Your routing number is a nine-digit code that tells the banking system which Bank of America branch or processing center should handle your transaction
Bank of America routing numbers are not one-size-fits-all. The number you need depends on the state where your account was opened and the type of transaction you are making. For most electronic transfers into your account, you will use 021000021. For wire transfers out of your account, you may need a different routing number based on your account location. The routing number is distinct from your account number — it identifies the bank, while your account number identifies you within that bank.
You need this number when setting up direct deposit, arranging automatic bill payments, or sending money between banks. The routing number is public information; sharing it does not put your account at risk the way sharing your account number or PIN would.
Key Takeaways
- Bank of America's primary routing number for most electronic deposits and transfers is 021000021, but wire transfers may require a different number based on your state.
- Your routing number is different from your account number — the routing number identifies the bank, and your account number identifies your specific account.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Routing numbers are public information and safe to share for legitimate transactions like direct deposit or bill payments.
Where to find your Bank of America routing number
The easiest place to look is the bottom left corner of any check you have. The first nine digits printed there are your routing number. If you do not have checks on hand, log into your Bank of America online account or mobile app, go to your account details, and look for the routing number listed there — most accounts show it alongside the account number.
You can also call Bank of America customer service at 1-800-432-1000 and ask them to confirm your routing number. Have your account number ready. If you need a routing number for a wire transfer specifically, tell the representative that, because wire routing numbers can differ from standard ACH routing numbers depending on your account location.
The difference between routing numbers and account numbers
A routing number identifies the financial institution and the specific branch or processing center. A account number identifies your individual account within that institution. Together they form the complete address for your money. Think of the routing number as the bank's address and the account number as your mailbox number inside that building.
When you set up direct deposit at work, you provide both numbers. Your employer uses the routing number to send the payment to Bank of America, and the account number to deposit it into your specific account. If you give only one, the transaction will not go through.
When you need different routing numbers
Most of the time, 021000021 works for ACH transfers — the electronic system used for direct deposits, bill payments, and transfers between banks. However, if you are sending a wire transfer (a faster, more expensive way to move money), Bank of America may direct you to use a different routing number based on the state where your account is held. Wire routing numbers are specific to the location of the account, not the location where you are sending the money from.
Before you initiate a wire transfer, ask Bank of America which routing number to use. Using the wrong one can delay the transfer or cause it to be rejected and returned to you.
What happens if you use the wrong routing number
If you use an incorrect routing number for a direct deposit or bill payment, the transaction will typically be rejected and returned to the sender. Your employer or the company sending the payment will be notified, and they can resubmit with the correct number. This usually adds a few days to the process but does not result in lost money.
For wire transfers, a wrong routing number is more serious. The money may be sent to a different bank or branch, and recovering it can take weeks. Always confirm the routing number with Bank of America before initiating a wire transfer, especially if you are sending a large amount.
Routing numbers and account security
Your routing number is safe to share. It is printed on every check you write and is public information. Scammers cannot access your account with only the routing number — they would also need your account number, and even then, most transactions require additional verification like a password or security code.
Your account number and PIN, by contrast, should never be shared with anyone except Bank of America representatives you contact directly. If someone asks for your full account number or PIN over the phone or email, hang up or delete the message. Bank of America will never ask for this information unsolicited.
Frequently Asked Questions
Is the routing number the same for all Bank of America accounts?
For most ACH transactions like direct deposit, yes — 021000021 works regardless of which state your account is in. Wire transfers may use a different routing number based on your account location. Call Bank of America to confirm which number you need for your specific transaction type.
Can I find my routing number online without logging in?
Yes. Bank of America publishes routing numbers by state on its website. You can search for your state to find the routing number for your account type. However, the fastest way is to check a check you have or log into your account directly.
What if I do not have checks?
Log into your Bank of America online account or mobile app and look for account details or account information. The routing number is usually displayed there. If you cannot find it, call 1-800-432-1000 and a representative will provide it.
Do I need a different routing number for savings versus checking?
No. Bank of America uses the same routing number for both checking and savings accounts. The account number is what distinguishes between them.
Can someone steal money using just my routing number?
No. A routing number alone cannot be used to access or withdraw from your account. Someone would need your account number as well, plus additional security verification. Routing numbers are meant to be shared for legitimate transactions.