Bank of America's ABA number is 011000015, but you may need a different one depending on your state and account type
Bank of America operates multiple routing numbers across the United States because the banking system routes money through regional processing centers. The number 011000015 is the most commonly used ABA (American Banker Association) routing number for Bank of America accounts, but it does not work for every transaction or every account holder. Some Bank of America customers in specific states or with certain account types will need a different routing number to send or receive money correctly.
An ABA routing number is a nine-digit code that tells the banking system which bank and which branch location should receive a wire transfer or ACH payment (automatic clearing house — the system used for direct deposits and bill payments). Without the correct routing number, money can be delayed, sent to the wrong account, or rejected entirely. If you give someone the wrong number, the transaction may fail or take weeks to trace and correct.
Key Takeaways
- Bank of America's primary ABA routing number is 011000015, but state-specific and account-type-specific numbers exist and may be required for certain transactions.
- You can find your correct routing number by logging into your Bank of America online account, calling customer service at 1-800-432-1000, or checking a blank check from your account.
- Wire transfers, ACH payments, and direct deposits all require the correct routing number or the transaction will fail or be delayed.
- If you use the wrong routing number, contact Bank of America when ready — the money may be recoverable, but the longer you wait the harder it becomes to trace.
Where to find your Bank of America routing number
The easiest way to find your routing number is to look at the bottom left corner of a blank check from your account. The first nine digits are your routing number. If you do not have checks, log into your Bank of America online account or mobile app, go to Account Details, and select the account you need. The routing number will be listed there.
You can also call Bank of America customer service at 1-800-432-1000 and ask for your routing number. Have your account number ready. The representative will confirm your routing number over the phone and can tell you if you need a different one for a specific type of transaction.
When you need a different routing number than 011000015
Some Bank of America customers need a different routing number depending on where they live or what type of account they have. If you are setting up a direct deposit from an employer, a government benefit (Social Security, unemployment, tax refund), or another financial institution, ask the sending organization whether they have a list of Bank of America routing numbers. They may require a state-specific number.
International wire transfers also use a different code system — you will need your SWIFT code (BOFAUS3N for most Bank of America accounts) rather than your ABA routing number. If you are sending money to or from outside the United States, ask Bank of America which code applies to your transaction.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transaction will either fail when ready or be sent to the wrong bank. In some cases, the money sits in a holding account for days or weeks while the banking system tries to figure out where it belongs. If the receiving bank rejects it, it bounces back to the sender — but this can take 5 to 10 business days.
If you realize you used the wrong routing number, contact Bank of America right away. The sooner you report it, the better your chances of stopping the transaction or tracing it. Do not wait — the longer the money sits in the system, the harder it is to recover. Bank of America can file a trace request, but this process takes time and is not always successful if the money has already been accepted by another institution.
ABA routing numbers versus other bank codes
An ABA routing number is used only for domestic transfers within the United States. If you are sending money internationally, you will need a SWIFT code instead. If you are receiving a wire transfer from outside the US, you may also need your IBAN (International Bank Account Number), though this is less common for US banks.
For ACH payments and direct deposits within the US, always use your ABA routing number. For wire transfers within the US, use your ABA routing number. For anything crossing a border, ask Bank of America which code you need — they will not charge you to provide this information.
Protecting your routing number
Your routing number is not secret information — it appears on every check you write and is public knowledge. However, you should never share your full account number along with your routing number unless you trust the person or organization requesting it. A routing number alone cannot be used to withdraw money from your account, but a routing number plus an account number can be used to set up unauthorized ACH payments.
If you are paying a bill or setting up a direct deposit, provide only what is asked for. If someone requests both your routing number and account number but you did not initiate the request, verify their identity before providing anything. Call Bank of America directly using the number on the back of your card — do not use a phone number from an email or text message.
Frequently Asked Questions
Is 011000015 the routing number for all Bank of America accounts?
It is the primary routing number for most Bank of America accounts, but some customers need a state-specific or account-type-specific number. The best way to confirm is to check your account online, look at a check, or call 1-800-432-1000. Do not assume — using the wrong number will cause your transaction to fail.
Can I use the same routing number for wire transfers and direct deposits?
Usually yes, but not always. Some employers and government agencies have their own list of accepted Bank of America routing numbers. Before you set up a direct deposit, ask the sending organization if they have routing number requirements. If they give you a specific number, use that one instead of 011000015.
What do I do if money was sent to the wrong routing number?
Contact Bank of America when ready at 1-800-432-1000 and explain what happened. Provide the routing number you used, the amount, and the date. Bank of America can file a trace request, but the sooner you report it the better. If the money was accepted by another bank, recovery becomes much harder and may not be possible.
Do I need a different routing number for my savings account versus my checking account?
No. Bank of America uses the same routing number for all account types at the same branch. The routing number identifies the bank and location, not the specific account. Your account number is what distinguishes between your checking and savings accounts.
What is the difference between a routing number and a SWIFT code?
A routing number (ABA) is used for domestic US transfers only. A SWIFT code is used for international transfers. Bank of America's SWIFT code is BOFAUS3N. If you are sending money outside the US, use the SWIFT code. If you are sending money within the US, use the routing number.