Your routing number is on the bottom left of any check you have
The easiest place to find your Bank of America routing number is the bottom left corner of a personal check. It's a nine-digit code printed before your account number. If you don't have checks in front of you, you can find it online, by phone, or in the Bank of America app in under a minute.
Your routing number tells the banking system which Bank of America branch or processing center to send money to. You need it when setting up direct deposit, making wire transfers, or authorizing automatic bill payments. The number stays the same regardless of which branch you use or how long you've had your account.
Key Takeaways
- Bank of America's routing number for most accounts is 026009593, but some accounts use different numbers based on the state where you opened them.
- You can find your specific routing number on a check, in the Bank of America app under account details, or by calling customer service at 1-800-432-1000.
- The routing number is always nine digits and appears at the bottom left of checks, before your account number.
- Different Bank of America products (checking, savings, money market) may have different routing numbers depending on how and where the account was opened.
Finding it in the Bank of America app or online
Log into your Bank of America account on the website or mobile app. Go to the account you need the routing number for and look for "Account Details" or "Account Information." The routing number is listed there alongside your account number.
On the website, you can usually find this under Settings or Account Summary. On the mobile app, tap the account, then look for a menu icon or details option. The routing number displays as a nine-digit code. Write it down or take a screenshot before you close the app, since you'll need it to give to your employer, lender, or another financial institution.
Calling Bank of America customer service
Call 1-800-432-1000 and have your account number ready. A representative can tell you your routing number in seconds. This is the fastest option if you're on the phone already setting up a payment or transfer and need the number immediately.
You can also visit a Bank of America branch in person and ask a teller. They'll write it down for you or print it on a receipt. This works well if you're already there for another reason, though calling ahead saves a trip.
Understanding routing numbers by state and account type
Bank of America uses different routing numbers depending on the state where you opened your account and the type of account. The most common routing number is 026009593, but if you opened your account in a different state, yours may be different. This is why checking your specific account details matters rather than using a general number you find online.
Money market accounts, savings accounts, and checking accounts can have different routing numbers even within the same branch. Always verify the routing number for the specific account you're using, not just any Bank of America account. Using the wrong routing number will send money to the wrong place and delay the transfer.
What to do if you're setting up direct deposit
When your employer asks for your routing number and account number to set up direct deposit, give them both. Your employer's payroll system uses the routing number to find Bank of America and the account number to find your specific account. Direct deposit usually starts within one to two pay periods after you submit the information.
Double-check both numbers before submitting them. A wrong routing number won't stop the deposit, but it will go to someone else's account at Bank of America, and recovering it takes time. If you make a mistake, contact your employer's payroll department right away to correct it.
Using your routing number for wire transfers and bill pay
When you send a wire transfer through Bank of America, you'll enter the recipient's routing number (not yours) along with their account number. The system uses this to route the money to their bank. Wire transfers typically process the same business day if sent before the cutoff time, usually 2 p.m. Eastern time.
For automatic bill payments set up through Bank of America's bill pay service, you usually don't need to enter a routing number—the system handles it automatically. However, if you're setting up a payment through a third party (like a utility company's website), they may ask for your Bank of America routing number and account number to pull money from your account.
Frequently Asked Questions
Is Bank of America's routing number the same for everyone?
No. While 026009593 is the most common Bank of America routing number, the actual number depends on the state where you opened your account and the account type. Always check your specific account details rather than assuming a general number will work.
What happens if I give someone the wrong routing number?
The money will either be rejected or sent to the wrong account at Bank of America. If it reaches another account, contact Bank of America immediately with the transaction details. They can attempt to recover the funds, but it's faster to catch the error before the transfer completes.
Do I need my routing number to receive a wire transfer?
Yes. The person sending you money needs your Bank of America routing number and your account number to complete the wire. Give them both numbers and confirm they have them correct before the sender initiates the transfer.
Can I use the same routing number for checking and savings accounts?
Not always. If you opened both accounts at different times or in different states, they may have different routing numbers. Check each account separately in the app or by calling customer service to confirm which routing number belongs to which account.