Your routing number is on your checks, online, and by phone
Your Bank of America routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit. Bank of America uses different routing numbers depending on which state your account was opened in, so the number you need depends on where your branch is located, not where you live now.
You can find it three ways: look at the bottom left of any check you have, log into your Bank of America account online or in the app, or call Bank of America directly. Each method takes less than a minute. If you need the number right now and do not have checks or online access, the phone method is fastest.
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 you need the one for the state where your account was opened.
- You can find your routing number by logging into your online account, checking the app, or calling 1-800-432-1000.
- If you do not have checks or online access, Bank of America customer service can tell you your routing number over the phone in seconds.
Finding your routing number on a check
Look at the bottom left corner of any check. You will see three groups of numbers. The first group of nine digits is your routing number. The second group is your account number. The third is the check number.
The routing number always comes first and is always nine digits. If you have not written any checks yet or cannot find one, move to the next method. This is the simplest way if you have a check available, since you do not need to log in or make a phone call.
Finding your routing number online or in the app
Log into your Bank of America account at bankofamerica.com or open the Bank of America mobile app. Go to your account details or account information section — the exact location varies slightly between the website and app, but it is usually labeled "Account Details" or "Account Information."
Your routing number will be listed there alongside your account number. You can also take a screenshot or write it down for future use. This method works whether you have checks or not, and you can do it from anywhere you have internet access.
Calling Bank of America to get your routing number
Call Bank of America at 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. The representative will confirm your identity and give you the number when ready.
This is the fastest option if you do not have online access or checks available. Wait times vary depending on the time of day, but you should reach someone within a few minutes during business hours. Bank of America customer service is available Monday through Friday during standard business hours and limited hours on weekends.
Why Bank of America has different routing numbers by state
Bank of America merged with or acquired banks in different states over many years. When those mergers happened, the routing numbers from the original banks were kept in place. Your routing number reflects the state where your account was originally opened, not where you live or bank now.
This means two Bank of America customers in the same city might have different routing numbers if their accounts were opened in different states. Always use the routing number for your specific account, not a general Bank of America number. The routing number is tied to your account's history, not to your current location.
Common routing numbers by state
| State | Routing Number |
|---|---|
| California | 121000248 |
| Florida | 061000052 |
| Illinois | 071000013 |
| New York | 021000021 |
| Texas | 111000025 |
This table shows the most common routing numbers, but Bank of America uses additional numbers in other states and for certain account types. If your state is not listed or you are unsure, use one of the three methods above to find your exact routing number rather than guessing.
Do not assume your routing number matches the table just because your account was opened in that state. The only way to be certain is to check your checks, your online account, or call the bank directly.
What to do with your routing number once you have it
You will need your routing number when you set up direct deposit for paychecks, arrange automatic bill payments, or receive a wire transfer from another bank. Keep it in a safe place — it is not sensitive information like a password, but having it handy saves time when you need it.
If you are setting up direct deposit with your employer, they will ask for both your routing number and your account number. If you are receiving a transfer from someone else, give them both numbers as well. Never share your full account number with people you do not trust, but the routing number alone cannot be used to access your account.
Frequently Asked Questions
Do I need a different routing number for checking and savings accounts?
No. Both your checking and savings accounts at Bank of America use the same routing number. The routing number identifies the bank and the location where your account was opened, not the type of account.
What if I have an old Bank of America check from years ago with a different routing number?
Old checks may show a different routing number if your account was transferred during a merger or if the bank reorganized its routing structure. Use the current routing number from your online account or a recent check instead. The old number may not work for new transfers.
Can I use someone else's Bank of America routing number if we both bank there?
No. You must use the routing number for your specific account. Even though you both use Bank of America, your accounts may have different routing numbers depending on which state each account was opened in. Using the wrong number will cause the transfer to fail or go to the wrong account.
Is my routing number the same as my bank's main routing number?
Not necessarily. Bank of America publishes a main routing number, but your account may use a different one based on where it was opened. Always use the routing number listed on your checks or in your account details, not a general number from the Bank of America website.