Your Bank of America routing number is a nine-digit code that tells the banking system which Bank of America branch or processing center should receive money sent to your account.
The routing number is not unique to you — it's tied to the location where your account was opened or the processing center that handles it. When you send money via ACH transfer, wire transfer, or direct deposit, the routing number is how the sending bank knows where to direct the funds. Without it, the transaction cannot be completed.
Bank of America uses different routing numbers depending on the state where your account is held and the type of account you have. This is why you cannot use the same routing number for every Bank of America customer — the number must match your specific account location.
Key Takeaways
- Bank of America routing numbers are nine digits and vary by state and account type, so you must use the one that matches your specific account.
- You need your routing number when setting up direct deposit, making ACH transfers, paying bills by check routing, or receiving wire transfers.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling Bank of America customer service.
- Using the wrong routing number will cause a transfer to fail or be sent to the wrong account, delaying your payment by several business days.
Where to find your Bank of America routing number
The easiest place to find your routing number is on a check from your checking account. Look at the bottom left corner — the first nine digits printed there are your routing number. The next set of digits is your account number, and the final digits are the check number.
If you do not have a check, log into your Bank of America online banking account or mobile app. Go to your account details or account information section — the routing number is usually listed there alongside your account number. You can also call Bank of America at 1-800-432-1000 and speak to a representative who can confirm your routing number over the phone.
Common situations where you need your routing number
You need your routing number when you set up direct deposit for your paycheck or government benefits. Your employer or the benefits administrator uses it to send money directly into your account instead of issuing a paper check.
You also need it when you make an ACH transfer — a bank-to-bank transfer that typically takes one to three business days. If you are paying a bill through your bank's bill pay system, or if you are sending money to someone else's account at a different bank, you will be asked for the recipient's routing number. Wire transfers require your routing number as well, though wire transfers are faster (usually same-day) and more expensive than ACH transfers. If you are receiving a wire transfer from someone outside the United States, they may need your routing number along with your account number and bank name.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transfer will either fail or be sent to the wrong financial institution. The sending bank will not know that the number is wrong until the receiving bank rejects it — this can take several business days.
Once rejected, the money returns to the sender's account, but this process is not instant. You may see a delay of three to five business days before the funds reappear. During this time, if you were expecting the money to pay a bill, you could miss a payment deadline and face late fees or damage to your credit. If the money is sent to another bank by mistake, that bank will reject it because the account number will not match any account in their system. The funds will bounce back to the sender, not to you.
Bank of America routing numbers by state
| State | Routing Number |
|---|---|
| Alabama | 061000104 |
| Alaska | 125008082 |
| Arizona | 122105278 |
| Arkansas | 061000104 |
| California | 121000248 |
| Colorado | 102000076 |
| Connecticut | 021101108 |
| Delaware | 031000503 |
| Florida | 061000104 |
| Georgia | 061000104 |
| Hawaii | 121000248 |
| Idaho | 102000076 |
| Illinois | 071000013 |
| Indiana | 074000010 |
| Iowa | 073000228 |
| Kansas | 101000187 |
| Kentucky | 061000104 |
| Louisiana | 061000104 |
| Maine | 021101108 |
| Maryland | 031000503 |
| Massachusetts | 021101108 |
| Michigan | 072000096 |
| Minnesota | 091000019 |
| Mississippi | 061000104 |
| Missouri | 081000210 |
| Montana | 102000076 |
| Nebraska | 101000187 |
| Nevada | 121000248 |
| New Hampshire | 021101108 |
| New Jersey | 021101108 |
| New Mexico | 122105278 |
| New York | 021101108 |
| North Carolina | 061000104 |
| North Dakota | 091000019 |
| Ohio | 074000010 |
| Oklahoma | 101000187 |
| Oregon | 121000248 |
| Pennsylvania | 031000503 |
| Rhode Island | 021101108 |
| South Carolina | 061000104 |
| South Dakota | 091000019 |
| Tennessee | 061000104 |
| Texas | 111000025 |
| Utah | 102000076 |
| Vermont | 021101108 |
| Virginia | 061000104 |
| Washington | 121000248 |
| West Virginia | 061000104 |
| Wisconsin | 075000022 |
| Wyoming | 102000076 |
The routing number for your account depends on the state where you opened it. If you opened your account in California, you would use 121000248, but if you opened it in Texas, you would use 111000025. Even if you move to a different state, your routing number stays the same unless you close the account and open a new one in your new state.
Some Bank of America accounts opened online may be registered to a specific processing center rather than a physical branch location. If you are unsure which state your account is tied to, check your checks or call 1-800-432-1000 to confirm the correct routing number for your specific account.
Routing number versus account number
Your routing number identifies your bank and the location where your account is held. Your account number identifies your specific account within that bank. Together, they tell the banking system exactly where to send money.
Think of the routing number as the address of the bank branch and the account number as your mailbox number inside that branch. You need both pieces of information to complete most transfers. If you provide only the routing number without the account number, the bank will not know which account to deposit the money into.
Frequently Asked Questions
Can I use the same routing number for all my Bank of America accounts?
Yes, if all your accounts are in the same state. The routing number is tied to the state where your account was opened, not to the individual account. If you have a checking account and a savings account both opened in the same state, they share the same routing number.
Do I need my routing number to check my balance or pay my own bills?
No. You only need your routing number when money is being sent to your account from outside Bank of America, or when you are sending money to someone else's account at a different bank. For checking your balance or paying bills from your Bank of America account directly, you do not need it.
What if I opened my account online and do not know which state it is registered to?
Log into your Bank of America online account and check your account details, or call 1-800-432-1000. The representative can tell you which state your account is registered to and provide the correct routing number. You can also check a blank check if you ordered one.
Is my routing number the same as my bank code?
Your routing number is also called your ABA number or bank routing code — these terms mean the same thing. It is a nine-digit code specific to Bank of America and your state. Do not confuse it with a SWIFT code, which is used only for international wire transfers.
Can someone use my routing number to steal money from my account?
Your routing number alone cannot be used to steal money. A thief would need both your routing number and your account number, plus authorization to initiate a transfer. If you suspect fraud on your account, contact Bank of America immediately at 1-800-432-1000 to report it and freeze your account.