Bank of America routing numbers depend on which state your account was opened in
Bank of America does not have a single routing number for all customers. The routing number you need depends on the state where your account is held, not where you live now or where you bank in person. If you opened your account in California, your routing number will be different from someone who opened theirs in Texas, even if you both use the same Bank of America branch today.
The routing number is a nine-digit code that tells other banks and payment systems where to send money when you receive a transfer, direct deposit, or automatic payment. You need the correct one for your account's home state, or the transfer may be delayed or sent to the wrong place.
Key Takeaways
- Bank of America routing numbers are tied to the state where you opened your account, not your current location or branch.
- The most common Bank of America routing numbers are 026009593 (California), 026008949 (Texas), and 021000021 (New York), but your account may use a different one.
- You can find your routing number on the bottom left of your checks, in your online banking portal under account details, or by calling Bank of America directly.
- If you are unsure which state your account is registered to, contact Bank of America customer service — they can tell you your routing number in minutes.
Where to find your routing number right now
The fastest way is to look at a check from your account. The routing number is the first nine digits on the bottom left of the check, before your account number. If you do not have checks or prefer not to use them, log into your Bank of America online banking account or mobile app, go to account details or account information, and your routing number will be listed there.
You can also call Bank of America at 1-800-432-1000 and tell them you need your routing number. Have your account number or Social Security number ready. They will give you the number over the phone in under a minute.
Common Bank of America routing numbers by state
Bank of America maintains different routing numbers for different states. The table below shows the most frequently used ones, but your account may use a different routing number depending on when and where it was opened. If your state is not listed or you are not sure, use one of the methods above to confirm.
| State | Routing Number |
|---|---|
| California | 026009593 |
| Texas | 026008949 |
| New York | 021000021 |
| Florida | 026012881 |
| Illinois | 071000013 |
| Pennsylvania | 031000084 |
| Virginia | 051000017 |
| Washington | 125008082 |
If you opened your account in a state not shown here, Bank of America has routing numbers for every state. The safest approach is to confirm your specific routing number through your checks, online account, or by calling customer service rather than guessing based on your current location.
Why routing numbers matter for transfers and direct deposits
When someone sends you money via ACH transfer (the system used for direct deposits, bill payments, and peer-to-peer transfers), they need both your account number and your routing number. The routing number tells their bank which financial institution to send the money to. If you give them the wrong routing number, the transfer may go to a different bank or be rejected entirely.
Direct deposits from employers, government benefits, and tax refunds also require the correct routing number. If your employer or the Social Security Administration has the wrong one on file, your deposit could be delayed by days or sent somewhere else. This is why it is worth confirming your routing number before you give it to anyone.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transfer will usually be rejected before it leaves the sending bank, and the money will stay in the sender's account. The sender will then be notified that the transfer failed, and they can correct it and try again.
In rare cases, a transfer sent to the wrong routing number may take several days to bounce back. During that time, the money is in limbo. If this happens to you, contact Bank of America when ready and provide them with the transfer details. They can help trace where the money went and work with the other bank to retrieve it, though this process can take one to two weeks.
Routing numbers versus account numbers
Do not confuse your routing number with your account number. Your routing number identifies Bank of America (or whichever bank holds your account). Your account number identifies your specific account within that bank. Both are printed on your checks: the routing number is the first nine digits on the bottom left, and your account number follows it.
When you set up a direct deposit or authorize an automatic payment, you will be asked for both. Giving someone only your routing number is not enough for them to access your account — they also need your account number. Conversely, your account number alone is not enough to send you money; they need the routing number to know which bank to send it to.
Frequently Asked Questions
Do I need a different routing number if I moved to a different state?
No. Your routing number stays the same because it is tied to the state where you opened your account, not where you live now. If you opened your account in California and moved to Texas, you keep the California routing number. You only get a new routing number if you close your account and open a new one in a different state.
Is my routing number the same for checking and savings accounts?
Usually yes, but not always. Most Bank of America customers have the same routing number for both checking and savings accounts opened in the same state. However, if your accounts were opened at different times or in different states, they may have different routing numbers. Check each account separately or call Bank of America to confirm.
Can I use any Bank of America routing number, or does it have to match my account?
You must use the routing number that matches your account. Using a different Bank of America routing number — even though it is a Bank of America number — will send the money to the wrong account or cause the transfer to fail. Always confirm your specific routing number before you provide it.
What if Bank of America merged with another bank or changed my account?
If your account was transferred to Bank of America through a merger or acquisition, your routing number may have changed. Contact Bank of America to confirm your current routing number, especially if your direct deposits or automatic payments have been failing recently.