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 is based in. The most common routing number is 026009593, used for most accounts opened in the eastern and central United States. If your account is in California, Nevada, or Hawaii, your routing number is 121000248. If you opened your account in the Pacific Northwest (Washington, Oregon, Idaho, or Utah), it is 125000105. The fastest way to confirm which one applies to you is to check your own checks or log into your Bank of America account online.
You need your routing number when you set up direct deposit for paychecks, arrange automatic bill payments, or receive a wire transfer. It tells the sending bank which Bank of America location to send the money to. Using the wrong routing number can delay a payment by several days or send it to the wrong account entirely.
Key Takeaways
- Bank of America's routing number is printed on the bottom left corner of your checks, before your account number.
- The three most common Bank of America routing numbers are 026009593 (East and Central), 121000248 (California, Nevada, Hawaii), and 125000105 (Pacific Northwest).
- You can confirm your specific routing number by logging into your Bank of America online account or calling customer service at 1-800-432-1000.
- Using the correct routing number prevents delays and ensures money reaches your account, not someone else's.
Finding your routing number on a check
The easiest method is to look at any check from your Bank of America account. At the bottom of the 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.
If you do not have checks or prefer not to use them, you do not need to order new ones just to find this number. Your online account and customer service both have it available immediately.
Finding your routing number in your online account
Log into your Bank of America account at bankofamerica.com. Go to the account details or account information section—the exact location varies slightly depending on whether you use the website or mobile app, but it is usually under "Account" or "Settings."
Look for a section labeled "Routing Number" or "Bank Information." Bank of America displays this information clearly once you are logged in. If you cannot locate it, you can also find it under the wire transfer or direct deposit setup pages, since those sections always show your routing number before you complete a transfer.
Calling Bank of America customer service
If you do not have online access or prefer to speak with someone, call Bank of America customer service at 1-800-432-1000. Have your account number or Social Security number ready. A representative can confirm your routing number in under a minute.
This method works if you are locked out of your online account, do not have checks available, or simply want to verify the number before setting up a large transfer. Wait times are typically shortest on weekday mornings.
Why routing numbers vary by state
Bank of America operates different processing centers in different regions. When you opened your account, it was assigned to one of these regional centers based on your home state. That center has its own routing number, which is why California accounts differ from New York accounts.
Your routing number does not change if you move to a different state after opening the account. It stays tied to the original processing center. If you want to change it, you would need to close the account and open a new one in your new state—which is rarely worth doing just for a routing number.
What to do if you are unsure which routing number to use
When you are setting up direct deposit or a wire transfer, use the routing number from your own checks or account first. If the receiving system rejects it or you get an error message, contact Bank of America customer service to confirm. Do not guess or use a routing number you found online without verifying it against your own account information.
If you are receiving money from someone else and they ask for your routing number, give them the one from your account. If they are sending to the wrong routing number, the money may go to a different Bank of America customer or be rejected entirely. Once a wire transfer is sent, it can take several days to reverse, so accuracy matters.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies which Bank of America processing center handles your account. Your account number identifies your specific account within that center. Both appear on your checks: routing number first (nine digits), then account number (usually ten to twelve digits).
Can I use any Bank of America routing number, or does it have to be mine?
You must use the routing number for the processing center that handles your specific account. Using a different Bank of America routing number will send the money to the wrong location and cause delays or failed transfers. Always use the number from your own checks or account.
What if I set up direct deposit with the wrong routing number?
Your paycheck will likely be rejected or delayed. Contact your employer's payroll department immediately and provide the correct routing number. They can update it in their system, and your next paycheck should arrive on time. If money was already sent to the wrong routing number, Bank of America customer service can help trace it.
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 the routing number when sending money to a different bank or receiving money from outside Bank of America.
Will my routing number change if I change my account type?
No. Your routing number is tied to the processing center, not the account type. If you convert a checking account to a savings account or vice versa, your routing number stays the same.