How to Find Your Bank of America Routing Number

When I moved from Pittsburgh to Baltimore, I needed a new bank account and settled on Bank of America. With a massive geographic footprint as one of the largest banks in the nation, a branch or ATM was always around the corner.

That’s because, over the years, Bank of America has expanded their locations as a result of acquiring other banks and now boasts over 4,600 branches and an ATM network of nearly 16,000. It’s huge and ubiquitous.

It also means that it has a huge list of ABA routing numbers – which can get tricky if you need to know your number and don’t have a check handy.

So, if you’re looking for your Bank of America routing number, we can help you find it using one of three easy ways:

  • Look up your routing number by state (you can do this below)
  • Show you how to find your routing number on your personal checks, if you have one nearby
  • Call Bank of America customer service and ask them for your routing number

💰 BMO Bank – $600

BMO Bank has a generous offer – get up to $600 when you open a new checking account and set up direct deposits that meet their requirements. Depending on the size of your direct deposit, you can make quite a tidy sum for not too much trouble.

Learn more about this offer

Table of Contents
  1. Bank of America Routing Number by State
  2. Finding the Routing Number on Your Check
  3. Contact Bank of America for Your Number
  4. Different Routing Number for Wire Transfers

Bank of America Routing Number by State

Your Bank of America ABA routing number will be based on the state in which you opened your account, not where you live now.

Bank of America LocationRouting/Transit Number
Florida, East063100277
Florida, West063100277
Illinois, South081904808
Illinois, North071000505
Illinois, Chicago Metro081904808
Missouri East/St. Louis081000032
Missouri West/Kansas City081000032
Bank of America LocationRouting/Transit Number
New Hampshire011400495
New Jersey021200339
New Mexico107000327
New York021000322
North Carolina053000196
North Dakota051000017
Rhode Island011500010
South Carolina053904483
South Dakota051000017
Texas, North111000025
Texas, South113000023
Texas, South111000025
Washington, D.C.054001204
West Virginia051000017

It gets a little messy for those states in which you have to figure out where in the state you live – where’s the line for north Texas vs. south Texas? And which south Texas are you? That’s why we have backup ways to find this.

Finding the Routing Number on Your Check

This is, by far, the easiest way to find your number but it requires a personal check. If you don’t have one, you’ll have to call Bank of America.

Once you have your personal check, the number is printed on it directly. Your checks contain a tremendous amount of important banking information, which is why you need to keep them secure, and here’s an example of one:

The numbers at the bottom are your account number and the bank’s ABA routing number. The nine-digit number highlighted in red is the ABA routing number. The other one, which we highlighted in green, is your account number. Sometimes the order of the numbers are switched but your ABA routing number is always a nine-digit number. If you’re unsure, you can use American Bankers Association Routing Number lookup tool to confirm or check it against the above list.

Contact Bank of America for Your Number

There are three ways you can “ask” Bank of America. You can call them at 844-375-7028, go through the verification process, and then ask.

Next, you can review their FAQ on their website and update your ZIP code to show your ABA routing number. Remember, it is the zip code where you opened your account, not where you live right now.

Finally, you can log into your account to find it. If you are using the website, sign in and go to the Information and Services tab. If you are using their mobile app, get to your account details and scroll down. You will see it under the Account Info section.

Different Routing Number for Wire Transfers

The ABA routing numbers are useful only for ACH transfers. If you are receiving a wire transfer, then the code will be different – fortunately, it’s a simpler system with one number for domestic wire transfers and one for international wire transfers.

Wire transfers are “better” than an ACH transfer because they’re faster by a few days – they’re also more expensive. An ACH transfer is free whereas incoming and outgoing wire transfers may cost a fee. The fee varies based on the type of account you have with Bank of America.

  • Domestic wire transfer (Wire Routing Transit Number) – 26009593
  • International wire transfer (SWIFT/BIC Code) in U.S. Dollars – BOFAUS3N
  • International wire transfer (SWIFT/BIC Code) in Foreign Currency – BOFAUS6S

For international wire transfers, if you are unsure if it’s in U.S. Dollars or foreign currency, use BOFAUS3N.

If you’re receiving a wire transfer, here’s the other information you may need to provide:
For U.S. Dollars (or if you aren’t sure):

Bank NameBank of America, NA
Bank Address222 Broadway
New York, New York 10038
(regardless of where your account is located)
BNF/Field 4200
Beneficiary acct. #
Your complete Bank of America account number
including leading zeros
account name
and address
The name and address of your account as it
appears on your statement

For foreign currency:

Bank NameBank of America, NA
Bank Address555 California St
San Francisco, CA 94104
(regardless of where your account is located)
BNF/Field 4200
Beneficiary acct. #
Your complete Bank of America account number
including leading zeros
account name
and address
The name and address of your account as it
appears on your statement

There you have it – an easy way to find the ABA routing number (and the SWIFT code) for Bank of America!

Other Posts You May Enjoy:

How Much Is Costco Gas Near Me Today?

Are you a Costco member and love their gas? Did you ever want to know what the prices are without having to swing by the warehouse? There are plenty of ways to find out!

Gold City Ventures Review: Is it Worth It?

Online courses can be tempting, but too many of them end up not being worth the money you spend. On the flip side, some courses deliver incredible value. Find out if that's the case with Gold City Venture's E-Printables course for selling on Etsy. Learn more.

Vanguard Cash Plus Account Review 2023

The Vanguard Cash Plus Account is Vanguard's cash management account, but is it worth getting? We take a closer look at its offering and compare it to other brokers and cash sweep options.

17 Ways to Lower Your Electric Bill

Year after year, the cost of heating homes in America gets more expensive. But while reducing energy consumption is good for the environment, finding ways to lower your electric bill can also save a lot of money in the long run. With that in mind, here are 17 energy-saving tips for around the home.

About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

As Seen In: