Bank of America routing numbers depend on which state your account is in
Bank of America does not have a single routing number for all customers. The number you need depends on the state where your account was opened or where your branch is located. If you use the wrong routing number, your transfer may be delayed or sent to the wrong place entirely.
The routing number is a nine-digit code that tells the banking system which institution should receive your money. When you set up a direct deposit, send a wire transfer, or arrange an automatic payment, you are telling another bank or employer: "Send this to Bank of America, and here is the code that proves I mean this specific Bank of America location."
Bank of America maintains different routing numbers for different regions. The most common ones are 011000015 (for most states), 121000248 (for some western states), and 026009593 (for Connecticut). But the exact number you need depends on where your account lives in the Bank of America system.
Key Takeaways
- Bank of America routing numbers vary by state, and using the wrong one can delay or misdirect your transfer.
- The most widely used Bank of America routing number is 011000015, but you should confirm which one applies to your account.
- You can find your correct routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America directly.
- Wire transfers, direct deposits, and automatic bill payments all require the routing number for your specific account location.
Where to find your routing number right now
The fastest way is to look at a check from your Bank of America 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 a checkbook, you have three other options.
Log into your Bank of America online banking account or mobile app. Go to the account details or settings section—the exact path varies slightly between the website and app, but it is usually under "Account Information" or "Account Details." Your routing number will be listed there alongside your account number.
Call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative can confirm your routing number in less than a minute and can also tell you whether you need a different number for a specific type of transaction.
Common routing numbers by region
| Routing Number | States and Uses |
|---|---|
| 011000015 | Most states; the default for the majority of Bank of America accounts |
| 121000248 | Arizona, California, Colorado, Nevada, New Mexico, Utah, Wyoming |
| 026009593 | Connecticut |
| 011601046 | Florida |
| 061000052 | Illinois |
This table covers the most common routing numbers, but Bank of America has additional numbers for other states and for specific transaction types. If your state is not listed here, the number 011000015 usually works, but you should confirm with your bank before sending a large transfer.
When you need the routing number versus the account number
The routing number tells the banking system which bank to send money to. Your account number tells that bank which account within that bank should receive it. You need both for almost any transfer.
For direct deposit, your employer will ask for both your routing number and account number. For wire transfers, you will provide the routing number to your own bank, and they use it to find the receiving bank. For automatic bill payments, you typically enter both numbers into the biller's website.
If you give someone only the routing number without the account number, they cannot complete a transfer—the money would arrive at Bank of America but the bank would not know which account to put it in. If you give the account number without the routing number, the sending bank will not know where to send it at all.
Wire transfers and the routing number
When you send a wire transfer from Bank of America, you do not give the routing number to the receiving bank. Instead, you give it to your own Bank of America branch. You tell them: "I want to send money to [person's name] at [their bank], and here is their routing number so you know where to send it."
Bank of America uses the receiving bank's routing number to find the correct institution in the Federal Reserve system. The transfer usually clears within hours on the same business day, though it can take until the next day if you send it late in the afternoon.
Wire transfer fees at Bank of America vary depending on whether you are sending money domestically or internationally. Domestic wires typically cost between $15 and $30. Always confirm the fee before you authorize the transfer.
Direct deposit and payroll routing
When you set up direct deposit with your employer, you will give them your Bank of America routing number and account number. Your employer's payroll system uses the routing number to find Bank of America, then deposits your paycheck into the account number you provided.
Direct deposits usually post to your account one or two business days after your employer processes payroll. If your employer says they need a special routing number for direct deposit, ask them which one—some large employers have their own internal codes, but Bank of America's standard routing numbers work for nearly all direct deposits.
What happens if you use the wrong routing number
If you use a routing number that does not match your account location, the transfer may be delayed while the banking system tries to figure out where it should go. In some cases, the receiving bank will reject the transfer and send it back to the sender, which can take several business days.
If you realize you used the wrong routing number after sending a transfer, contact Bank of America when ready. If the transfer has not yet cleared, they may be able to stop it. If it has already cleared, you will need to contact the receiving bank to ask them to return the funds.
For this reason, it is always worth double-checking your routing number before you send a large transfer or set up an automatic payment. A five-second confirmation call to Bank of America can save you days of waiting and the frustration of a misdirected payment.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers?
No. Bank of America uses different routing numbers for different states and regions. The most common one is 011000015, but you should confirm which one applies to your specific account by checking your checks, your online banking portal, or calling the bank.
Can I use 011000015 for any Bank of America transfer?
011000015 works for most Bank of America accounts and most types of transfers. However, if your account is in Arizona, California, Colorado, Nevada, New Mexico, Utah, or Wyoming, you may need 121000248 instead. Always confirm with your bank before sending a large transfer.
Do I need a different routing number for wire transfers versus direct deposit?
No. The same routing number works for both. For wire transfers, you give it to your Bank of America branch so they know where to send the money. For direct deposit, you give it to your employer so they know where to deposit your paycheck.
What if I cannot find my routing number?
Call Bank of America at 1-800-432-1000 with your account number ready. A representative will confirm your routing number in under a minute. You can also log into your online banking account and look in the account details section.
Will my transfer fail if I use the wrong routing number?
It may be delayed or rejected. If the routing number does not match your account location, the receiving bank might send the transfer back, which takes several business days. Contact Bank of America when ready if you realize you used the wrong number before the transfer clears.