Your routing number is on your checks and online
Your routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit. Bank of America's routing number depends on which state your account was opened in, because the bank operates different routing numbers for different regions. You do not need to call anyone or wait for mail — you can find it right now on a check, in your online banking portal, or by calling the number on the back of your debit card.
The routing number is not secret and does not give anyone access to your account. You will need it to set up direct deposit for paychecks, receive ACH transfers from other people, or arrange automatic bill payments. It is different from your account number, which is also printed on your checks but is longer and unique to your specific account.
Key Takeaways
- Your routing number appears on the bottom left of any check you have from Bank of America, printed as a nine-digit code before your account number.
- Log into your Bank of America online account or mobile app and look for account details or account information — the routing number is listed there.
- Call the customer service number on the back of your debit card and ask for your routing number; they will give it to you immediately.
- Bank of America uses different routing numbers by state and account type, so make sure you have the correct one for your specific branch location.
Finding it on a paper check
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 (which is longer), then the check number on the far right. The routing number is always nine digits and contains only numbers — no letters or symbols.
If you no longer have checks or have not ordered them yet, this method will not work for you. Move to one of the other options below instead.
Finding it in your online account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, look for a section labeled "Account Details," "Account Information," or "Routing Number." The exact label varies depending on which version of the website or app you are using, but it is always in the account settings area.
On the website, this is usually under "Accounts & Transfers" or in a dropdown menu next to your account name. On the mobile app, tap the account you want information for, then look for a menu icon (three horizontal lines) or an information icon. The routing number will be displayed alongside your account number. Write it down or screenshot it so you have it when you need it.
Calling Bank of America customer service
Call the number on the back of your debit card or the number listed on your most recent statement. Tell the representative you need your routing number. They will verify your identity by asking for your account number, Social Security number, or other information, then give you the routing number over the phone.
This method takes a few minutes but works if you cannot access your checks or online account. Customer service is available during business hours and sometimes 24/7 depending on the type of account you have. Have your account number ready to speed up the process.
Understanding routing numbers by state and account type
Bank of America does not use a single routing number for all customers. The routing number you need depends on the state where you opened your account and sometimes on the type of account (checking versus savings). For example, a customer with a Bank of America account opened in California will have a different routing number than a customer whose account was opened in New York.
If you have moved to a different state since opening your account, your routing number does not change — it stays tied to the state where the account was originally opened. If you are unsure which state your account is registered to, check your checks or ask a Bank of America representative. Using the wrong routing number will cause transfers to fail or be delayed, so it is worth taking the time to confirm you have the right one.
What to do if you cannot find your routing number
If none of the methods above work — for example, if you do not have checks, cannot log into your account, or cannot reach customer service — visit a Bank of America branch in person. Any teller can look up your routing number in seconds and write it down for you. Bring your debit card or a form of ID so they can verify your account.
You can also search online for "Bank of America routing number" plus your state name, which will return a list of routing numbers by region. However, make sure you match your specific state and account type to the correct number before using it. If you are still unsure, calling customer service remains the safest option.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number is nine digits and identifies your bank and branch. Your account number is longer, unique to you, and identifies your specific account. Both appear on your checks, with the routing number on the far left.
Can someone use my routing number to steal money from my account?
A routing number alone cannot be used to withdraw money. Someone would also need your account number and usually additional verification. Sharing your routing number with your employer, a utility company, or someone sending you money is safe.
Do I need a different routing number for wire transfers?
Bank of America may use a different routing number for wire transfers than for ACH transfers or direct deposits. When you initiate a wire transfer, Bank of America will tell you which routing number to use. Do not assume your standard routing number works for wires.
What if I have multiple Bank of America accounts?
Each account may have the same routing number if they were all opened in the same state and are the same type. However, each account has its own unique account number. When setting up a transfer or direct deposit, use the routing number for your branch and the account number for the specific account receiving the money.
How long does it take to receive a transfer using my routing number?
ACH transfers typically take one to three business days. Direct deposits usually arrive on the scheduled date. Wire transfers are faster but may cost a fee. The timing depends on when the sender initiates the transfer and your bank's processing schedule, not just your routing number.