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 held in. The most common routing number for Bank of America checking and savings accounts is 026009593, but if your account was opened in a different state or through a merger, yours may be different. The fastest way to confirm your exact routing number is to log into your Bank of America online account, call their customer service line at 1-800-432-1000, or look at a check from your account.
You need your routing number to set up direct deposit, wire transfers, ACH payments, and automatic bill payments. It tells the banking system which Bank of America location or processing center handles your account, so using the correct one matters—the wrong routing number will cause a transfer to fail or be delayed.
Key Takeaways
- Your routing number appears on the bottom left corner of any Bank of America check, before your account number, as the first set of nine digits.
- Bank of America's primary routing number is 026009593, but some accounts use different routing numbers based on the state where the account was opened or through past mergers.
- You can confirm your routing number by logging into your online account under account details, calling 1-800-432-1000, or visiting a branch in person with your ID.
- Always confirm your personal routing number rather than assuming it is the standard one, because using the wrong number will cause transfers to fail.
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 on the far left is your routing number. The middle set is your account number, and the third set is the check number.
If you do not have checks on hand or have not ordered them yet, this method will not work for you. Move to one of the other options below. If you ordered checks but they have not arrived, you can still use your online account or call customer service to get the number immediately.
Checking your routing number through your online account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, go to the account details or account information section—this is usually found under "Account" or "Settings" in the main menu. Your routing number will be listed alongside your account number and other account details.
Some versions of the Bank of America app show routing information under "Transfer funds" or "Set up external accounts," since that is where you typically need it. If you cannot locate it in one place, try searching within the app for "routing number" to jump directly to it. This method takes less than a minute and works on any device with internet access.
Calling Bank of America customer service
Call 1-800-432-1000 and select the option for account information or customer service. Have your account number or the phone number associated with your account ready. A representative can confirm your routing number over the phone in under a minute. This method works even if you do not have online access or a check available.
Bank of America's phone lines are open 24 hours a day, 7 days a week, so you can call at any time that works for you. If you are calling from outside the United States, check the Bank of America website for the international customer service number for your country.
Visiting a Bank of America branch in person
Walk into any Bank of America branch with your ID and ask a teller for your routing number. They will provide it immediately and can also print it on a receipt for your records. This is useful if you want to confirm the number face-to-face or need other account information at the same time.
Branch hours vary by location, so check the Bank of America website or call ahead to confirm when your nearest branch is open. A teller can also answer questions about whether your routing number is the standard one or a state-specific one.
Understanding why routing numbers vary by state
Bank of America operates across all 50 states, and some of its routing numbers are tied to the state where your account was originally opened. If your account was created before a merger or if you opened it at a regional Bank of America location, your routing number may differ from the standard 026009593. This does not affect how your account works—it is simply how the bank's system tracks accounts across different regions.
If you are unsure whether your routing number is the standard one or a state-specific one, confirm it through your online account or by calling customer service rather than guessing. Using the wrong routing number will cause transfers to fail or be delayed, so it is worth taking 30 seconds to verify before you submit a payment or direct deposit form.
When you need your routing number
You will need your routing number whenever you set up a transfer into or out of your Bank of America account. Common situations include setting up direct deposit for your paycheck, paying bills through an external website, transferring money from another bank, or sending an ACH payment. Your employer, creditor, or the other financial institution will ask for both your routing number and your account number to process the transfer.
Keep your routing number handy if you manage multiple accounts or transfer money regularly. You do not need to memorize it, but having it written down or saved in a secure place saves time when you need it. Never share your routing number with anyone you do not trust, though it is generally considered less sensitive than your account number or PIN.
Frequently Asked Questions
Is 026009593 the routing number for all Bank of America accounts?
It is the most common one, but not the only one. Some accounts opened in specific states or through acquisitions use different routing numbers. Always confirm your personal routing number through your account, a check, or customer service rather than assuming it is the standard number.
Can I use any Bank of America routing number, or does it have to be mine?
You must use the routing number tied to your specific account. Using a different Bank of America routing number will cause the transfer to fail or go to the wrong account. Confirm your exact routing number before submitting any transfer request.
What happens if I use the wrong routing number?
The transfer will either be rejected by the bank or, in rare cases, sent to a different Bank of America account. If money goes to the wrong account, contact Bank of America immediately at 1-800-432-1000 to report the error and request a reversal. The sooner you report it, the faster they can recover the funds.
Do I need my routing number to access my account online?
No. You only need your username and password to log into your Bank of America account. Your routing number is only needed when you are sending or receiving money from outside accounts.
Where do I find my routing number if I have a Bank of America credit card or money market account?
Log into your account online or call customer service at 1-800-432-1000. Each account type has its own routing number, so confirm which account you need the routing number for before requesting it.