Bank of America ACH Routing Number: Your Comprehensive Guide

Understanding and locating your Bank Of America Ach Routing Number is crucial for various financial transactions. Whether you’re setting up direct deposits, making online payments, or initiating wire transfers, this 9-digit code ensures your money reaches the correct destination. This guide provides an in-depth look at Bank of America routing numbers, how to find yours, and why using the correct number is essential.

What is a Bank of America Routing Number?

A routing number, officially known as an ABA routing number, is a unique identifier assigned to financial institutions by The American Bankers Association (ABA). This 9-digit code acts like a postal code for banks, directing funds to the correct bank during transactions. Bank of America uses routing numbers for all sorts of transactions, most notably for ACH (Automated Clearing House) transfers. ACH transfers are common for:

Direct Deposits: Receiving paychecks, government benefits, or tax refunds directly into your account.
Automatic Payments: Setting up recurring payments for bills like utilities, loans, or subscriptions.
Electronic Funds Transfers: Moving money between different bank accounts electronically.

Think of the routing number as the address of your Bank of America branch within the vast financial network. It ensures that electronic transfers are routed accurately and efficiently.

Location of ABA Routing Number on a Bank of America Check – Find the 9-digit routing number at the bottom left corner of your check to ensure accurate transactions.

Why Does the Bank of America Routing Number Matter?

Using the correct Bank of America routing number is paramount to ensure smooth and error-free financial transactions. Incorrect routing numbers can lead to:

Transaction Delays: Payments or deposits might be delayed as they are misdirected.
Failed Transactions: Transfers could be rejected and returned, causing inconvenience.
Potential Fees: Some services might charge fees for failed transactions due to incorrect information.

Therefore, always double-check and verify your Bank of America routing number before initiating any transaction.

Finding Your Bank of America ACH Routing Number

Bank of America routing numbers are not universal; they can vary based on the state where you opened your account and the type of transaction. Here’s how to find your specific routing number:

1. Online Banking or Mobile App: The Easiest Way

The most convenient and reliable method to find your Bank of America routing number is through their online banking platform or mobile app. Once logged in, you can typically find your routing number displayed within your account information or in the account summary section. Bank of America provides clear guidance on their website to help you locate this information within your account.

Steps to find your routing number online or via mobile app:

Log in to your Bank of America Online Banking account or Mobile Banking App.
Navigate to your account summary or account information page.
Look for your account details, where your routing number should be listed alongside your account number.

Bank of America offers visual walkthroughs to guide you:

This digital method is not only quick but also ensures you are getting the most accurate routing number associated with your specific account.

2. Check or Checkbook

If you have Bank of America checks, your routing number is printed on them. Look at the bottom left corner of your check. The 9-digit number situated before your account number is your Bank of America routing number.

Locating your routing number on a check:

Take out one of your Bank of America checks.
Examine the numbers at the bottom of the check.
The 9-digit number on the far left is your routing number.

While checks are a readily available source, always verify this number against your online banking or mobile app to confirm its accuracy, especially for electronic transactions like ACH transfers.

3. State-Specific Routing Number Lists (Use with Caution)

Bank of America provides a list of routing numbers categorized by state. However, it is crucial to understand that routing numbers are based on the state where your account was opened, not necessarily where you currently reside. Therefore, using these lists should be done with caution and primarily for informational purposes, not as a definitive source for your specific routing number.

Below is a list compiled from the original source, but always verify your routing number through online banking or your checks for accuracy.

Bank of America ABA Routing Numbers by State (for Electronic Payments & Paper)

Alabama: 051000017
Alaska: 051000017
Arizona: 122101706
Arkansas: 082000073
California: 121000358
Colorado: 123103716
Connecticut: 011900254 (Electronic), 011900571 (Paper)
Delaware: 031202084
District Of Columbia: 054001204
Florida (East & West): 063100277 (Electronic), 063000047 (Paper – East FL only, West FL same as Electronic: 063100277)
Georgia: 061000052
Hawaii: 051000017
Idaho: 123103716
Illinois:
- South & Chicago Metro: 081904808 (Electronic), 081904808 (Paper – South), 071103619 (Paper – Chicago Metro)
- North: 071000505
Indiana: 071214579
Iowa: 073000176
Kansas: 101100045
Kentucky: 064000020
Louisiana: 051000017
Maine: 011200365
Maryland: 052001633
Massachusetts: 011000138
Michigan: 072000805
Minnesota: 071214579
Mississippi: 051000017
Missouri:
- East/St. Louis & West/Kansas City: 081000032 (Electronic – East & West), 081000032 (Paper – East), 101000035 (Paper – West)
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:
- North & South: 111000025 (Electronic – North & South), 111000025 (Paper – North), 113000023 (Paper – South)
Utah: 123103716
Vermont: 051000017
Virginia: 051000017
Washington: 125000024
West Virginia: 051000017
Wisconsin: 123103716
Wyoming: 051000017

Wire Transfer Routing Number: For wire transfers to Bank of America, the routing number is generally 026009593, regardless of your state. However, it’s always best to confirm this with Bank of America directly, especially for international wire transfers, as additional information might be required.

Key Takeaways for Bank of America Routing Numbers

Verification is Key: Always verify your Bank of America routing number through online banking, mobile app, or your checks to ensure accuracy.
State Matters: Routing numbers can vary by state where your account was opened.
ACH Transactions: The routing numbers listed above are primarily for ACH transactions like direct deposits and automatic payments.
Wire Transfers: Use routing number 026009593 for wire transfers, but confirm with Bank of America.
Avoid Assumptions: Do not assume your routing number based solely on your current location or state lists.

By understanding how to locate and correctly use your Bank of America ACH routing number, you can ensure your financial transactions are processed smoothly and efficiently. Always prioritize verification to avoid potential errors and delays.