Where to find your routing number in the Bank of America app
Open the Bank of America app and tap the menu icon (three horizontal lines) in the bottom right corner. Select Account Details or Account Information. Your routing number appears on the screen labeled as Routing Number or ABA Number—both terms refer to the same nine-digit code. The number is specific to the branch where you opened your account, not to you personally.
If you cannot find Account Details in the menu, tap on the account you need the routing number for, then look for a gear icon or settings option within that account view. Some versions of the app place this information under Transfer Funds or External Transfers, since routing numbers are most often needed when setting up transfers to or from other banks.
The routing number you see in the app is the same one printed on the bottom left of your checks, if you have them. You can also verify it by calling Bank of America at 1-800-432-1000 or visiting a branch in person.
Key Takeaways
- Your routing number appears in the Bank of America app under Account Details or Account Information, accessible from the menu.
- The routing number is a nine-digit code specific to your branch, and Bank of America calls it either a routing number or ABA number.
- You need your routing number when setting up direct deposit, wire transfers, or automatic bill payments from another bank.
- The same routing number is printed on the bottom left of your checks and can be verified by phone or in person at a branch.
Why you need a routing number and when to use it
A routing number tells the banking system which Bank of America branch holds your account. When you set up direct deposit through an employer, the employer uses your routing number and account number together to send your paycheck to the right place. The same applies to automatic bill payments, ACH transfers between banks, and wire transfers.
You do not need your routing number for everyday transactions like debit card purchases, ATM withdrawals, or transfers between your own Bank of America accounts. You only need it when money is moving in or out through another institution or payment system.
Different routing numbers for different transaction types
Bank of America uses different routing numbers depending on the type of transaction and your account type. The routing number in your app is typically for ACH transfers and direct deposit. Wire transfers sometimes use a different routing number, and business accounts may have their own routing numbers separate from personal accounts.
When you are setting up a transfer or direct deposit, the receiving institution will tell you which routing number to use. If the one in your app does not work, ask the institution whether they need a wire transfer routing number instead, or call Bank of America to confirm you have the right code for that specific transaction type.
What to do if the app does not show your routing number
If you cannot locate the routing number in your app after checking Account Details and account settings, the most direct option is to call Bank of America customer service at 1-800-432-1000. Have your account number ready, and they can provide the correct routing number for your branch and account type in under a minute.
You can also visit a Bank of America branch in person with your ID and account information. Staff can print or write down your routing number on the spot. If you have checks from your account, the routing number is the first nine digits on the bottom left of any check.
Routing number versus account number
Your routing number identifies your Bank of America branch. Your account number identifies your specific account within that branch. Both are needed together for transfers and direct deposit. The app shows both numbers in the same location—usually Account Details—and they appear in the same order on your checks: routing number first, then account number.
When you provide these numbers to set up a transfer or direct deposit, double-check that you have copied them correctly. A single digit wrong in either number will cause the transaction to fail or go to the wrong account.
Keeping your routing and account numbers secure
Your routing number is not secret—it is printed on your checks and is the same for everyone at your branch. However, your account number is private. Never share your account number with anyone unless you initiated the contact and trust the recipient. Scammers sometimes call or email asking for account numbers by claiming they need to verify your information.
When you provide your routing and account numbers to set up direct deposit or a transfer, do so only through official channels: your employer's payroll system, your bank's app, or a financial institution you contacted yourself. Do not provide these numbers in response to unsolicited calls or emails.
Frequently Asked Questions
Is my routing number the same at every Bank of America branch?
No. Your routing number is specific to the branch where you opened your account. If you opened your account at the downtown branch, that branch's routing number is what you use, even if you now live near a different branch. The app shows the correct routing number for your account.
Can I use the routing number from my checks if they are old?
Yes. Your routing number does not change unless you close your account and open a new one. If your checks are from the same account, the routing number on them is still valid. However, using the app or calling the bank is faster than digging through old checks.
What if I need a wire transfer routing number instead?
Wire transfer routing numbers are sometimes different from ACH routing numbers. When you are setting up a wire transfer, the receiving bank will tell you which routing number to use. If the number in your app does not work for a wire, call Bank of America and ask for the wire transfer routing number for your branch.
Do I need my routing number to send money to someone else's Bank of America account?
No. If you are transferring money between two Bank of America accounts, you only need the recipient's account number. The app will route the money internally. You only need a routing number when the recipient's account is at a different bank.
Can someone access my account if they have my routing number?
No. Your routing number alone cannot be used to access or drain your account. A person would also need your account number, and even then, they would need authorization to move money. Your routing number is safe to share when you need to receive direct deposit or set up transfers.