Bank of America's routing number depends on which state your account was opened in
Bank of America does not have a single routing number for all customers. Instead, the number changes based on the state where your branch is located. If your account is tied to a California branch, you will use a different routing number than someone with an account opened in New York or Texas.
The routing number you need is the one that matches the state of your account's home branch — not where you live now, and not where you are sending money from. This matters because the routing number tells the banking system which processing center handles your account.
You can find your specific routing number in three places: your checkbook (printed in the bottom left corner), your Bank of America statement, or by calling Bank of America directly at 1-800-432-1000.
Key Takeaways
- Bank of America routing numbers are state-specific, so the number for a California account differs from a New York account.
- Your routing number appears on the bottom left of your checks and on your monthly statement.
- You can call Bank of America at 1-800-432-1000 to confirm your routing number without logging in online.
- The routing number you need is based on the state where your account was originally opened, not your current location.
- When setting up direct deposit or wire transfers, use only the routing number that matches your account's home state.
Where to find your routing number on paper
If you have a Bank of America checkbook, look at the bottom left corner of any check. You will see nine digits printed there — that is your routing number. It appears before your account number and before the check number on the right.
Your monthly statement also displays the routing number, usually near the top or in the account information section. If you receive statements by mail, this is often the easiest place to look because you do not need to log in or call anyone.
The routing number on your checks and statement will always match, because both are tied to the same account and the same state.
How to find it online or by phone
Log into your Bank of America account on the website or mobile app. Go to the account details or account information section — the exact location varies slightly between the website and app, but both have it. Your routing number will be listed alongside your account number.
If you do not have online access or prefer not to log in, call Bank of America's customer service at 1-800-432-1000. A representative can tell you your routing number over the phone. You will need to verify your identity with your account number or Social Security number.
You can also visit a Bank of America branch in person and ask a teller. They can print your routing number on a slip of paper for you.
Bank of America routing numbers by state
| State | Routing Number |
|---|---|
| Alabama | 061000104 |
| Alaska | 125008271 |
| Arizona | 122000661 |
| Arkansas | 061000104 |
| California | 121000248 |
| Colorado | 102000076 |
| Connecticut | 021101108 |
| Delaware | 031000503 |
| Florida | 061000104 |
| Georgia | 061000104 |
| Hawaii | 121000248 |
| Idaho | 102000076 |
| Illinois | 071000013 |
| Indiana | 071000013 |
| Iowa | 071000013 |
| Kansas | 101000187 |
| Kentucky | 061000104 |
| Louisiana | 061000104 |
| Maine | 021101108 |
| Maryland | 031000503 |
| Massachusetts | 021101108 |
| Michigan | 071000013 |
| Minnesota | 091000019 |
| Mississippi | 061000104 |
| Missouri | 101000187 |
| Montana | 102000076 |
| Nebraska | 101000187 |
| Nevada | 121000248 |
| New Hampshire | 021101108 |
| New Jersey | 021101108 |
| New Mexico | 122000661 |
| New York | 021101108 |
| North Carolina | 061000104 |
| North Dakota | 091000019 |
| Ohio | 071000013 |
| Oklahoma | 101000187 |
| Oregon | 121000248 |
| Pennsylvania | 031000503 |
| Rhode Island | 021101108 |
| South Carolina | 061000104 |
| South Dakota | 091000019 |
| Tennessee | 061000104 |
| Texas | 111000025 |
| Utah | 102000076 |
| Vermont | 021101108 |
| Virginia | 031000503 |
| Washington | 121000248 |
| West Virginia | 031000503 |
| Wisconsin | 071000013 |
| Wyoming | 102000076 |
When you need your routing number
You need your routing number whenever you set up direct deposit for payroll or government payments. Your employer or the agency sending the money uses it to route the deposit to the correct Bank of America processing center and then to your account.
Wire transfers also require your routing number, along with your account number. If someone is sending you money by wire, give them both pieces of information. The routing number tells the sending bank where to send the funds; the account number tells Bank of America which customer account to deposit it into.
ACH transfers — the slower, free method used for bill payments and peer transfers — also use your routing number. When you pay a bill online or send money through a service like Venmo or PayPal, the routing number is part of what gets transmitted to process the payment.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transaction may be rejected outright, or it may be sent to the wrong bank or processing center. If it reaches another bank by mistake, that bank will usually reject it and send it back to the sender, which can take several business days.
Direct deposits that go to the wrong routing number will bounce back to your employer's payroll system. Your paycheck will be delayed while the error is corrected. Contact your employer's payroll department as soon as you realize the mistake so they can resubmit with the correct number.
Wire transfers sent to the wrong routing number are harder to recover. Once the wire leaves Bank of America, reversing it requires the receiving bank's cooperation. If you catch the error immediately, call Bank of America at 1-800-432-1000 and explain the situation — they may be able to stop the wire before it settles, but this is not may provide.
Frequently Asked Questions
Is the routing number the same as my account number?
No. Your routing number identifies your bank and the processing center that handles your account. Your account number identifies your specific account within Bank of America. Both appear on your checks and statement, but they are different nine-digit numbers.
Do I need a different routing number if I move to another state?
No. Your routing number is based on the state where your account was originally opened, not where you live now. If you opened your account in California and moved to Texas, you still use the California routing number.
Can I use any Bank of America routing number, or does it have to match my state?
You must use the routing number that matches the state where your account was opened. Using a different state's routing number will cause the transaction to fail or be sent to the wrong processing center.
What if I do not know which state my account was opened in?
Check your statement or call Bank of America at 1-800-432-1000. A representative can tell you both the state and the correct routing number. You can also log into your online account and look at the account details section.
Are there different routing numbers for checking and savings accounts?
No. Both your checking and savings accounts at Bank of America use the same routing number — the one tied to the state where your account was opened. The account number is what distinguishes between the two accounts.