Your routing number is on the bottom left of your checks, or you can find it online in seconds
Your routing number is a nine-digit code that tells other banks which Bank of America branch handles your account. You need it when you set up direct deposit, arrange a wire transfer, or have someone send you money electronically. Bank of America has different routing numbers depending on which state your account is based in, so the number matters — using the wrong one can delay a payment by days.
The fastest way to find it is to log into your Bank of America account online or through the mobile app and look at your account details. If you have checks, the routing number is always printed on the bottom left, before your account number. You can also call Bank of America at 1-800-432-1000 and ask — they will give you the number in under a minute.
Key Takeaways
- Your routing number appears on the bottom left of any Bank of America check, before your account number.
- Bank of America routing numbers vary by state, so confirm you have the correct one for where your account is registered.
- You can find your routing number by logging into your online account, checking your checks, or calling 1-800-432-1000.
- The routing number is different from your account number — you need both for electronic transfers.
Finding it in your online account
Log into your Bank of America account at bankofamerica.com or open the mobile app. Go to the account you need the routing number for — if you have multiple accounts, each one may have the same routing number, but it is worth checking.
Look for a section called "Account Details," "Account Information," or "Routing Number." The exact label varies depending on whether you are on desktop or mobile, but it is usually near the top of the account summary. The routing number will be displayed as a nine-digit code. Write it down or take a screenshot so you have it when you need it.
Reading the routing number from a check
If you have a Bank of America check in front of you, look at the bottom of the check. You will see three groups of numbers printed in a special magnetic ink. The first group on the left is your routing number. It is always nine digits.
The second group is your account number, which is longer and unique to you. The third group on the right is the check number. Make sure you are copying the first group — the routing number — not the account number or check number. If the printing is faded or hard to read, use your online account instead.
Calling Bank of America directly
Call 1-800-432-1000 and tell the representative you need your routing number. Have your account number or the phone number associated with your account ready. They will confirm which account you are asking about and give you the nine-digit routing number.
This method works if you do not have checks and cannot access your online account. The call usually takes less than five minutes. Bank of America customer service is available 24 hours a day, seven days a week.
Why routing numbers differ by state
Bank of America operates in multiple states, and the Federal Reserve assigns different routing numbers to different regions. Your routing number corresponds to the state where your account was opened or is primarily managed. If you opened your account in California, your routing number will be different from someone who opened theirs in New York.
This is why it matters to use the correct routing number — if you give someone the wrong one, the money may go to a Bank of America branch in a different state, and the transfer will be rejected or delayed while the bank figures out where it should actually go. Always double-check that the routing number matches the state where your account is based.
The difference between routing number and account number
Your routing number identifies your bank and the branch location. Your account number identifies you specifically within that bank. When you set up direct deposit or a wire transfer, you need both numbers — the routing number tells the sending bank which Bank of America location to send the money to, and the account number tells that location which of its customers should receive it.
On a check, the routing number comes first on the bottom left, followed by your account number. When someone asks for your "banking information," they are asking for both numbers. Never give out your account number to someone you do not trust, but the routing number is safe to share — it is public information that identifies only your bank, not your specific account.
What to do if you cannot find your routing number
If you do not have checks, cannot access your online account, and cannot call, you can visit a Bank of America branch in person with your ID. A teller can print your routing number for you in seconds. You can also look up Bank of America routing numbers by state on the Federal Reserve's website, though calling the bank directly is faster and more reliable.
If you are setting up direct deposit for your employer and you are stuck, ask your HR or payroll department — many employers have a list of common routing numbers on file, or they can walk you through finding it. Do not guess or use a routing number you are not sure about, because a wrong number will cause the deposit to fail.
Frequently Asked Questions
Is my routing number the same for checking and savings accounts?
Usually yes — if both accounts are at the same Bank of America branch, they share the same routing number. However, if you have accounts at different branches or in different states, the routing numbers may differ. Check your online account or a check to be certain, especially if you have moved or have accounts in multiple locations.
Can I use the same routing number for wire transfers and direct deposit?
Yes. The routing number works for any electronic transfer into your Bank of America account — direct deposit, wire transfers, ACH transfers, or payments from other banks. The routing number itself does not change based on the type of transfer.
What happens if I give someone the wrong routing number?
The transfer will usually be rejected and returned to the sender within a few business days. If the wrong routing number happens to match a real Bank of America branch, the money may arrive at that branch first, then be rejected when the account number does not match. Either way, the sender will be notified and can try again with the correct number.
Do I need my routing number to withdraw money from an ATM?
No. You only need your debit card and PIN to use an ATM. The routing number is only for electronic transfers between banks or for setting up direct deposit. ATM withdrawals happen within the Bank of America system and do not require it.
Is it safe to share my routing number?
Yes. Your routing number is public information — it identifies only your bank and branch, not your specific account. You need to share it when you set up direct deposit or receive wire transfers. Never share your account number or PIN, but the routing number alone cannot be used to access your money.