Your Bank of America routing number is a nine-digit code that identifies your specific branch and region within the bank's network
The routing number tells the banking system where to send money when you receive a transfer, direct deposit, or payment. It is different from your account number — the routing number is the same for everyone at your branch, while your account number is unique to you. Bank of America uses different routing numbers depending on which state your account is held in, so you cannot use a routing number from a California branch if your account is in New York.
You need your routing number whenever you set up direct deposit from an employer, arrange automatic bill payments, or receive a wire transfer. The routing number is not secret — it appears on the bottom left of every check you write, and the bank publishes it publicly because the payment system requires it to work.
Key Takeaways
- Your Bank of America routing number is nine digits and appears on the bottom left of your checks, before your account number.
- The routing number depends on the state where your account is located, not where you live or which branch you visit.
- You can find your routing number by logging into your online account, calling Bank of America customer service, or visiting your local branch.
- The same routing number works for ACH transfers, direct deposits, wire transfers, and bill payments — you do not need different numbers for different transaction types.
Finding your routing number on a check
The easiest place to find your routing number is the bottom left corner of any check from your account. The first nine digits printed there are your routing number. The next set of digits is your account number, and the last set is the check number itself. If you do not have checks or cannot read them clearly, use one of the other methods below.
This method works only if the checks are from your current account at Bank of America. If you have moved accounts or switched banks, the routing number on old checks may no longer be correct.
Looking it up online or by phone
Log into your Bank of America account on their website or mobile app, go to your account details or settings, and look for the routing number listed there. The app usually shows it under account information or account details. This is the fastest method if you already have your login information.
If you do not have online access, call Bank of America customer service at 1-800-432-1000. Have your account number ready. A representative will give you your routing number over the phone. You can also visit any Bank of America branch in person and ask a teller — they can print it for you immediately.
Understanding why routing numbers vary by state
Bank of America operates different routing numbers for different regions. If your account is registered in California, you will have a California routing number even if you moved to Texas. The routing number is tied to where the account was opened and is maintained, not to your current location.
This matters because if you give someone the wrong state's routing number, the transfer may be delayed or rejected. Always verify that the routing number matches the state where your account is actually held. If you have moved and want to confirm which state your account is in, check your account statements or ask Bank of America directly.
Using your routing number for different types of payments
The same routing number works for all payment methods: direct deposit from your employer, ACH transfers from other banks, automatic bill payments, and wire transfers. You do not need to find or use a different routing number depending on what kind of payment you are receiving or sending. The nine-digit code remains the same across all transaction types.
When you set up a new automatic payment or direct deposit, the system will ask for your routing number and account number together. Double-check both before confirming, because a mistake in either one can send money to the wrong place or delay it significantly.
What to do if you cannot find your routing number
If you have lost access to your checks, cannot log into your account, and do not want to call, Bank of America publishes routing numbers by state on their website. Search for "Bank of America routing numbers" and select your state. This will show you the routing number for your region.
If you are unsure which state your account is in, or if you have multiple accounts in different states, contact Bank of America directly. They can confirm which routing number belongs to which account in seconds. It is better to verify once than to use the wrong number and have a payment fail.
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 different and identifies your specific account. Both appear on your checks, with the routing number on the far left and the account number in the middle.
Can I use the same routing number for wire transfers and direct deposits?
Yes. The same nine-digit routing number works for all types of transfers — wire transfers, ACH transfers, direct deposits, and bill payments. You do not need different numbers for different transaction types.
What if I give someone the wrong routing number?
The payment may be rejected or delayed. The receiving bank will try to match the routing number to the account number, and if they do not align, the transaction can fail. Contact the person sending the money and provide the correct routing number so they can resubmit.
Does my routing number change if I move to a different state?
No. Your routing number is based on the state where your account was opened and remains the same even if you move. If you want a routing number for a different state, you would need to open a new account in that state.
Where do I find my routing number if I bank online only?
Log into your Bank of America online account and look under account information or account details. Your routing number will be listed there. If you cannot find it, call customer service at 1-800-432-1000 and they will provide it over the phone.