Navigating the world of banking often involves understanding key pieces of information, and one of the most crucial is your bank routing number. This guide, brought to you by bankprofits.net, will explain everything you need to know about routing numbers, why they matter, and how to find yours.
What is a Bank Routing Number?
A routing number, officially known as an ABA routing number, is a 9-digit code that identifies your bank and branch location. Think of it like a zip code for banks. Just as a zip code directs mail to the correct post office, a routing number ensures that financial transactions are sent to the correct financial institution.
The ABA, or American Bankers Association, developed this system to streamline and standardize the processing of checks and electronic transfers. This system is critical for the smooth operation of the modern financial system, facilitating trillions of dollars in transactions daily.
Routing Numbers and Bank Transactions
You’ll most commonly need your routing number when setting up various banking transactions, including:
- Direct Deposits: Whether it’s your paycheck from your employer, Social Security benefits, or tax refunds, direct deposit relies on your routing number to ensure funds are correctly credited to your account.
- Automatic Payments (ACH Transfers): Setting up automatic payments for bills like utilities, loans, or subscriptions requires your routing number so that companies can securely debit funds from your account.
- Wire Transfers: For larger, more immediate transfers, wire transfers also utilize routing numbers to direct funds between banks, although wire transfers often use different routing numbers than ACH transfers.
- Check Processing: While less common now, routing numbers were initially designed for paper checks. The routing number, along with your account number, is printed on the bottom of your checks to facilitate processing.
ABA and Routing Number
Alt text: Location of ABA routing number and account number on a sample check, highlighting the bottom left corner for routing number and bottom right for account number.
Finding Your Bank of America Routing Number
Bank of America, like all banks in the US, uses routing numbers to identify its branches. However, Bank of America routing numbers can vary depending on the state where you opened your account. This is why it’s crucial to find the specific routing number associated with your account, rather than assuming a single number applies to all Bank of America customers.
Here are the most reliable ways to find your Bank of America routing number:
1. Online Banking or Mobile App
The easiest and most secure way to find your routing number is by logging into your Bank of America online banking portal or mobile app. Once logged in, you can typically find your routing number displayed within your account details or in a help/information section.
Bank of America provides direct links to help you:
These digital tools offer the most accurate and readily accessible way to get your routing number.
2. Check Your Checks
If you still use paper checks, your routing number is printed on the bottom left corner of your checks. It’s the first 9-digit number you’ll see there. While this is a convenient method, ensure you are using a personal check for your specific account, as routing numbers can vary.
3. Contact Bank of America Directly
If you are unable to access online banking or locate your checks, you can always contact Bank of America customer service directly. They can verify your identity and provide you with the correct routing number for your account. You can call them at 844.375.7028 or schedule an appointment to speak with a representative in person.
Bank of America Routing Numbers by State
While we strongly recommend verifying your routing number through online banking or your checks, here is a comprehensive list of Bank of America routing numbers by state for different transaction types. Remember that these are general guides and your specific routing number may vary based on when and where you opened your account. Always confirm your number using the methods above for accuracy, especially for critical transactions.
