Bank of America routing number

Start with the transaction, not the state. Bank of America publishes three routing numbers against every account, and only one is the same for everyone.

1. 1

   Open the Mobile app

   Accounts, pick the receiving account, then tap Account & Routing # to see both numbers.

2. 2

   Or use Online Banking

   Accounts, then the Information & Services tab, then Show full account number.

3. 3

   Read a check

   The leftmost nine digits along the bottom edge. That is the paper number, which in five regions is not the ACH number.

4. 4

   Ask the account holder

   Bank of America tells third parties to verify with the client rather than infer it from a list.

The bank’s own wording is worth repeating: routing numbers are based on the state in which the account was opened, so it may differ from where the account holder now lives. Open in Boston, move to Phoenix, and Massachusetts is still your employer’s number.

The Federal Reserve ACH directory this site indexes carries 148 routing numbers under Bank of America, N.A. The bank lists a number for every state and Washington DC, but they are not unique: 051000017 covers twelve states. Florida, Illinois, Missouri and Texas split into regions.

The leading digits are not arbitrary. Under Regulation CC the first four form the Federal Reserve routing symbol, and the first two identify the Federal Reserve District — 01 is the First District, Boston; 12 is the Twelfth, San Francisco. Hence Massachusetts opens 011 and California opens 121.

A sender inside the US needs your account number and 026009593, plus your name and address. The cutoff is 5 p.m. Eastern, and a domestic wire is typically credited the same business day.

An international wire is addressed with a SWIFT/BIC code rather than a US routing number, and Bank of America uses two, chosen by currency.

BOFAUS3N

US dollars, or unknown currency — 222 Broadway, New York, NY 10038

BOFAUS6S

Foreign currency — 555 California St., San Francisco, CA 94104

Incoming wires may cost the recipient $15 each, and an international one is typically credited in one to two business days — both as published in August 2026.

If the money already sits in another US bank account, ACH uses the electronic routing number for the account’s opening state. Bank of America says a domestic wire is typically credited the same business day and charges $30 to send one.

• Same Day ACH is capped at $1 million per payment today, and rises to $10 million on 17 September 2027.
• A wire clears the same business day when it is sent before 5 p.m. Eastern.
• An ACH sender needs the electronic number, which in five regions is not the one printed on the check.

Going the other way, the routing number stops mattering and the exchange rate starts to.

The asterisk is the whole story. Bank of America’s own footnote reads: no wire transfer fee, but exchange rate markups apply. The fee line and the cost are not the same figure.

Two more flags from the bank. Some destinations need an identifier beyond the SWIFT code — India’s IFSC, Canada’s transit code, an IBAN, Mexico’s CLABE. Bank of America says wires to Colombia, Nigeria, Panama, Somalia, Timor-Leste, Venezuela and the Palestinian Territories should be sent in US dollars.