Knowing your Bank of America, Member FDIC, routing number can save you time when you need to accomplish different banking tasks. But routing numbers can differ, depending on the state where your account was opened and the type of transaction you make. Here’s how to locate your bank routing number. 

Bank of America Routing Numbers by State

Bank of America uses two sets of routing numbers for electronic payments and paper transactions. Electronic payments include direct deposits, ACH transfers and automatic payments. Paper routing numbers appear at the bottom of checks; you can use them if you need to order new checks.

Sometimes, the electronic payment and paper routing numbers are the same, but that isn’t true for every state. Also, your routing number is dependent on the state you opened your account in. If you move to another state after opening your account, your routing number won’t change.

While the chart above lists the electronic payment and paper routing numbers, you can confirm which applies to you by logging in to your Bank of America account online or via the bank’s mobile app.

Bank of America Routing Numbers for Wire Transfers

A wire transfer is one of the fastest ways to transfer money to someone. The money is moved from one bank to another electronically, and you don’t need a check to complete the transaction. If you’re moving money abroad, you’re making an international transfer, and you might need to consider exchange rates when you complete the transaction.

The routing number on a check differs from the one you use for wire transfers. Make sure you use the correct number so the funds will be credited correctly. Bank of America uses the same wire transfer routing number for all 50 states and Washington, D.C.

If you need to receive an international wire transfer, the sender may ask for your SWIFT code. A SWIFT code is a unique identifier that some banks and other entities use for international wire transfers. Bank of America has two SWIFT codes, and you’ll select the appropriate one depending on the money transfer currency. 

Bank of America’s wire transfer routing number and SWIFT codes are in the table below.

What Is a Routing Number?

A bank routing number consists of nine digits identifying a financial institution in a transaction. The first four numbers are the Federal Reserve routing symbol, the following four are the ABA institution identifier, and the last is the check digit.

Banks Can Have Multiple Routing Numbers

Keep in mind that your check routing number will depend on where you opened your Bank of America account. Bank of America has branches in most U.S. states and each state has its own routing number, which makes processing easier and helps the bank manage accounts better.

For instance, Texas, Missouri, Illinois and Florida each have more than one routing number, so you should contact the bank or log in to your online account to find the correct number for your account. You can also use the chart above to find your Bank of America routing number. If you’re even just one number off, your funds might go to the wrong place.

How To Find Your Bank of America Routing Number on a Check

If you have a Bank of America checking account, you can also find your routing number on a check — the check routing number is the first nine numbers in the lower left corner.

You might not have a check handy, however, so you can also call Bank of America at 800-432-1000 to find the routing number for your account.

How To Find Your Bank of America Routing Number Online

You can find your Bank of America routing number by logging in to your account through the Bank of America website or mobile app.

To find your routing number through the Bank of America website, follow these steps:

1. Sign in to Bank of America’s online banking platform using your username and password.
2. Once logged in, click on the Accounts tab. Next, select your checking or savings account.
3. Select the Information and Services tab.
4. Select “Show Account number.”
5. Your bank account number and routing numbers will be displayed.

If you’d prefer to use the mobile app to locate your routing number, follow these steps:

1. Log in to the Bank of America mobile banking app using your username and password.
2. Select the checking or savings account you need routing information for.
3. Scroll to the bottom of your account details until you see “Account Info.” Select “View” for your account and routing numbers.

How Is Your Bank Routing Number Used?

If you have a Bank of America account, you might need to know your bank routing number for various reasons. Here are some of the most common ones:

• Making online or phone payments
• Setting up automatic bill payments
• Receiving direct deposit for payroll or Social Security benefits
• Transferring money

Does Bank of America Use IBANs?

Some international financial institutions use an IBAN, or international bank account number, as an identifier for wire transfers. IBANs can extend up to 34 alphabetic and numeric characters, depending on the location of the financial institution. However, the U.S. does not participate in the IBAN system, so Bank of America does not have IBANs.

However, if you send money internationally from your Bank of America account, your recipient may have an IBAN. If they do, you must include the IBAN in the details you provide Bank of America to facilitate the transfer. Your recipient can give you their IBAN, or you can contact the financial institution directly to obtain it.

Final Take

There are many reasons why you may need your Bank of America routing number, including making ACH payments and receiving direct deposits from your employer. Remember to select the appropriate routing number for your transaction, as Bank of America uses different routing numbers for various purposes. Routing numbers also differ from state to state.

Before providing a routing number to an employer, government agency or other entity, it’s a good idea to confirm its accuracy by logging in to your Bank of America account. That way, you’ll avoid any mistakes that could derail your transaction. 

Cynthia Measom contributed to the reporting for this article.

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