Your routing number is printed on the bottom left of your checks, or you can find it when ready online through your Bank of America account
Bank of America uses different routing numbers depending on which state your account is held in. The fastest way to find yours is to log into your online banking account, call the number on the back of your debit card, or look at a check if you have one. You do not need to visit a branch.
Routing numbers matter because they tell other banks and payment systems where to send money when you set up direct deposit, wire transfers, or automatic bill payments. Using the wrong routing number will delay or reject the transaction, so it is worth taking 30 seconds to confirm you have the right one for your specific account.
Key Takeaways
- Bank of America routing numbers vary by state, so the number for an account in California is different from one in New York.
- The fastest way to find your routing number is to log into your Bank of America online account and look under account details or transfer settings.
- If you have checks, the routing number is the first set of nine digits at the bottom left of the check, before your account number.
- You can also call Bank of America customer service at the number on your debit card or statement, and they will give you the routing number in under a minute.
Finding your routing number in your online account
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are logged in, go to the account you need the routing number for and look for a section labeled "Account Details," "Transfer Information," or "Account Services." The routing number will be listed there alongside your account number.
Some accounts show the routing number on the main account dashboard. Others require you to click into a specific menu. If you cannot find it in the obvious places, look for a link that says "Set up transfers" or "Wire transfer details" — routing numbers are always shown in those sections because you need them to complete those transactions.
Reading the routing number from a check
If you have a Bank of America check in front of you, look at the bottom left corner. You will see three sets of numbers separated by colons or special symbols. The first set of nine digits is your routing number. The second set is your account number. The third set is the check number.
This method works when ready if you have checks available, but remember that the routing number on your checks is specific to the state where you opened that account. If you have moved or opened a new account in a different state, the routing number may have changed.
Calling Bank of America to get your routing number
The phone number for Bank of America customer service is on the back of your debit card or on any Bank of America statement you have received. Call that number and tell the representative which account you need the routing number for. They will confirm your identity with a few security questions and give you the number when ready.
This method takes about five minutes total and is useful if you are not sure whether you are looking at the right account or if you have multiple accounts with different routing numbers. The representative can also confirm that the routing number you found elsewhere is correct before you use it for a transfer.
Understanding why Bank of America has multiple routing numbers
Bank of America operates in all 50 states and uses a different routing number for each state. This is standard practice in the banking system — the routing number tells the Federal Reserve which regional processing center should handle the transaction. A check written on a Bank of America account in Texas will have a different routing number than one written on a Bank of America account in Florida, even though both are Bank of America accounts.
This means you need to use the routing number that matches the state where your specific account is held, not just any Bank of America routing number. If you have accounts in multiple states, each one has its own routing number. The routing number is tied to the account and the branch location, not to you personally.
What to do if you cannot find your routing number
If you have tried the online account method and cannot locate the routing number, or if you do not have checks and cannot reach customer service, visit a Bank of America branch in person. Bring your ID and the account number (which appears on your debit card or statement). A teller can write down your routing number for you in under a minute.
You can also look up your routing number on the Federal Reserve's routing number database at fedwiredata.frb.org, though this requires knowing your account number and the exact branch location. For most people, calling customer service or checking online is faster.
Using your routing number safely
Your routing number is not secret information — it appears on every check you write and is visible to anyone who receives a payment from you. However, you should not share it with anyone unless you are setting up a legitimate transaction like direct deposit or a bill payment. Scammers sometimes ask for routing numbers as part of a phishing attempt, so be cautious if someone calls you asking for it unsolicited.
When you provide your routing number to set up a transfer or direct deposit, make sure you are communicating with the actual organization — not a link in an email or a phone number from a search result. Verify the website address or phone number independently before entering any banking information.
Frequently Asked Questions
Is my routing number the same for all my Bank of America accounts?
No. If you have multiple accounts at Bank of America, each account has its own routing number if the accounts are in different states. If all your accounts are in the same state, they share the same routing number. Check each account individually to be sure.
Can I use any Bank of America routing number, or does it have to match my account?
It has to match your account. Using the wrong routing number will cause the transaction to fail or be delayed. The routing number is tied to the specific account and the state where it was opened.
What if I moved to a different state — do I need a new routing number?
Only if you opened a new Bank of America account in the new state. If you kept your original account and just moved, the routing number stays the same. If you opened a new account in your new state, that account will have a different routing number.
Is my routing number printed on my debit card?
No. Your debit card shows your account number and card number, but not your routing number. You will find it on a check, in your online account, or by calling customer service.
What is the difference between a routing number and an account number?
Your routing number identifies which bank and which state your account is in. Your account number identifies your specific account within that bank. Both are needed to set up transfers or direct deposit — the routing number tells the system where to send the money, and the account number tells it which account to send it to.