Your Bank of America transit number is a nine-digit code that identifies the specific branch where your account is held
The transit number appears on the bottom left of your checks, printed as the first set of nine digits before your account number. It tells the banking system which Bank of America location processes transactions for your account. When you move money between banks, pay bills by check, or set up direct deposit, the transit number routes your payment to the correct place inside Bank of America's network.
Bank of America uses different transit numbers for different states and regions. If you have an account at a branch in California, your transit number will be different from someone with an account in New York. The transit number is not the same as your routing number, though the two are related and sometimes confused.
Key Takeaways
- Your Bank of America transit number is the nine-digit code on the left side of your checks, before your account number.
- The transit number identifies your specific branch location and is used to route payments and direct deposits correctly.
- Bank of America assigns different transit numbers based on the state and region where your branch is located.
- You can find your transit number on a check, by calling Bank of America customer service, or by logging into your online account.
Where to find your transit number
The easiest place to look is the bottom left corner of any check you have from that account. The first nine digits are your transit number. If you do not have checks or they are not handy, you can call Bank of America at 1-800-432-1000 and speak to a representative who can give you the number in seconds.
You can also log into your Bank of America online account or mobile app. Go to your account details or settings section—the exact location varies slightly depending on whether you are on desktop or mobile—and look for routing or transit information. Some accounts display it under "Account Information" or "Account Details." If you cannot find it in the app, the phone call is faster than searching.
Transit number versus routing number
Bank of America uses the terms transit number and routing number interchangeably in most situations, which causes confusion. Technically, a transit number identifies a specific branch, while a routing number identifies the entire bank or a large region. In practice, when Bank of America gives you a nine-digit code for payment purposes, it works as both.
The number you use for direct deposit, wire transfers, and ACH payments (automatic bill pay) is the same nine-digit code from your checks. You do not need to look up a separate number. If someone asks for your "routing number" for a Bank of America account, give them the nine-digit transit number from your check.
When you need your transit number
You will need your transit number when you set up direct deposit for your paycheck or government benefits. Your employer or the benefits office uses it to send money to the right Bank of America account. You also need it when you arrange automatic bill payments from your Bank of America account to pay utilities, insurance, or loan payments.
If you are receiving a wire transfer from another bank or person, you may be asked for your transit number along with your account number. Some peer-to-peer payment services and money transfer platforms also ask for it during setup. When you close an account and want to move money to a different bank, the receiving bank may ask for your Bank of America transit number to confirm where the funds came from.
What happens if you use the wrong transit number
If you provide an incorrect transit number when setting up direct deposit or a payment, the transaction may be rejected outright, or it may be delayed while the banking system tries to figure out where it belongs. A direct deposit with a wrong transit number typically bounces back to your employer within one to two business days, and your paycheck is reissued to the correct account once you provide the right number.
For bill payments and recurring transfers, a wrong transit number usually causes the payment to fail before it leaves your account, so you are not charged twice. The payment simply does not go through, and you will see an error message or notification. Always double-check the number before confirming a new payment setup, especially for automatic recurring payments.
Transit numbers for different Bank of America regions
Bank of America operates across the United States and uses different transit numbers depending on your branch location. California branches have different transit numbers than Texas branches, which differ from those in the Northeast. If you move to a different state and open a new Bank of America account there, your new account will have a different transit number tied to that branch.
If you keep your existing account open after moving, the transit number stays the same—it is tied to the original branch where you opened the account, not your current location. This means direct deposits and payments will still route to that original branch's processing center, which works fine. You do not need to update your transit number just because you moved, unless you close the old account and open a new one.
Frequently Asked Questions
Is my transit number the same as my account number?
No. Your transit number is the first nine digits on the bottom left of your check. Your account number comes after the transit number and is unique to your specific account. Both are needed for direct deposits and wire transfers.
Can I use the same transit number for multiple Bank of America accounts?
Only if both accounts are held at the same branch. If you have accounts at different Bank of America branches, each account has its own transit number. Check the bottom of checks from each account to confirm.
What if I do not have checks?
Call Bank of America at 1-800-432-1000, log into your online account, or visit a branch in person. Any of these methods will give you your transit number within minutes.
Do I need my transit number to transfer money between my own Bank of America accounts?
No. Transfers between your own accounts at Bank of America only require your account numbers. The transit number is for moving money to or from other banks, or for setting up external payments.
Will my transit number change if I move to a different state?
Only if you close your current account and open a new one at a Bank of America branch in the new state. If you keep your existing account open, the transit number stays the same regardless of where you live.