Your Bank of America routing number depends on which state your account was opened in
Bank of America does not use a single routing number for all accounts. Instead, the number is tied to the state where your branch is located or where you opened your account. The most commonly used routing number for Bank of America is 026009593, which covers most states. However, if your account was opened in Connecticut, New Jersey, or New York, your routing number may be different.
You need the correct routing number when you set up direct deposit, arrange wire transfers, or authorize automatic bill payments. Using the wrong number can delay your transaction or send money to the wrong place. The safest way to find your specific routing number is to check your own account information rather than relying on a general list.
Key Takeaways
- Bank of America's primary routing number is 026009593, but the correct number for your account depends on the state where you opened it.
- 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.
- Connecticut, New Jersey, and New York accounts may have different routing numbers than the standard one.
- Always verify your routing number before setting up direct deposit or wire transfers to avoid sending money to the wrong account.
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 corner of the check, you will see nine digits printed in a specific order. The first set of digits is your routing number, followed by your account number, and then the check number on the right.
If you do not have checks or prefer not to use them, this method still works if you have a single check lying around. You do not need to use the check for anything—you only need to read the numbers. Write down the nine-digit routing number and keep it for your records.
Finding your routing number online or by phone
Log into your Bank of America online banking account and navigate to your account details or account information section. The routing number is typically listed alongside your account number. You can also download your account information as a PDF, which will include the routing number.
If you do not use online banking, call Bank of America customer service at 1-800-432-1000. Have your account number ready, and a representative will provide your routing number over the phone. This method works if you need to verify the number before setting up a payment or transfer.
Routing numbers for different states
Most Bank of America accounts use the routing number 026009593. However, accounts opened in Connecticut, New Jersey, or New York may use 021200025. If your account was opened in one of these states, confirm which number applies to your specific account by checking your checks or logging into your online banking portal.
Bank of America also operates under different legal entities in different regions, which is why routing numbers vary. If you moved to a different state after opening your account, your routing number typically does not change—it remains tied to where you originally opened the account.
What happens if you use the wrong routing number
If you provide an incorrect routing number for direct deposit or a bill payment, the transaction may be rejected or delayed. Your employer or the organization sending the payment will be notified that the routing number does not match the account, and they may ask you to provide the correct one.
For wire transfers, using the wrong routing number can result in the money being sent to a different bank or account entirely. Once a wire transfer is sent, it is difficult to recover. Always double-check your routing number before authorizing any transfer, especially for large amounts.
Using your routing number for direct deposit and bill payments
When you set up direct deposit with your employer, you will need to provide both your routing number and your account number. The routing number tells the employer's bank which financial institution to send the money to, and the account number identifies your specific account within Bank of America.
For automatic bill payments through Bank of America's bill pay service, you typically do not need to enter your routing number—the system already knows it. However, if you are setting up a payment through a third-party service or your utility company's website, you may need to provide it. Always verify the number before confirming the setup.
Frequently Asked Questions
Is the Bank of America routing number the same for checking and savings accounts?
Yes, the routing number is the same regardless of whether you have a checking account, savings account, or both. The routing number identifies the bank and branch, not the type of account. Your account number is what distinguishes between your different accounts at the same bank.
Can I use 026009593 if I am not sure what my routing number is?
It depends on which state your account was opened in. If your account is in most states, 026009593 is correct. If it was opened in Connecticut, New Jersey, or New York, you should verify first by checking your checks or logging into online banking. Using the wrong number could delay your transaction.
Do I need a routing number to transfer money between my own Bank of America accounts?
No. When you transfer money between your own accounts at Bank of America through online banking or a Bank of America ATM, you only need your account numbers. Routing numbers are required for transfers to accounts at other banks or for direct deposit from employers.
What if my check shows a different routing number than what Bank of America lists online?
Contact Bank of America to clarify. Older checks may have outdated routing numbers if the bank restructured its operations. Use the routing number from your current online banking portal or from a recent check, as these are most likely to be current.