Your routing number is on the bottom left of your checks, or you can find it 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 for Bank of America checking and savings accounts is 021000021, but some accounts use different numbers based on where the account was opened. The fastest way to confirm your exact routing number is to log into your Bank of America online account or mobile app and look at your account details, or call Bank of America directly at 1-800-432-1000.
You need your routing number when you set up direct deposit, send a wire transfer, or arrange automatic bill payments. Using the wrong routing number can delay or misdirect your payment, so it is worth taking 30 seconds to verify before you submit it.
Key Takeaways
- Bank of America's primary routing number is 021000021, but some accounts use different numbers based on the state where the account was opened.
- The fastest way to find your routing number is to log into your Bank of America account online or through the mobile app and view your account details.
- Your routing number also appears on the bottom left corner of your checks, printed as the first nine-digit number.
- If you cannot find your routing number online or on a check, call Bank of America customer service at 1-800-432-1000 and have your account number ready.
Finding your routing number in 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 Accounts section and select the account you need the routing number for. Look for a link or tab labeled "Account Details" or "Routing Number"—Bank of America displays this information prominently on the account summary page.
If you cannot find it in the main account view, click on "Account Services" or "More Options" and look for "Routing Number" or "Bank Information." Bank of America also lists your routing number on statements and in the account settings area. Write down the nine-digit number exactly as it appears, since even one digit wrong will cause a payment to fail or be sent to the wrong place.
Checking your physical checks
If you have a checkbook, the routing number is printed on the bottom left of every check. It is the first set of nine digits, followed by your account number, then the check number on the far right. The routing number appears in a special magnetic ink character recognition (MICR) format, but it is readable as regular numbers.
This method works only if you have checks from your current Bank of America account. If your checks are old or from a closed account, the routing number may no longer be valid. Checks from a different bank will have a different routing number entirely.
Calling Bank of America customer service
If you do not have access to your account online or do not have checks, call Bank of America at 1-800-432-1000. Have your account number and a form of identification ready. A representative can tell you your routing number over the phone in under a minute.
Bank of America customer service is available 24 hours a day, 7 days a week. If you are calling from outside the United States, you can find the international phone number on the back of your debit card or by visiting the Bank of America website.
Understanding routing numbers by state
Bank of America uses different routing numbers for accounts opened in different states. The routing number 021000021 is the most common and covers most accounts, but some states have their own routing numbers. For example, accounts opened in California, Texas, or New York may use different numbers depending on which Bank of America branch processed the account.
The routing number you need is always the one tied to your specific account, not the state you currently live in. If you have moved since opening your account, use the routing number from the state where the account was originally opened. Your Bank of America account details will show the correct number for your account.
What to do if you have multiple Bank of America accounts
If you have more than one Bank of America account—such as a checking account and a savings account—each account may have the same routing number or different ones depending on how they were set up. Always verify the routing number for the specific account you are using, not just any Bank of America account.
When you log into your online account, select each account individually and note its routing number. If you are setting up direct deposit or a wire transfer, make sure you are using the routing number that matches the account where you want the money to go. Mixing up routing numbers between your own accounts can send a payment to the wrong place.
Frequently Asked Questions
Is the routing number the same for all Bank of America customers?
No. While 021000021 is the most common Bank of America routing number, some accounts use different numbers based on the state where the account was opened. Always check your specific account rather than assuming all Bank of America accounts use the same number.
Can I use the routing number from my checks if they are old?
Only if the checks are from your current account. Old checks from a closed account will have a routing number that is no longer valid for your current account. Always verify your routing number through your current online account or by calling Bank of America.
What happens if I use the wrong routing number?
A payment sent with the wrong routing number may be delayed, rejected, or sent to a different bank or account. The sending bank will usually catch the error and return the funds, but this can take several business days. Always double-check your routing number before submitting it.
Do I need a different routing number for wire transfers versus direct deposit?
No. The same routing number works for wire transfers, direct deposit, ACH payments, and other electronic transfers to your Bank of America account. Your routing number is tied to your account, not to the type of transaction.
Where do I find my routing number if I bank online only and do not have checks?
Log into your Bank of America online account or mobile app and view your account details. You can also call Bank of America at 1-800-432-1000. Both methods will give you your routing number in under a minute.