Your routing number is on the bottom left of your checks, or you can find it instantly online through your Bank of America account
Bank of America's routing number depends on which state your account was opened in. The most common routing number is 026009593, but if your account is in California, Texas, or several other states, yours may be different. The fastest way to find your specific routing number is to log into your Bank of America account online or through the mobile app and look at your account details. If you have checks, the nine-digit number on the bottom left corner is your routing number — it comes before your account number.
You need your routing number when you set up direct deposit, receive wire transfers, or authorize automatic bill payments. Using the wrong routing number will cause the transaction to fail or be sent to the wrong bank, which can delay payments by several days.
Key Takeaways
- Your Bank of America routing number appears on the bottom left of your checks, before your account number.
- The most common Bank of America routing number is 026009593, but it varies by state and account type.
- You can find your exact routing number by logging into your Bank of America account online or calling customer service at 1-800-432-1000.
- Using an incorrect routing number will cause direct deposits, wire transfers, and bill payments to fail or route to the wrong account.
Check your Bank of America account online or through the app
Log into your Bank of America account at bankofamerica.com or open the mobile app. Once you are signed in, go to the account details or account information section — this is usually under "Account Services" or "Settings." Your routing number will be listed there along with your account number and other account details.
This method works whether you have a checking account, savings account, or money market account. The routing number is the same for all account types at the same branch.
Look at the bottom of your checks
If you have a checkbook, open it and look at the bottom of any check. You will see three sets of numbers separated by vertical lines. The first set of nine digits is your routing number. The second set is your account number. The third set is the check number.
This is the fastest method if you have checks on hand and do not want to log into your account. The routing number printed on your checks is always correct for your specific account.
Call Bank of America customer service
Call 1-800-432-1000 and select the option to speak with a representative. Have your account number or the phone number associated with your account ready. A representative can tell you your routing number in less than a minute.
This method is useful if you do not have online access or cannot locate your checks. Bank of America customer service is available 24 hours a day, seven days a week.
Understand why routing numbers vary by state and account type
Bank of America operates through different regional banks in different states. When you open an account in California, your account is technically held through Bank of America, N.A. (California), which has a different routing number than an account opened in New York or Texas. This is why the routing number on your checks depends on where you opened the account, not where you currently live.
If you moved to a different state after opening your account, your routing number does not change. It stays tied to the state where you originally opened the account. If you need a routing number for your current state of residence, you would need to open a new account in that state.
Common Bank of America routing numbers by state
| State or Region | Routing Number |
|---|---|
| California | 121000248 |
| Texas | 111000025 |
| Florida | 026009593 |
| New York | 021000322 |
| Illinois | 071000013 |
| Most other states | 026009593 |
This table shows the most common routing numbers, but Bank of America has additional routing numbers for specific branches and account types. Always verify your routing number through your account or checks rather than assuming it matches this table.
What happens if you use the wrong routing number
If you provide an incorrect routing number for a direct deposit or bill payment, the transaction will either be rejected or sent to a different bank. Rejected transactions usually bounce back within one to two business days, and you will receive a notification that the payment failed. If the routing number belongs to another bank, the money may be sent there by mistake, and you will need to contact both banks to recover it.
Wire transfers with the wrong routing number can take longer to reverse — sometimes up to five business days. For this reason, always double-check your routing number before setting up automatic payments or direct deposits for the first time.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies Bank of America and the specific branch or region where your account was opened. Your account number identifies your individual account within that bank. Both appear on the bottom of your checks, with the routing number first.
Can I use the same routing number for checking and savings accounts?
Yes. If you have both a checking and savings account at Bank of America, they share the same routing number because they are held at the same bank and branch. The routing number does not change based on account type.
What if I opened my account online and do not have checks?
Log into your Bank of America account online or through the mobile app and navigate to your account details. Your routing number will be listed there. You can also call 1-800-432-1000 to have a representative provide it over the phone.
Do I need my routing number to transfer money between my own Bank of America accounts?
No. Transfers between your own Bank of America accounts do not require a routing number. You only need your routing number when sending money to accounts at other banks or setting up direct deposit from an employer.
Will my routing number change if I move to a different state?
No. Your routing number stays the same even if you move. It is tied to the state where you originally opened the account, not your current location. If you want a routing number for your new state, you would need to open a new account there.