Bank of America Routing Number (2024)

Find your Bank of America routing number and learn about money transfers in our guide.

PRO TIP: Are you trying to send money internationally? The quickest and cheapest way to send money internationally is to use a money transfer service, such as Wise, Remitly or Xe.

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 or send 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
  
• Wire transfers

Bank of America has branches throughout the United States and uses different routing numbers for different states and regions.

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:^[1]

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 Info 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 recipient's name and home address as on file
  with their bank
  
• Recipient's account number and account type
  
• 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:^[2]

• 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:

• The recipient's country, currency, name, and home address as on file with their bank
  
• Recipient bank name and address
  
• 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

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

Setting Up Your Account for Wire Transfers

To be eligible for higher transaction limits, you'll need to add Secured Transfer to receive a one-time passcode on your mobile. If you don't have access to a U.S. mobile number, you can sign in to your online banking account with a USB security key for secure transactions.

Here are the steps to set up your account:

1. Sign into online banking portal
   
2. Hover over Transfer | Zelle tab
   
3. Select Transfer and To/from other banks (includes wires)
   
4. Select I agree in the Service Agreement
   
5. If this is a new recipient, click Add account/recipient
   
6. Enter the required information
   
7. Select Make Transfer and folow the onscreen instructions to send a wire

Bank of America Wire Transfer Fees^[3]
Incoming domestic wire: $15
Incoming international wire: $15
Outbound domestic wire: $30
Outbound international wire sent in foreign currency: $0
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.

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.

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