Bank of America Routing Number: State-by-State Complete List

Quick Answer

Bank of America routing numbers vary by state. The most common routing numbers are:

• California: 121000358  |  Texas: 111000025  |  Florida: 063100277
• New York: 021000322  |  Illinois: 071000505
• Domestic Wire (all states): 026009593

Scroll down for the full 50-state table with every routing number.

If you’ve ever needed to set up direct deposit, send a wire transfer, make an ACH payment, or link your Bank of America account to another app or service, you’ve run into the same question: what is my Bank of America routing number?

The answer isn’t as simple as one universal number. Bank of America — the second-largest bank in the United States — uses different routing numbers depending on the state where you originally opened your account. This is a result of decades of bank mergers and acquisitions, where BofA absorbed regional banks that each had their own routing numbers assigned by the American Bankers Association (ABA).

This guide gives you the complete, up-to-date list of Bank of America routing numbers for all 50 states and Washington D.C., explains the difference between ACH and wire routing numbers, and shows you exactly how to find and verify your routing number.

What Is a Routing Number?

A routing number — also called an ABA routing number or RTN (Routing Transit Number) — is a 9-digit code that identifies a financial institution during a transaction. Think of it as a bank’s address for electronic money movement.

You need your routing number for:

• Setting up direct deposit from your employer or government agency
• Making ACH payments (automatic bill payments, subscriptions)
• Receiving federal or state tax refunds
• Sending or receiving domestic wire transfers
• Linking your bank account to PayPal, Venmo, Zelle, or investment apps
• Writing checks (it appears on the bottom-left of every check)

A routing number is always 9 digits long. If you see fewer or more digits, you’re likely looking at your account number instead.

Important: Your routing number is tied to the state where you opened your Bank of America account – not where you currently live. If you’ve moved states, your routing number stays the same as when you opened the account.

Bank of America Routing Number by State: Full List (2026)

Use the table below to find the ACH / direct deposit routing number for your state. This is the number you’ll use for most everyday transactions including direct deposit setup, ACH payments, and linking external accounts.

Note: Always verify your routing number through official Bank of America channels before completing a transaction. You can confirm your number in the BofA mobile app, online banking portal, or by calling 1-800-432-1000.

Wire Transfer Routing Number vs. ACH Routing Number

This is one of the most important distinctions Bank of America customers need to understand. The routing number in the state table above is your ACH routing number — used for everyday transactions. Wire transfers use a completely different, universal routing number.

ACH Routing Number

Used for: Direct deposit, bill payments, linking apps (PayPal, Venmo, etc.), receiving ACH payments, tax refunds.

These are state-specific, as shown in the full table above. ACH transfers typically take 1–3 business days to process.

Domestic Wire Transfer

Routing number (all states): 026009593

Used for: Sending or receiving domestic wire transfers within the United States. This single routing number applies to every Bank of America customer in all 50 states. Domestic wires typically settle on the same business day if initiated before BofA’s 5:00 PM ET cutoff.

International Wire Transfer (SWIFT Codes)

For international transfers, you’ll need a SWIFT code instead of a routing number:

• USD transfers: BOFAUS3N
• Foreign currency transfers: BOFAUS6S

International wires can take 1–3 business days depending on the destination country and the correspondent banking network.

How to Find Your Bank of America Routing Number

You have four reliable ways to find your Bank of America routing number:

Method 1: Check Your Personal Check

The easiest way. Look at the bottom-left corner of any Bank of America check. The first set of 9 digits is your routing number. Your account number follows it, and the check number comes after that.

Method 2: BofA Mobile App

Open the Bank of America app on your phone. Tap on your checking or savings account. Then tap ‘Information & Services’ or the account details section. Your routing number will be displayed alongside your account number.

Method 3: BofA Online Banking

Log in at bankofamerica.com. Click on your checking account. Select ‘Account Details.’ Your routing number (and account number) will be displayed there.

Method 4: Call Bank of America

Call the Bank of America customer service line at 1-800-432-1000. A representative will verify your identity and provide your routing number. Lines are open Monday through Friday from 8 AM to 11 PM ET, and weekends from 8 AM to 8 PM ET.

Pro Tip: If you’re unsure which state your account is registered in, your BofA mobile app or online banking will always show the exact routing number associated with your specific account — no guesswork needed.

Frequently Asked Questions (FAQs)

Tips to Avoid Routing Number Mistakes

• Always double-check your routing number directly in the BofA app or online banking before providing it to a new employer, government agency, or financial institution.
• Use the ACH routing number for direct deposits and bill pay — never the wire transfer number.
• For wire transfers, always use 026009593 — this is the same for every BofA customer nationwide.
• Never share your account number publicly — the routing number alone is not enough to access your account, but your account number should always be kept private.
• If a transaction fails, first verify that you used the correct routing number for the correct transaction type (ACH vs. wire).

Final Thoughts

Finding your Bank of America routing number is straightforward once you know where to look and which number to use for which purpose. The state-by-state table above covers every routing number Bank of America uses for ACH and direct deposit transactions, while the wire routing number (026009593) is universal across all states.

When in doubt, always verify your routing number through the official Bank of America mobile app or by calling customer service at 1-800-432-1000. Using the wrong routing number can cause payment delays or returned transactions.

Related Articles: : Chase Bank Routing Numbers  |  Wells Fargo Routing Numbers 

Disclaimer: Routing numbers are subject to change. Always verify with Bank of America directly before completing financial transactions. This article is for informational purposes only.

About The Author

R. Ankush

Ankush specializes in global financial trends, credit strategies, and fintech. With a data-driven approach, Ankush ensures that every guide on GlobalFinmate helps readers in the USA and India manage their money smarter.

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