Your routing number is on your checks, online, and by phone
Your 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's routing number depends on which state your account is in — there is no single number for the whole bank. The fastest way to find it is to look at the bottom left corner of any check you have, or log into your Bank of America account online and find it in seconds.
You need this number when you set up direct deposit at work, receive a wire transfer, or arrange automatic bill payments. Having it on hand saves time and prevents delays when money needs to move between accounts.
Key Takeaways
- Bank of America routing numbers vary by state, so the number for an account in California differs from one in Texas.
- The easiest place to find your routing number is the bottom left of any check, printed as the first set of nine digits.
- You can also find it by logging into your Bank of America account online under account details, or by calling customer service.
- When you give your routing number to an employer or another bank, double-check it matches your account's state before confirming.
Finding your routing number on a check
If you have a checkbook, your routing number is printed at the bottom left of every check. It is the first group of nine digits, before your account number. The format looks like this: the routing number comes first, then your account number, then the check number on the far right.
This is the quickest method if you have checks available. You do not need to call anyone or log in — just open a check and read the nine digits.
Finding your routing number online
Log into your Bank of America account at bankofamerica.com using your username and password. Once you are signed in, look for "Account Details" or "Account Information" — the exact label varies depending on whether you are using the website or the mobile app.
Your routing number will be listed there alongside your account number. Write it down or take a screenshot so you have it when you need it. This method works even if you do not have checks or prefer not to use them.
Finding your routing number by phone
Call Bank of America customer service at 1-800-432-1000. A representative will ask you to verify your identity — usually your Social Security number and account number — and then provide your routing number over the phone.
This route takes longer than checking online or a check, but it works if you cannot access your account or do not have checks available. Have a pen ready to write down the number.
Understanding routing numbers by state
Bank of America uses different routing numbers depending on the state where your account was opened. An account opened in New York has a different routing number than one opened in Florida. This matters because you need to give the correct number for your specific account, not just any Bank of America routing number.
When you find your routing number using any of the methods above — on a check, online, or by phone — it is already the correct one for your account's state. You do not need to look up a separate list or guess which number applies to you. The number you find is the one to use.
What to do if you cannot find your routing number
If you have lost your checks, cannot log into your account, and do not want to call, you can visit a Bank of America branch in person. Bring a photo ID and ask a teller for your routing number. They can print it for you or write it down on the spot.
You can also contact Bank of America through their website's find message system if you are logged in. Send a message asking for your routing number, and a representative will respond within one business day.
Common mistakes when using your routing number
The most common error is confusing your routing number with your account number. Your account number is longer — usually 10 to 12 digits — and comes after the routing number on a check. When someone asks for your routing number, they want only the first nine digits at the bottom left of the check.
Another mistake is using an old routing number if you transferred your account or changed branches. If you switched banks or merged accounts, the routing number may have changed. Always verify your current routing number through your online account or a recent check rather than relying on a number from years ago.
Frequently Asked Questions
Is my Bank of America routing number the same as everyone else's?
No. Bank of America uses different routing numbers based on the state where your account is located. Two people with Bank of America accounts in different states will have different routing numbers, even though they bank at the same institution.
Can I use my routing number to transfer money to someone else's account?
Yes. Your routing number, combined with your account number, allows other people or organizations to send money directly to your account. This is how direct deposit works and how you receive wire transfers.
What if I give someone the wrong routing number?
The transfer will likely be rejected or delayed because the money cannot reach the correct bank. Contact the person or organization sending the money and provide the correct routing number so they can try again.
Do I need my routing number to send money out of my account?
Not usually. When you send money from your Bank of America account, the bank already knows where to send it. You need the routing number of the other person's bank if you are sending them money, but not your own routing number.
How often does my routing number change?
Your routing number stays the same as long as your account remains open at the same Bank of America branch location. It does not change when you make deposits, withdrawals, or transfers. If you close your account and open a new one, the new account may have a different routing number.