Ready to conquer that online form, set up a direct deposit, or finally get that wire transfer going? You're in the right place! Finding your Bank of America routing number on their website is a common task, and while it might seem a little daunting at first, I'm here to guide you through it step-by-step with all the clarity you need.
A routing number is a 9-digit code used to identify financial institutions in a transaction. It ensures your money goes to the correct bank when you're sending or receiving funds. Think of it as the bank's address for electronic transactions!
Let's dive in and get you that number!
How to Find Your Bank of America Routing Number on Their Website
There are a few reliable ways to locate your Bank of America routing number directly on their online platforms. The best method often depends on why you need the routing number. Is it for a domestic transfer, a wire transfer, or just general account information? We'll cover all the bases.
Step 1: Log In to Bank of America Online Banking
Ready to find that number? The most direct and secure way to find your Bank of America routing number is by logging into your online banking account. If you haven't set up online banking yet, now is a great time to do so! It offers unparalleled convenience for managing your finances.
Sub-step 1.1: Access the Bank of America Website
Open your preferred web browser (Chrome, Firefox, Safari, Edge, etc.) and go to the official Bank of America website. The URL is typically bankofamerica.com. Always double-check the URL to ensure you're on the legitimate site for security reasons.
Sub-step 1.2: Enter Your Login Credentials
Locate the "Log In" section, usually prominently displayed on the homepage. Enter your Online ID and Passcode. If you use a security key or multi-factor authentication, be prepared to complete that step as well.
Step 2: Navigate to Your Account Details
Once you're logged in, you'll be on your personalized dashboard, which usually displays a summary of your accounts.
Sub-step 2.1: Select the Relevant Account
Click on the specific account for which you need the routing number. This could be your checking account, savings account, or money market account. The routing number can sometimes vary depending on the account type and where the account was opened.
Sub-step 2.2: Locate Account Information or Services
After selecting your account, look for a tab or link labeled something like "Account Information", "Account Details", "Information & Services", or "Statements & Documents". The exact wording may vary slightly.
Sub-step 2.3: Find Your Routing Number Displayed
Within the account details, you should see your routing number clearly listed. It's usually a 9-digit number. Bank of America often displays it alongside your full account number. Look for a section titled "Account & Routing #" or similar.
Pro Tip: For some transactions, like wire transfers, Bank of America uses a universal routing number, which might be different from your state-specific routing number for ACH transfers or direct deposits. Always confirm the type of routing number needed for your specific transaction.
Step 3: Finding Routing Numbers for Specific Transaction Types
Sometimes, the routing number you need depends on how you're sending or receiving money. Bank of America has different routing numbers for certain types of transactions.
Sub-step 3.1: For Domestic ACH Transfers (Direct Deposits, Bill Pay)
For most common electronic transactions like setting up direct deposit for your paycheck, automatic bill payments, or other ACH (Automated Clearing House) transfers, you'll use the routing number associated with the state where you opened your account.
- Check the Bank of America Website's Public Resources: Bank of America provides a list of routing numbers by state on their public website, often in their FAQ or Help Center. You can usually find this by searching "Bank of America routing numbers by state" on Google or directly on their website.
- Refer to Your Bank Statement: Your monthly or quarterly bank statement (either paper or electronic) will typically have the routing number printed on it. This is a reliable source as it's specific to your account.
Sub-step 3.2: For Wire Transfers (Domestic and International)
Wire transfers are a different beast! Bank of America uses a specific routing number for these, and for international wires, you'll also need a SWIFT code.
- Domestic Wire Transfers: The universal Bank of America routing number for domestic wire transfers is 026009593. This number is generally consistent across all states for wire transfers.
- International Wire Transfers (SWIFT Code): For incoming international wire transfers, you'll need a SWIFT/BIC code in addition to your account number and the bank's name and address.
- For wires received in U.S. Dollars (USD): The SWIFT Code is BOFAUS3N.
- For wires received in foreign currency (non-USD): The SWIFT Code is BOFAUS6S.
- The address for wire transfers is typically: Bank of America N.A., 222 Broadway, New York, NY 10038 (for USD) or Bank of America N.A., 555 California St., San Francisco, CA 94104 (for foreign currency). Always verify this with the sender as well.
Step 4: Verify Your Routing Number
This is a crucial step to avoid any issues! Even after finding the number, it's always a good idea to double-check.
Sub-step 4.1: Cross-Reference with Another Source
Compare the routing number you found online with another reliable source, such as:
- A Physical Check: If you have a Bank of America check, the routing number is the first set of nine numbers printed at the bottom-left corner.
- Your Bank Statement: As mentioned earlier, your statement will have it.
- Bank of America's Official FAQ/Help Pages: Search for "routing number" on the Bank of America website's help section.
Sub-step 4.2: Contact Bank of America Customer Service
If you are still unsure or need absolute confirmation, the best course of action is to call Bank of America customer service directly. They can provide you with the correct routing number for your specific account and transaction type.
- You can usually find their customer service number on their website under "Contact Us" or by calling the number on the back of your debit card.
Remember: Incorrect routing numbers can lead to delayed or lost payments, so accuracy is key!
10 Related FAQ Questions
How to find routing number on a Bank of America check?
The routing number is the first nine digits located at the bottom-left corner of your Bank of America check, preceding your account number.
How to find routing number on Bank of America mobile app?
Log in to the Bank of America mobile app, select the desired account, and then look for "Account & Routing #" or "Account Details" to display the routing number.
How to find Bank of America routing number for direct deposit?
For direct deposits, log in to your online banking, select your account, and the routing number displayed in your account details will typically be the correct one. It's usually state-specific.
How to find Bank of America routing number for wire transfers?
The universal routing number for domestic wire transfers with Bank of America is 026009593. For international wires, you'll also need a SWIFT code (BOFAUS3N for USD, BOFAUS6S for foreign currency).
How to find Bank of America ACH routing number?
Your state-specific routing number, found in your online banking account details or on your check, is typically the correct ACH routing number for electronic payments like direct deposits and bill pay.
How to verify a Bank of America routing number?
You can verify it by comparing it to your physical checks, bank statements, or by calling Bank of America customer service directly.
How to find different Bank of America routing numbers by state?
Bank of America lists state-specific routing numbers on their official website, usually in their FAQ or help sections. You can search for "Bank of America routing numbers by state" to find this list.
How to get Bank of America routing number without logging in?
You can find the general routing number for your state by checking Bank of America's public website (FAQ/Help section) or by looking at a physical check or bank statement. However, logging in is the most secure way to confirm the exact one for your account.
How to find SWIFT code for Bank of America?
The SWIFT code for Bank of America for incoming USD international wires is BOFAUS3N, and for foreign currency wires, it's BOFAUS6S.
How to know which Bank of America routing number to use?
The routing number you use depends on the type of transaction (ACH vs. wire transfer) and where you opened your account (for ACH/direct deposits). Always confirm with the recipient or the bank if unsure.
