Your Bank of America transit number is a nine-digit code that identifies the specific branch where your account is held

The transit number — also called a routing number or ABA number — tells other banks and financial institutions which Bank of America location processes transactions for your account. When you send money through wire transfer, set up direct deposit, or arrange an automatic payment, the receiving or sending institution uses this number to route your money to the correct place.

Bank of America uses different transit numbers depending on which state your account branch is in. This means your transit number is tied to your branch location, not to you personally. If you move and change branches, your transit number may change.

Key Takeaways

  • Your Bank of America transit number is a nine-digit code specific to your branch location, not your individual account.
  • You can find your transit number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
  • The transit number is required for wire transfers, direct deposit setup, and automatic bill payments.
  • Different Bank of America branches in different states have different transit numbers, so verify you have the correct one for your branch.

Where to find your transit number

The easiest place to locate your transit number is on a check from your account. Look at the bottom left corner of the check — you will see a series of numbers. The first nine digits are your transit number. The next set of numbers is your account number.

If you do not have checks available, log into your Bank of America online banking account or mobile app. Go to your account details or account information section — the exact location varies slightly between the website and app, but it is usually under "Account Details" or "Manage Account." Your routing number will be listed there.

You can also call Bank of America directly at 1-800-432-1000 and speak with a representative who can confirm your transit number over the phone. Have your account number ready when you call.

Why you need it for different transactions

When you set up direct deposit with an employer or government agency, you provide your transit number along with your account number so the deposit goes to the correct Bank of America branch and then to your specific account. Without the correct transit number, the deposit may be delayed or sent to the wrong place.

For wire transfers — whether you are sending money out or receiving it — both banks need the correct transit number to process the transaction. The sending bank uses it to know where to route the money, and the receiving bank uses it to confirm the destination.

Automatic bill payments and recurring transfers also require your transit number. When you set up a payment to a utility company, credit card, or loan servicer, that company uses your transit number to debit your Bank of America account on the scheduled date.

Transit number versus account number

These two numbers work together but serve different purposes. Your transit number identifies your branch — it is the same for everyone who banks at that specific Bank of America location. Your account number is unique to you and identifies your individual account within that branch.

Think of it this way: the transit number is the address of the bank branch, and your account number is the mailbox within that branch. You need both pieces of information for most transactions involving another institution.

What to do if you have the wrong transit number

If you provide an incorrect transit number for direct deposit or a wire transfer, the transaction may fail or be delayed. The sending institution will usually catch the error and contact you or the recipient to correct it before the money moves.

If money is sent to the wrong branch by mistake, contact Bank of America when ready. Explain what happened and provide the transaction details. Bank of America can often retrieve the funds, but the process takes time — sometimes several business days. The sooner you report the error, the faster it can be resolved.

For ongoing payments like direct deposit or automatic bill pay, update the information as soon as you realize the error. Most institutions allow you to change banking details before the next scheduled transaction.

Frequently Asked Questions

Is my transit number the same as my routing number?

Yes. Transit number, routing number, and ABA number all refer to the same nine-digit code. Bank of America and other institutions use these terms interchangeably. The number identifies your specific branch location.

Do I need a different transit number if I change Bank of America branches?

You may. If you move and open an account at a different Bank of America branch in a different state, that branch will have its own transit number. Check your new checks or account details to confirm. If you keep the same account but just change the branch you visit, ask Bank of America whether your transit number changes.

Can someone use my transit number to access my account?

No. Your transit number alone cannot be used to withdraw money or access your account. Someone would also need your account number and typically additional verification like your PIN or password. Your transit number is safe to share — it is required information for legitimate transactions.

What if I bank with Bank of America online only and do not have a physical branch?

Online Bank of America accounts still have a transit number associated with them. Log into your online banking portal and look under account details, or call 1-800-432-1000 to confirm your routing number. The number will route transactions to Bank of America's processing center for your account type.