Your Bank of America routing number is a nine-digit code that tells other banks where to send money when you receive a transfer, direct deposit, or payment
The routing number identifies Bank of America as the receiving institution. When someone sends you money via ACH transfer, wire, or direct deposit, they use your routing number along with your account number to make sure the funds land in the right place. Every bank has its own routing number, and Bank of America's varies slightly depending on which state your account is in.
You need this number when you set up direct deposit for paychecks, arrange automatic bill payments, or receive money from another person's bank account. It is not sensitive information — you can share it freely without risk to your account security. Your account number, by contrast, should stay private.
Key Takeaways
- Bank of America routing numbers are nine digits and vary by state; the most common is 026009593 for California.
- You can find your routing number on the bottom left of any check, in your Bank of America online account, or by calling customer service.
- The routing number is safe to share and is required for direct deposits, bill payments, and transfers from other banks.
- If you have multiple Bank of America accounts in different states, each may have a different routing number depending on where the account was opened.
Where to find your routing number on a check
The easiest way to locate your routing number is to look at a check from your Bank of America account. At the bottom left of the check, you will see three groups of numbers separated by colons or vertical lines. The first group is your routing number — always nine digits.
The second group is your account number, and the third is the check number itself. If you do not have checks on hand or prefer not to write one, there are faster methods that do not require paper.
Finding your routing number online or by phone
Log into your Bank of America online account or mobile app and go to the account details or account information section. Most accounts display the routing number directly on the account summary page. If you cannot locate it there, the help or settings menu usually has a search function where you can type "routing number."
You can also call Bank of America customer service at 1-800-432-1000. Have your account number ready, and a representative will provide your routing number immediately. This method works if you are away from your computer or do not have online access set up yet.
Bank of America routing numbers by state
Bank of America uses different routing numbers depending on the state where your account was opened. The most commonly used routing number is 026009593, which covers California and several other western states. However, if your account was opened in a different state, your routing number may be different.
| State or Region | Routing Number |
|---|---|
| California | 026009593 |
| Texas | 111000025 |
| Florida | 061000052 |
| New York | 021200025 |
| Illinois | 071101307 |
| Other states | Check your account details or call customer service |
If you moved to a different state after opening your account, your routing number typically does not change — it stays tied to where the account was originally opened. If you are unsure which state your account is registered to, your online account details or a customer service representative can confirm it.
When you need your routing number
You will need your routing number whenever money is coming into your Bank of America account from an outside source. This includes setting up direct deposit for your employer's payroll, arranging automatic payments from another bank account, or receiving a wire transfer or ACH payment from another person or business.
You do not need your routing number to send money out of your Bank of America account — only to receive it. When you initiate a transfer or payment from your Bank of America account to someone else, you provide their routing number, not yours.
Why routing numbers are safe to share
Your routing number is public information and poses no security risk if shared. Banks publish routing numbers in directories, and they appear on every check you write. Someone cannot access your account or move money out using only your routing number and account number — they would also need authorization from you or from Bank of America.
Your account number is more sensitive because it identifies your specific account, but even your account number alone is not enough to drain funds. Fraudsters need additional verification, passwords, or authorization methods that Bank of America requires before processing transfers. If you are concerned about a transaction, contact Bank of America immediately and they can investigate.
What to do if you cannot find your routing number
If you have tried checking your account online and do not have checks available, calling Bank of America customer service is the fastest option. Have your account number, Social Security number, and a form of identification ready. A representative can verify your identity and provide your routing number within minutes.
If you are setting up direct deposit and need the routing number right away, ask your employer's payroll department if they have a Bank of America routing number on file — many large employers maintain a list of common bank routing numbers for employee convenience. You can also search "Bank of America routing number" plus your state name online, though always verify the number against your account details before submitting it to a third party.
Frequently Asked Questions
Do all Bank of America accounts use the same routing number?
No. Bank of America assigns routing numbers based on the state where your account was opened. If you have accounts in multiple states, each may have a different routing number. Check your account details for the specific number tied to each account.
Can I use someone else's Bank of America routing number to send them money?
Yes. If you are sending money to someone with a Bank of America account, you need their routing number and account number. You can ask them directly or they can provide it from their check or account details. Using the correct routing number ensures the transfer reaches the right bank.
What happens if I give the wrong routing number?
If you provide an incorrect routing number, the transfer may be rejected or delayed while the sending bank tries to locate the correct destination. Contact the person or organization who sent the money and provide the correct routing number so they can resubmit the transfer.
Is my routing number the same as my SWIFT code?
No. Your routing number is used for domestic transfers within the United States. A SWIFT code is used for international wire transfers. Bank of America can provide your SWIFT code if you need to receive money from outside the U.S.
Can I change my Bank of America routing number?
No. Your routing number is assigned based on your account's home state and cannot be changed. If you move to a different state, your routing number remains the same unless you close the account and open a new one in the new state.