Finding your Bank of America routing number is a common need, whether you're setting up direct deposit, initiating a wire transfer, or linking external accounts. It's a crucial nine-digit code that directs funds to the correct financial institution. The good news is, Bank of America makes it quite straightforward to locate this essential piece of information.
Are you ready to discover your Bank of America routing number with ease? Let's dive into the various methods available, ensuring you have the right number for the right transaction.
Understanding Bank of America Routing Numbers
Before we begin, it's important to understand that Bank of America uses different routing numbers depending on the type of transaction and the state where your account was opened. This is a key detail that can prevent costly delays or rejected transfers.
- Standard Transactions (ACH, Direct Deposit, Bill Pay): These often depend on the state where you opened your account.
- Wire Transfers (Domestic and International): Bank of America typically uses a universal routing number for wire transfers, which simplifies things significantly.
Now, let's explore the step-by-step methods to find your specific Bank of America routing number.
Step 1: Check Your Physical Bank of America Checkbook
This is often the easiest and quickest way to find your routing number for standard transactions.
Sub-heading: Where to Look on Your Check
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Grab a personal check from your Bank of America checkbook. Make sure it's an unused check, not a deposit slip.
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Locate the bottom left corner of the check. You'll see three sets of numbers printed there.
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The first set of nine digits on the far left is your routing number. It will often be enclosed by special symbols.
- Example: Imagine your check looks like this:
|:012345678|: 9876543210|: 1234. In this example, 012345678 would be your routing number.
- Example: Imagine your check looks like this:
Sub-heading: Important Considerations for Checks
- Account Opening State: The routing number on your check is tied to the state where you originally opened your account. If you've moved to a different state but kept the same checking account, your routing number will remain the one from the original state.
- Check Number: Don't confuse the routing number with your account number or the check number! The routing number is always the first nine digits on the left.
Step 2: Utilize Bank of America Online Banking
For many, online banking is the most convenient way to access account information, including your routing number.
Sub-heading: Logging In to Your Account
- Open your web browser and go to the official Bank of America website (bankofamerica.com).
- Log in to your Online Banking account using your User ID and Passcode. If you haven't set up online banking yet, you'll need to enroll first.
Sub-heading: Navigating to Account Details
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Once logged in, navigate to the Accounts section or your Account Summary.
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Select the specific account (checking, savings, etc.) for which you need the routing number.
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Look for a section titled "Account Details," "Account Information," or "Information & Services." The routing number will typically be displayed here, often alongside your account number.
- Tip: Sometimes, there will be a link to a "Direct Deposit" form which will have your routing and account number pre-filled. This is a very reliable method.
Step 3: Use the Bank of America Mobile App
The Bank of America Mobile App offers a seamless way to check your routing number on the go.
Sub-heading: Accessing the App
- Open the Bank of America Mobile Banking app on your smartphone or tablet.
- Log in using your Touch ID, Face ID, or your User ID and Passcode.
Sub-heading: Finding Your Routing Number in the App
- Once logged in, select the account for which you need the routing number from your account list.
- Look for an option like "Account Info," "Details," or similar.
- Your routing number will be listed there. Some users can even ask Erica, Bank of America's virtual financial assistant, to help them find their routing number directly within the app. Just type or say "What's my routing number?"
Step 4: Consult Your Bank Statement
Your monthly or quarterly bank statements are another reliable source for your routing number.
Sub-heading: Paper Statements
- Locate a recent paper statement from Bank of America.
- Scan the statement for your account details. The routing number is usually listed near your account number at the top or bottom of the statement.
Sub-heading: E-Statements (Online)
- If you receive electronic statements, log in to your Bank of America Online Banking (as in Step 2).
- Navigate to the "Statements and Documents" section.
- Download a recent statement and open it. The routing number will be present on the statement, just like a paper statement.
Step 5: Contact Bank of America Customer Service
If you're unable to find your routing number using the methods above, or if you need to confirm it for a specific type of transaction (especially wire transfers), calling customer service is a reliable option.
Sub-heading: Preparing for Your Call
- Have your account information ready, such as your account number, debit card number, and personal identification details, to verify your identity.
