September 29, 2019

Bank of America Routing Number

Read more about Bank of America
This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

To transfer money in or out of your Bank of America checking or savings account, you'll need the right routing number. Find your Bank of America routing number and learn more about money transfers in our guide.

© CreditDonkey

Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as addresses that let other banks know where to find your money.

You need your routing number for many tasks, including:

  • ACH payments

  • Setting up direct deposit

  • Receiving benefits from the government, including tax refunds

  • Transferring money between accounts at different banks or investment firms

  • Automatic bill payment

  • Domestic wire transfers

Bank of America has branches throughout the United States and uses different routing numbers for different states and regions. Keep reading to find the right routing number for your transactions.

Bank of America savings accounts use the same routing numbers as checking accounts. However, some regions use different routing numbers for electronic transfers like ACH payments and paper transfers like ordering checks.

Bank of America Routing Numbers by State

Your Bank of America routing number is associated with the location of the bank where you opened your account. Even if you bank at another Bank of America branch, what matters is the bank where you opened your account.

Here are the Bank of America routing numbers by state:

StateRouting Number
District of Columbia054001204
Florida—East063100277 (electronic payment) / 063000047 (paper)
Illinois—Chicago Metro081904808 (electronic payment) / 071103619 (paper)
Missouri East/St. Louis081000032
Missouri West/Kansas City081000032 (electronic) / 101000035 (paper)
New Hampshire011400495
New Jersey021200339
New Mexico107000327
New York021000322
North Carolina053000196
North Dakota051000017
Rhode Island011500010
South Carolina053904483
South Dakota051000017
Texas—South111000025 (electronic) / 113000023 (paper)
West Virginia051000017

If you don't see your state listed or are unsure where you opened your account, keep reading.

Breaking Down Your Routing Number
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.

Other Ways to Find Your Bank of America Routing Number

Use a Check
For checking accounts, you can find the routing number in the lower left-hand corner of the checks corresponding with your checking account. It's the first 9 digits located at the bottom of the check.

Go Online
On the Bank of America website, visit the Information and Services tab after logging into your account to find your routing number.

On the mobile app, sign in and select the Accounts Overview tab to select your checking or savings account. Scroll down to the Account Details heading.

Call Customer Service
Call Bank of America at 800.432.1000, Mon–Fri 8 a.m.–11 p.m. ET or Sat–Sun 8 a.m.–8 p.m. ET. After you provide a few specific details to identify yourself, a representative will be able to confirm your account's routing number.

For a savings account routing number, you can check a recent bank statement via your online portal.

Routing Numbers for Domestic/International Wire Transfers

Wire transfers are a faster way to send money than an ACH transfer. From your Bank of America account, you can wire money to other bank accounts, and other accounts can wire funds to you.

For all domestic and international wire transfers using a Bank of America account, the routing number is 026009593.

Domestic Transfers
For all domestic wire transfers using a Bank of America account, the routing number is 026009593.

To SEND a domestic wire transfer, you'll also need:

  • The name and location of the recipient's bank
  • The recipient's account number
  • Recipient bank's wire transfer routing number

International Transfers
For all international wire transfers with a Bank of America account, use the routing number 026009593 and the appropriate Bank of America SWIFT code depending on which currency is being sent:

  • US Dollars: BOFAUS3N
  • Foreign currency: BOFAUS6S
  • Not sure? Use: BOFAUS3N

SWIFT codes are the international equivalents of the US routing numbers. They direct the money to the correct bank for international transfers.

To SEND an international wire, you'll also need:

  • Recipient bank name, address, and country

  • Recipient account number (you may need a country-specific account structure, e.g., a CLABE for Mexico or an IBAN for international bank accounts)

  • Recipient bank's SWIFT code

  • Currency of recipient's account (foreign currency or US dollars)

  • Purpose of wire

Keep reading to learn how to enable your account for wire transfers.

Setting Up Your Account for Wire Transfers

In order to wire funds, you'll need to set up a SafePass account within your Bank of America account. This ensures your transaction will be secure.

Here are the steps to set up your SafePass account:

  1. Sign into online banking portal

  2. Click Profile & Settings

  3. Click Manage SafePass

  4. Select the SafePass device you'd like your secure passcode to be sent

  5. Follow the on-screen instructions

Once you have your SafePass, you can initiate the wire transfer.

