Bank of America is the second-largest bank in the United States and serves customers in all 50 states. Like most major national banks, BofA uses different routing numbers by state — a result of absorbing regional banks over the years. The routing number you need depends on where you originally opened your account.
Bank of America Routing Numbers by State
Use the routing number for the state where you opened your Bank of America account. If you’ve moved since opening the account, your routing number stays the same.
| State | Routing Number |
|---|---|
| Alabama | 051000017 |
| Alaska | 051000017 |
| Arizona | 122101706 |
| Arkansas | 082000073 |
| California | 121000358 |
| Colorado | 123103716 |
| Connecticut | 011900254 |
| Delaware | 031202084 |
| District of Columbia | 054001204 |
| Florida | 063100277 |
| Georgia | 061000052 |
| Hawaii | 051000017 |
| Idaho | 123103716 |
| Illinois (northern) | 071000505 |
| Illinois (southern) | 081904808 |
| Indiana | 071214579 |
| Iowa | 073000176 |
| Kansas | 101100045 |
| Kentucky | 064000020 |
| Louisiana | 051000017 |
| Maine | 011200365 |
| Maryland | 052001633 |
| Massachusetts | 011000138 |
| Michigan | 072000805 |
| Minnesota | 071214579 |
| Mississippi | 051000017 |
| Missouri | 081000032 |
| Montana | 051000017 |
| Nebraska | 123103716 |
| Nevada | 122400724 |
| New Hampshire | 011400495 |
| New Jersey | 021200339 |
| New Mexico | 107000327 |
| New York | 021000322 |
| North Carolina | 053000196 |
| North Dakota | 051000017 |
| Ohio | 071214579 |
| Oklahoma | 103000017 |
| Oregon | 323070380 |
| Pennsylvania | 031202084 |
| Rhode Island | 011500010 |
| South Carolina | 053904483 |
| South Dakota | 051000017 |
| Tennessee | 064000020 |
| Texas | 111000025 |
| Utah | 123103716 |
| Vermont | 051000017 |
| Virginia | 051000017 |
| Washington | 125000024 |
| West Virginia | 051000017 |
| Wisconsin | 123103716 |
| Wyoming | 051000017 |
You’ll notice that several states share the routing number 051000017. This is Bank of America’s original Virginia-based routing number, used as the default for states where BofA didn’t acquire a regional bank with its own number. If you’re unsure which number applies to you, verify through the BofA app or call 1-800-432-1000. For routing numbers at all major US banks in one place, the routing numbers by bank guide lists ACH and wire routing numbers for Chase, Wells Fargo, Citi, and every other major bank.
Bank of America Wire Transfer Routing Number
Bank of America uses a separate routing number for domestic wire transfers that applies to all customers regardless of state.
| Transfer Type | Routing Number |
|---|---|
| Domestic wire transfer | 026009593 |
| ACH / direct deposit | State-specific (see table above) |
| International wire (SWIFT code) | BOFAUS3N |
For receiving an international wire transfer, you’ll need to provide:
| Information | Details |
|---|---|
| SWIFT/BIC code | BOFAUS3N |
| Bank name | Bank of America, N.A. |
| Bank address | 100 N Tryon St, Charlotte, NC 28255 |
| Your account number | Your BofA account number |
| Your name and address | As it appears on your account |
International wire transfers to Bank of America typically take 2–5 business days. Fees vary but expect $15–$45 for incoming international wires. The wire transfer timing guide explains how to track a wire and what to do if it’s delayed. For the full fee schedule on outgoing wires, the Bank of America fees breakdown covers domestic and international wire costs. For a bank-by-bank wire fee comparison, see bank wire transfer fees.
How to Find Your Bank of America Routing Number
1. BofA Mobile App
Open the Bank of America app → tap your account → select “Account details” or the info (i) icon. Your routing number appears next to your account number.
2. Online Banking (bankofamerica.com)
Log in → click your account → select “Information & Services” → your routing number is listed under account details.
3. On a Bank of America Check
Look at the bottom-left corner of your check. The first 9 digits are your routing number, followed by your account number and check number.
4. Customer Service
Call 1-800-432-1000. A representative can confirm your routing number after verifying your identity.
5. Bank Statement
Your routing number may appear on your monthly bank statement, typically in the account information header.
ACH vs. Wire Transfer: Which Number to Use
This is the most common source of confusion with Bank of America routing numbers. ACH transactions (like direct deposit) use your state-specific number, while wire transfers use a single national number.
| Transaction | Which Number |
|---|---|
| Employer direct deposit | State-specific ACH number |
| IRS tax refund | State-specific ACH number |
| Automatic bill pay | State-specific ACH number |
| Linking to PayPal, Venmo, Cash App | State-specific ACH number |
| Domestic wire (receiving) | 026009593 |
| Domestic wire (sending) | 026009593 |
| International wire | SWIFT: BOFAUS3N |
Using the wrong routing number won’t result in lost funds, but the transaction will typically bounce back after 1–5 business days, creating an unnecessary delay. Always double-check before submitting. For direct deposit specifically, the when does direct deposit hit guide explains processing windows and why paychecks sometimes post a day early. For small transfers via payment apps, Zelle limits covers Bank of America’s Zelle daily and monthly sending caps.
Illinois: Two Routing Numbers
Bank of America is one of few banks that has two different routing numbers within the same state. Illinois customers need to check which one applies:
| Region | Routing Number |
|---|---|
| Northern Illinois (Chicago area) | 071000505 |
| Southern Illinois | 081904808 |
If you’re unsure which part of Illinois your account falls under, check the routing number on a BofA check or in your mobile app. The split exists because Bank of America acquired different regional banks in northern and southern Illinois.
Why Do Some States Share the Same Routing Number?
You’ll notice that states like Alaska, Hawaii, Montana, Louisiana, Wyoming, and several others all use 051000017. This is because Bank of America’s historical headquarters were in Virginia, and when the bank expanded into states where it didn’t acquire an existing bank, it assigned new accounts to this original routing number.
States with unique routing numbers typically had a strong regional bank that Bank of America acquired — like NationsBank (North Carolina, 053000196) or FleetBoston (Massachusetts, 011000138). These legacy numbers were preserved so millions of existing customers wouldn’t need to update their banking information. For a full comparison of Bank of America versus Chase on accounts, fees, and rewards, see Chase vs. Bank of America.
Bottom Line
| Question | Answer |
|---|---|
| How many routing numbers does BofA have? | 50+ (one or more per state) |
| Wire transfer routing number | 026009593 (all states) |
| SWIFT code | BOFAUS3N |
| Most common routing number | 051000017 (used in 15+ states) |
| Does it change if I move? | No — tied to where you opened the account |
| Best way to verify | BofA app → Account details |
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy