Bank of America is one of the most popular, widespread banks in the nation. They have great customer service, a convenient mobile banking app, and plenty of available resources to help you out.
In the past few years, Bank of America has acquired other banks and expanded across the country. They now have over 4,600 branches and 16,000 ATMs, which is super convenient if you bank with them – until you need to find your ABA routing number, that is.
This article will walk you through the easiest ways to find your Bank of America routing number, as well as what a routing number does and why you need to know it.
What is a routing number?
A routing number, or ABA routing transit number (you might also see it labeled as “RTN”) is a 9-digit code unique to the branch where you opened your bank account. This code is what tells other banks where a digital transfer needs to take place.
It’s important to note that your routing number is not the same thing as your account number. An account number at Bank of America (or any other bank) identifies your specific account and should be kept private to avoid theft.
A routing number, on the other hand, is only used for making transfers and doesn’t refer to your personal bank account.
Why do you need to know it?
These days, there are countless ways to transfer money and pay bills. Apps and mobile banking make most daily transactions super easy.
However, if you want to set up a direct deposit connection or make a one-time transfer, you will need to know your routing number. Once you find your number, I recommend writing it down and keeping it somewhere safe. That way, you’re prepared next time you need to transfer funds.
Finding your Bank of America routing number by state
Remember, your routing number is based on the location where you opened your account, not where you live now. So, if you know where you originally opened your Bank of America account, you can find your routing number by state.
Because Bank of America has undergone so many expansions and acquisitions, their state-based routing numbers are a little more complicated than some other banks. Some states are broken up into multiple regions.
Check this chart to find your routing number based on the location where you opened your account.
|Branch Location||ABA Routing Number|
|Illinois, Chicago Metro||081904808|
|Missouri East/St. Louis||081000032|
|Missouri West/Kansas City||081000032|
As you can see, this is a very long list – it goes to show how huge Bank of America really is.
If you can’t find your location on this chart, or if you aren’t sure which region you opened your bank account in, don’t stress. There are other easy ways to locate your ABA routing number.
Finding your routing number on your check
The next quick method of finding your Bank of America routing number is to take a look at your checkbook.
Every check has your routing and account number printed on the bottom to complete a transaction. If you look at the bottom left-hand corner of your check, you’ll see the two codes separated by a symbol that looks a little like a semicolon.
In most cases, the routing number is printed on the left-hand side, followed by the account number. If you want to make sure you have the right code, just count the digits – a routing number is always 9 digits long.
Don’t have a checkbook? No worries – many people today use mobile banking instead of traditional checks. You’ll still be able to find your Bank of America routing number online or contact your bank.
Find your routing number in your online account
If you use online banking, you can quickly find your routing number just by logging onto your account.
After you log in, click on the account in question (checking, savings, etc.) to open it. You will see multiple tabs at the top for managing the account and making transfers. Click on “Information & Services” on the far-right side.
There, you will see two routing numbers: one for paper and electronic transfers, and one for wire transfers. The “paper and electronic” option is your ABA routing number.
Contact your bank to find your routing number
Finally, the simplest way to find your Bank of America routing number is to call or visit your bank.
You can reach Bank of America’s customer service by calling this number: 1 (800) 432-1000. They will ask you a few basic questions to determine your routing number.
Alternatively, you could walk into your local Bank of America branch and ask a teller about your routing number. They’ll check your account to see where you originally opened it and let you know!
Routing numbers for wire transfers
Need to make a wire transfer?
The ABA routing number based on your branch location won’t work. Wire transfers require a different code for domestic and international transactions.
Fortunately, you don’t need to go through any serious effort to find your routing number for wire transfers. They’re the same for all Bank of America customers.
Here are the codes you might need:
- For domestic wire transfers: 26009593
- For international wire transfers in US dollars: BOFAUS3N
- For international wire transfers in another currency: BOFAUS6S
International wire transfer codes are also referred to as a SWIFT/BIC code. If you aren’t sure whether you need to transfer money in dollars or a foreign currency, it’s safest to go with the first SWIFT/BIC mentioned above: BOFAUS3N.
For receiving a wire transfer
If you need to receive a wire transfer from someone else (either domestic or international), you will need to know some basic information to set up the connection.
The form or questionnaire required to receive a wire transfer might look a little confusing at first, but it’s actually pretty simple. Here’s what you need to know:
- Bank name: Bank of America, NA
- Bank address: 222 Broadway, New York, New York 10038 (this is the same for all Bank of America customers, no matter where your personal account was opened).
- BNF/Field 4200 / beneficiary acct. #: Your personal account number, including zeros
- Beneficiary name and address: Your name and address, exactly as it appears on your bank statement.
If you are receiving an international wire transfer from an account in a foreign currency (any currency other than US dollars) you will need to use a different bank address.
That address is: 555 California St, San Francisco, CA 94104.
Wire transfers are a fast, efficient way to transfer a large amount of money across the country or overseas. You never know when you might need to send or receive one – so write this information down and keep it handy!
Remember your routing number
Now that you know how to find your Bank of America routing number, I recommend writing it down and storing it somewhere safe – even in your notes app! You never know when you might need to use it.
Whether you’re paying rent, setting up direct deposit, or sending money to a friend, you need to know your Bank of America routing number. Save yourself the stress later on by learning it now!
How To Find Your Routing Number: