when you move. If you move and want a routing number for your new state, you would need to open a new account in that state.
What's the difference between a routing number and an account number?
A routing number identifies the bank and the region where your account was opened. Your account number identifies your specific account within that bank. Both are needed for most transfers. The routing number appears first on a check, followed by your account number.
Is the routing number the same for checks and electronic transfers?
Yes. The routing number on your checks is the same routing number you use for direct deposits, wire transfers, and ACH payments. You don't need different routing numbers for different types of transactions.
What should I do if a transaction failed because of a wrong routing number?
Contact the sender or your employer when ready with the correct routing number. For direct deposits, your employer's payroll department will resubmit with the correct information. For wire transfers, contact Bank of America customer service right away to report the error and attempt recovery.