How to Find your Bank of America Routing Number

Bank of America routing number ordered by state:

The routing numbers are tied to the state you opened your Bank of America account. If you’re not sure where you opened your account, don’t worry, there’s another method you can use to find your routing number below.

If you’re trying to do a domestic or international wire transfer then there is a different set of numbers that will be used. 

With some Bank of America routing numbers, it's not immediately clear which one you should be using.

For example, Texas has two routing numbers that cover the southern areas. In cases like this, use the methods outlined below. 

Bank of America Routing numbers for wire transfers

What is a routing number?

A routing number is a type of code that banks and other financial institutions use to identify themselves. The routing number itself has multiple parts that give the receiving institution all the information it needs.

For example, the first four digits in the routing number coincide with one of the 12 Federal Reserve banks. The routing numbers are used by both the Federal Reserve and individual banks for various reasons such as Fedwire funds transfers and ACH transactions.

The ACH network is dependent on the routing numbers for things like direct deposits and automatic bill payments.

What are routing numbers usually used for?

The above routing numbers can be used for myriad reasons. You may need to set up recurring payments, make payments over the phone, process a check, or even perform ACH transactions.

If you don’t have the right Bank of America routing number, your transaction will fail and be sent back to you. It may even incur extra transaction fees for this process.

Using your checkbook to find your Bank of America routing number

If, for some reason, you’re not sure what your routing number is based on the chart above, there’s an alternative method. It requires your personal checkbook so if you don’t have it then you may need to call your bank to find out the routing number tied to your account.

Open your checkbook and look at any check that’s still attached. Along the bottom, you’ll multiple groups of numbers like in the image below.

Along the bottom left, you’ll see multiple groups of numbers. The first nine digits are your Bank of America routing number. As mentioned earlier, it’ll depend on which state you opened your account.

Bank of America has branches in almost every state and some states have more than one routing number. In a case like that, looking at your personal checkbook or calling the bank is the best way to be sure you have the right routing number.

Bank of America's extensive presence echoes across the American landscape, with branches in almost every state serving as financial pillars for diverse communities.

The magnitude of this reach is evidenced by the fact that certain states boast multiple routing numbers, adding to the complexity of this vast network. When confronted with such intricacies, seeking assurance in your routing number becomes paramount.

In this pursuit, referencing your personal checkbook or reaching out to the bank directly emerges as the most reliable path, ensuring that your financial transactions remain seamlessly aligned with the bank's widespread operations.

How to find your Bank of America routing number online?

There are multiple ways to access your bank of America routing number online. We’ve compiled a list so this is one method. You can also look up the routing number via the official Fedwire website. The challenge with both of these methods is that you need to know what state you opened your account.

You can also use the Bank of America online banking portal to determine what your routing number is. If you’re able to request a statement then that will also have your routing number.

Which bank of America routing number should you use?

As mentioned before, this is determined by the state you opened your account. Even if you’re living in a different state now, the routing number won’t change because of it. Check the list above or on your checkbook to find the right routing number based on your state.

Conclusion

Whether you’re looking for it due to business reasons or personal reasons, a routing number is important. This short guide has shown you multiple ways to get a hold of your Bank of America routing number online and offline.

Happy sending/receiving.