Bank of America Routing Numbers in the US (Complete 2025 Edition)
Bank of America routing number details can be confusing for business owners, freelancers, or finance teams who need quick, accurate financial transactions. Whether you’re processing payroll or scheduling vendor payments, having the right information on routing numbers can save time and prevent frustrating errors. If you’ve already checked out other major banks’ routing info—like Chase Routing Numbers in the US (Update & How to Find Them)—keep reading for the all-in-one 2025 guide to Bank of America’s routing numbers.
Why Bank of America Routing Numbers Matter
A routing number is a nine-digit code that identifies financial institutions during transfers or check processing. For Bank of America (BoA), a single mistake—like choosing the wrong state code—could lead to delayed or even returned payments. In 2024 alone, the bank processed over 1 billion transactions using its routing numbers, with 60% of them being electronic. This massive volume demonstrates the importance BoA routing numbers have on both personal and business transactions.
Beyond everyday deposits or ACH transfers, routing numbers are also critical for more specialized processes, such as direct deposits for payroll or scheduling automated bill payments. Proper usage means smoother settlement times, while incorrect data can cause backlogs. If you’ve ever looked at Truist Routing Numbers in the US (Comprehensive Guide) for reference, you’ll notice each major bank maintains multiple routing numbers to handle unique regional or transaction-specific needs.
Key Differences for Domestic and International Wire Transfers
Bank of America devotes a universal routing number (026009593) for wire transfers—domestic or international. This standard approach reduces confusion and speeds up wire processing times. However, for cross-border transfers, you also need the correct SWIFT code:
BOFAUS3N for incoming wires in USD
BOFAUS6S for incoming wires in foreign currencies
While domestic wires rely on simple sets of information—account number and the wire routing code—international wires can require more details like the recipient’s address, a currency declaration, or an intermediary bank. If you want an overview of how wire transfers compare to other methods, you can explore Differences Between Wire Transfers and Money Transfers.
Timing and Fees
Domestic transfers typically settle within the same business day if you initiate them before the bank’s cut-off time (often around 5 p.m. ET). International wires, however, can take 1–3 business days, depending on the recipient’s location and banking framework. Your routing number, along with the SWIFT code (if needed), stands at the center of these timelines. Using an outdated or incorrect code may extend processing times by days or even weeks.
Finding Your Bank of America Routing Number
Although Bank of America publishes a list of routing numbers by state, there are several quick ways you can find or confirm yours:
On Your Check: Look at the bottom left corner of your check. The routing number is the first set of nine digits.
Online Banking: After logging in, head to your account details. You’ll see the routing number specific to the state where your account was opened.
Bank of America Mobile App: As of 2025, over 70% of Bank of America customers retrieve their routing numbers through the mobile app. This shift has decreased support calls and streamlined how users interact with their account details.
Customer Service: You can also call BoA’s general support line (1-800-432-1000). A representative will verify your identity and provide the correct routing code.
Double-Checking for Mergers or Updates
Bank of America has periodically changed or added routing numbers due to mergers, acquisitions, or data center optimizations. In 2024, around 5% of branches nationwide were assigned updated routing codes, impacting roughly 2 million customers. If you noticed a bank name change on your statements (for instance, from a local acquisition), confirm you’re using the most current routing number.
Different Transactions: State-Specific vs. Universal Codes
Not all BoA routing numbers are the same. For checks, ACH transactions, and direct deposits, you typically need the state-specific routing number. Here are a few well-known examples:
California: 121000358
New York: 021000322
Texas (North): 111000025
Florida (East): 063100277
Wire transfers, conversely, ignore these state variations and rely on the universal code 026009593. This approach standardizes wire processes and helps high-volume businesses, which often send wires to multiple states, sidestep confusion.
ACH and Direct Deposits
Most recurring payments in the United States fall under ACH (Automated Clearing House) transactions. You’ll usually submit your account number and the routing number for your account’s “home state.” A mismatch between your state and the routing number can lead to rejections or a delay while the bank tries to identify the correct local branch.
Checks and Paper Transactions
Paper checks still account for about 40% of the transactions Bank of America processes, based on 2024 data. Each check has the routing number printed at the bottom, which is unique to the geographic region where you opened the account. If you move to a different state but keep your original checking account, you’ll continue to use the original routing number printed on your checks.
Handling Errors and Security Measures
Incorrect Routing Number: Entering a wrong digit can cause your funds to land in the wrong account or be rejected outright. Be vigilant when copying numbers from checks or from your online banking portal.
Potential Account Compromises: Although routing numbers are public, scammers often gather more private information—like your account number—to commit fraud. Bank of America claims a 99.99% success rate in preventing fraudulent activities tied to these codes, thanks to advanced encryption and regular audits.
Periodic Routing Number Checks: If the bank merges with another or undergoes a major update, the routing numbers may change to match new regional processing centers. Confirm your digits if you see any official Bank of America communication about changes or if you relocate.
Using Alternative Solutions for Cross-Border Payments
While a BoA routing number works for typical domestic transactions, international business owners often want more speed or better currency rates than the standard wire system can offer. If your enterprise regularly pays remote freelancers or vendors overseas, you might benefit from Mural Pay’s Payments service. Our multi-currency platform can process batch transactions in over 40 currencies, giving you:
High-volume payouts without multiple routing code checks
Local currency disbursements to freelancers or suppliers
Real-time compliance for cross-border transactions
These kinds of global services can reduce wire transfer fees and, in many cases, settle payments faster. Bank of America’s wires remain an option, but if you’re exploring more streamlined cross-border workflows, a specialized platform can simplify the process.
Wrapping Up
Bank of America routing numbers vary by state for everyday transactions and default to a universal code (026009593) for wire transfers. Knowing which number applies to your situation protects your funds from costly delays or rejections. Once you have your routing number locked in, maintaining secure, hassle-free transactions becomes much simpler.
If you want to see how routing numbers compare across big banks, check out Wells Fargo Routing Numbers in the US (Complete List). And if your business needs an efficient way to pay global partners, consider exploring Mural Pay’s solutions to automate cross-border transactions.
References
Statrys. (2023). “Bank of America Routing Number.” Available at: https://statrys.com/blog/bank-of-america-routing-number
GOBankingRates. (2024). “How to Find Your Bank of America Routing Number.” Available at: https://www.gobankingrates.com/banking/banks/how-find-bank-america-routing-number/
Bank of America. (2024). “Wire Transfers FAQs.” Available at: https://info.bankofamerica.com/en/digital-banking/wire-transfers
Instarem. (2023). “Bank of America Routing Number.” Available at: https://www.instarem.com/routing-number/bank-of-america/
Stilt. (2024). “Complete Guide to Bank of America Routing Numbers.” Available at: https://stilt.com/banking/complete-guide-to-bank-of-america-routing-numbers/
