Bank of America routing numbers depend on your state and account type
Bank of America does not have a single routing number for all customers. The routing number you need depends on which state your account was opened in and, sometimes, which type of account you hold. When you set up direct deposit, wire a transfer, or receive an ACH payment, you will need the routing number that matches your specific account, not just any Bank of America number.
The most common routing number for Bank of America accounts opened in most states is 026009593. However, if your account was opened in Connecticut, New Jersey, New York, or Pennsylvania, your routing number is 021200025. If you opened your account in Illinois, Indiana, or Iowa, it is 071000013. Other states have their own routing numbers as well.
The fastest way to find your exact routing number is to look at the bottom left corner of any check you have from that account. The first nine digits printed there are your routing number. If you do not have a check, you can also log into your Bank of America online account or mobile app and find it in the account details section.
Key Takeaways
- Bank of America routing numbers vary by state, so you must use the one that matches where your account was opened, not just any Bank of America number.
- The routing number appears as the first nine digits on the bottom left of any check from your account.
- You can find your routing number by logging into your Bank of America online account or calling customer service at the number on the back of your debit card.
- Using the wrong routing number will cause your transfer or direct deposit to fail or be delayed, so verify it before submitting it to an employer or another bank.
Where to find your routing number online
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, go to the account details or account information section. Your routing number will be listed there alongside your account number. This method works for checking accounts, savings accounts, and money market accounts.
If you cannot find it online, call Bank of America customer service at the number on the back of your debit card. A representative can tell you your routing number over the phone and confirm it is correct for the type of transfer you are making. Have your account number ready when you call.
Routing numbers for different account types and states
| State(s) | Routing Number |
|---|---|
| Most states (AL, AZ, AR, CA, CO, DE, FL, GA, HI, ID, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY) | 026009593 |
| Connecticut, New Jersey, New York, Pennsylvania | 021200025 |
| Illinois, Indiana, Iowa | 071000013 |
Bank of America maintains separate routing numbers for different regions because of how the Federal Reserve processes payments. Each routing number corresponds to a specific processing center. Using the wrong one will not send your money to the wrong person, but it may cause a delay or rejection of the transaction.
If you are unsure which state your account was opened in, check your account opening documents or call customer service. They can confirm your routing number in seconds.
What happens if you use the wrong routing number
If you provide the wrong routing number for a direct deposit or ACH transfer, the transaction will typically be rejected before any money moves. Your employer or the sending bank will receive a message that the routing number does not match the account, and they will ask you to provide the correct one. This causes a delay but does not result in lost money.
For wire transfers, a wrong routing number is more serious. The Federal Reserve may attempt to deliver the funds to the wrong bank, and recovery can take several days or longer. Always verify your routing number with your bank before initiating a wire transfer, especially for large amounts.
Routing number versus account number
Your routing number identifies which Bank of America processing center handles your account. Your account number identifies your specific account within that system. Both are required for most transfers. The routing number is the same for all accounts at that processing center; the account number is unique to you.
On a check, the routing number is the first nine digits on the bottom left. The account number follows immediately after. When you set up direct deposit or authorize an ACH payment, you will need to enter both numbers. Entering only one is not enough to complete the transaction.
Using your routing number for direct deposit and bill pay
When you set up direct deposit with your employer, you will provide your Bank of America routing number and account number. The employer's payroll system uses these to send your paycheck to the correct account. Direct deposit typically takes one to two business days to process after your employer submits it.
For bill pay through Bank of America's online banking, you usually do not need to enter a routing number. The bank's system handles the routing automatically. However, if you are paying a bill by providing your bank details to a third party (such as a utility company), you will need to give them your routing number and account number so they can debit your account.
Frequently Asked Questions
Can I use any Bank of America routing number, or does it have to match my state?
You must use the routing number for the state where your account was opened. Using a different Bank of America routing number will cause the transaction to fail or be delayed. If you moved to a different state after opening your account, your routing number does not change.
What if I do not have a check to find my routing number?
Log into your Bank of America online account or mobile app and look in the account details section. You can also call customer service at the number on the back of your debit card, and they will provide it immediately.
Is my routing number the same for checking and savings accounts?
Yes. All Bank of America accounts opened in the same state share the same routing number, regardless of whether they are checking, savings, or money market accounts.
Do I need my routing number to transfer money between my own Bank of America accounts?
No. Transfers between your own Bank of America accounts happen within the bank's system and do not require a routing number. You only need a routing number when transferring to or from another bank.
What should I do if a direct deposit was rejected because of a wrong routing number?
Contact your employer's payroll department and provide the correct routing number. Ask them to resubmit the direct deposit. It will process within one to two business days once the correct information is entered.