  1. Click on Transfers navigation tab in your online banking portal

  2. Select Using account number at another bank

  3. Follow the instructions on the Make Transfer screen

  4. If this is a new recipient, click Add Account/Recipient screen

  5. Enter the required information

Bank of American Wire Transfer Fees
Incoming domestic wire: $15
Incoming international wire: $16
Outbound domestic wire: $30
Outbound international wire sent in foreign currency: $35
Outbound international wire sent in US dollars: $45

Which Bank of America Routing Number Should You Use?

For Any Domestic Money Transfer Activity Besides Wire Transfers:
Use the routing number for the bank where you opened your account.

For Domestic Wire Transfers:
Use the routing number 026009593.

For International Wire Transfers:
Use the routing number 026009593 plus the correct Bank of America SWIFT code.

  • For U.S. dollars, use BOFAUS3N.
  • For foreign currency, use BOFAUS6S
  • If you are unsure which currency you are receiving, use BOFAUS3N.

Is There a Routing Number on Your Debit or Credit Card?
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your credit card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Bottom Line

You'll likely need your Bank of America routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

Disclaimer: This content was first published on September 29, 2019. Information including rates, fees, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check the bank's website for updated information.

More from CreditDonkey:

How to Transfer Money from One Bank to Another

Bank of America Review

What is a Routing Number

More Articles in Money Tips

Leave a comment about Bank of America Routing Number?

Email (won't be published)


Median Household Income

The median household income in the U.S. is $61,372. How much more do families make? Keep reading to learn find about, plus other average income states nationwide.

    Free Business Checking

    Hidden fees can pile up. Don't let your checking account be part of the problem. Find out which free business checking account is the best for you.

    How to Prevent Credit Card Fraud

    Credit cards are more convenient than carrying cash. But are they safe? As identity theft increases, you need to protect yourself. Read on to learn how.

    How to Withdraw Money from Bank

    Debit and ATM cards are the best and simplest way to withdraw money from your account whenever you need it. But even without one, you should still be able to access your funds. Keep reading to find out how.

    Union Bank Review: Account Good for You?

    If you are in the market for a simple bank account that allows you to pick and choose the features that you pay for, Union Bank may be the bank for you.

    First Tennessee Bank Review: Account Good for You?

    What means the most to you when you look for checking and savings accounts? Is it the interest rate, monthly required balance, or something else? At First Tennessee, you won't find the highest interest rates, but you'll find customer service and a variety of fringe benefits that may make it worth opening an account.

    Frost Bank Review: Account Good for You?

    Is local customer service important to you when you bank? Do you live in Texas? If so, you may want to put Frost Bank on your list of possible banks. As one of the larger banks in Texas, Frost Bank offers "human" customer service and personal touches that you won't see anywhere else.

    First Citizens Bank Review: Account Good for You?

    If you live in one of the 12 states in which First Citizens Bank is located, you may want to put it on your list of banking options. They have a large number of deposit accounts to choose from and they offer several ways to waive the monthly service fees.

    Comerica Bank Review: Account Good for You?

    Do you look for a wide range of account options at banks? Do you want a bank that offers free savings accounts with any checking account? Comerica Bank may provide what you need.

    Webster Bank Review: Account Good for You?

    Webster Bank offers bank accounts for those just starting out as well as those looking for a "premier" bank account. Do their services live up to your needs? Keep reading to find out.

    BBVA Review: Account Good for You?

    BBVA Bank may not even be on your radar when you are looking for a bank. That's because it's a regional bank, located mostly in the southwestern states. While it doesn't have branches available nationwide, BBVA does offer an online-only account available to consumers nationwide.

    BB&T Bank Review: Account Good for You?

    Banks aren't a one-size-fits-all thing. You have to find the one that suits your needs. Whether you are a seasoned banker or just starting out, each person has different needs, means, and capabilities when it comes to finances.

    Bank of the West Review: Account Good for You?

    If you live in the West, you've likely heard of Bank of the West. Is it worth putting your money at this bank or is it just another "low interest" big bank that has little to offer unless you have a lot of money to deposit?
More Articles in Money Tips

About CreditDonkey®
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.