- Prepare your specific question: "What is the routing number for direct deposit to my checking account in [Your State]?" or "What is the routing number for a domestic wire transfer to my account?"
Sub-heading: Reaching Out
- Dial Bank of America's customer service number: You can typically find this on the back of your debit card, on their official website (
bankofamerica.com/contactus - Follow the prompts to speak with a representative. Explain why you need the routing number and they will assist you.
Step 6: Specific Routing Numbers for Wire Transfers
As mentioned earlier, wire transfers often use a universal routing number for Bank of America. This is an important distinction to avoid errors.
Sub-heading: Domestic Wire Transfers
For domestic wire transfers (within the U.S.), the Bank of America routing number is almost always: 026009593.
- Always double-check this with Bank of America if you are initiating a large or critical wire transfer. While this number is widely published, it's prudent to confirm for high-value transactions.
Sub-heading: International Wire Transfers (SWIFT Code)
For international wire transfers, you will not use a routing number. Instead, you'll need Bank of America's SWIFT code.
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For incoming wires in USD: BOFAUS3N
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For incoming wires in foreign currencies: BOFAUS6S
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You'll also need the recipient's full name, address, and account number. The sending bank will require Bank of America's address as well. For USD wires, it's typically: Bank of America, N.A., 222 Broadway, New York, NY 10038. For foreign currency wires, it's typically: Bank of America, N.A., 555 California St., San Francisco, CA 94104.
Step 7: Visiting a Bank of America Financial Center
If you prefer in-person assistance, a trip to a Bank of America financial center can quickly resolve your routing number query.
Sub-heading: What to Bring
- Bring a valid form of identification (driver's license, state ID, passport).
- Bring your debit card or account number to help the banker quickly locate your information.
Sub-heading: Getting Assistance
- Approach a customer service representative or a banker.
- Explain that you need to find your routing number. They will be able to look it up for you and confirm the correct one for your specific needs.
Important Note on Routing Numbers by State:
While the methods above are generally sufficient, it's good to be aware that for ACH transfers (like direct deposits and automatic bill payments), Bank of America's routing numbers can vary by the state where your account was opened. If you're ever unsure, the most accurate way to find your specific routing number for these types of transactions is through your online banking, mobile app, or by looking at a check associated with that account.
10 Related FAQ Questions
How to find my Bank of America routing number on my check?
Look at the bottom left corner of your personal check. The first set of nine digits is your routing number.
How to find my Bank of America routing number online?
Log in to your Bank of America Online Banking account, select your specific account, and navigate to the "Information & Services" or "Account Details" section.
How to find my Bank of America routing number using the mobile app?
Open the Bank of America Mobile App, log in, select the account, and look for "Account Info" or "Details." You can also ask Erica, the virtual assistant.
How to find the Bank of America routing number for wire transfers?
For domestic and international wire transfers, the universal Bank of America routing number is 026009593. Note that for international wires, you'll also need a SWIFT code (BOFAUS3N for USD, BOFAUS6S for foreign currency).
How to get the Bank of America routing number if I don't have checks?
You can find it through your online banking account, the mobile app, on your bank statements, or by calling Bank of America customer service.
How to ensure I have the correct Bank of America routing number for direct deposit?
The most reliable ways are to check your online banking, mobile app, or a personal check associated with that account, as direct deposit routing numbers are state-specific.
How to tell the difference between my routing number and account number on a check?
The routing number is the first nine digits on the bottom left of your check. Your account number is typically the second set of numbers to the right of the routing number.
How to confirm a Bank of America routing number is valid?
You can verify it by checking Bank of America's official website, calling their customer service, or comparing it to the routing number on a recent bank statement or check.
How to find Bank of America's SWIFT code for international transfers?
For international transfers, the SWIFT code for Bank of America is BOFAUS3N for USD wires and BOFAUS6S for foreign currency wires.
How to get help if I'm still having trouble finding my Bank of America routing number?
Contact Bank of America customer service directly by phone or visit a local financial center. They can assist you in verifying your identity and providing the correct routing number for your needs.