(State-by-State Routing Number List – Maintaining the original list as requested)
Bank of America ABA Routing Number: Alabama
Alabama
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Alaska
Alaska
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Arizona
Arizona
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
122101706
Paper (e.g., ordering checks):
122101706
Wire Transfer:
026009593
Bank of America ABA Routing Number: Arkansas
Arkansas
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
082000073
Paper (e.g., ordering checks):
082000073
Wire Transfer:
026009593
Bank of America ABA Routing Number: California
California
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
121000358
Paper (e.g., ordering checks):
121000358
Wire Transfer:
026009593
Bank of America ABA Routing Number: Colorado
Colorado
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
123103716
Paper (e.g., ordering checks):
123103716
Wire Transfer:
026009593
Bank of America ABA Routing Number: Connecticut
Connecticut
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
011900254
Paper (e.g., ordering checks):
011900571
Wire Transfer:
026009593
Bank of America ABA Routing Number: Delaware
Delaware
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
031202084
Paper (e.g., ordering checks):
031202084
Wire Transfer:
026009593
Bank of America ABA Routing Number: District Of Columbia
Washington DC
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
054001204
Paper (e.g., ordering checks):
054001204
Wire Transfer:
026009593
Bank of America ABA Routing Number: Florida
Florida, East
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
063100277
Paper (e.g., ordering checks):
063000047
Wire Transfer:
026009593
Florida, West
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
063100277
Paper (e.g., ordering checks):
063100277
Wire Transfer:
026009593
Bank of America ABA Routing Number: Georgia
Georgia
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
061000052
Paper (e.g., ordering checks):
061000052
Wire Transfer:
026009593
Bank of America ABA Routing Number: Hawaii
Hawaii
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Idaho
Idaho
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
123103716
Paper (e.g., ordering checks):
123103716
Wire Transfer:
026009593
Bank of America ABA Routing Number: Illinois
Illinois – South
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
081904808
Paper (e.g., ordering checks):
081904808
Wire Transfer:
026009593
Illinois – North
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
071000505
Paper (e.g., ordering checks):
071000505
Wire Transfer:
026009593
Illinois – Chicago Metro
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
081904808
Paper (e.g., ordering checks):
071103619
Wire Transfer:
026009593
Bank of America ABA Routing Number: Indiana
Indiana
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
071214579
Paper (e.g., ordering checks):
071214579
Wire Transfer:
026009593
Bank of America ABA Routing Number: Iowa
Iowa
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
073000176
Paper (e.g., ordering checks):
073000176
Wire Transfer:
026009593
Bank of America ABA Routing Number: Kansas
Kansas
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
101100045
Paper (e.g., ordering checks):
101100045
Wire Transfer:
026009593
Bank of America ABA Routing Number: Kentucky
Kentucky
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
064000020
Paper (e.g., ordering checks):
064000020
Wire Transfer:
026009593
Bank of America ABA Routing Number: Louisiana
Louisiana
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Maine
Maine
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
011200365
Paper (e.g., ordering checks):
011200365
Wire Transfer:
026009593
Bank of America ABA Routing Number: Maryland
Maryland
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
052001633
Paper (e.g., ordering checks):
052001633
Wire Transfer:
026009593
Bank of America ABA Routing Number: Massachusetts
Massachusetts
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
011000138
Paper (e.g., ordering checks):
011000138
Wire Transfer:
026009593
Bank of America ABA Routing Number: Michigan
Michigan
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
072000805
Paper (e.g., ordering checks):
072000805
Wire Transfer:
026009593
Bank of America ABA Routing Number: Minnesota
Minnesota
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
071214579
Paper (e.g., ordering checks):
071214579
Wire Transfer:
026009593
Bank of America ABA Routing Number: Mississippi
Mississippi
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Missouri
Missouri East/St. Louis
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
081000032
Paper (e.g., ordering checks):
081000032
Wire Transfer:
026009593
Missouri West/Kansas City
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
081000032
Paper (e.g., ordering checks):
101000035
Wire Transfer:
026009593
Bank of America ABA Routing Number: Montana
Montana
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Nebraska
Nebraska
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
123103716
Paper (e.g., ordering checks):
123103716
Wire Transfer:
026009593
Bank of America ABA Routing Number: Nevada
Nevada
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
122400724
Paper (e.g., ordering checks):
122400724
Wire Transfer:
026009593
Bank of America ABA Routing Number: New Hampshire
New Hampshire
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
011400495
Paper (e.g., ordering checks):
011400495
Wire Transfer:
026009593
Bank of America ABA Routing Number: New Jersey
New Jersey
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
021200339
Paper (e.g., ordering checks):
021200339
Wire Transfer:
026009593
Bank of America ABA Routing Number: New Mexico
New Mexico
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
107000327
Paper (e.g., ordering checks):
107000327
Wire Transfer:
026009593
Bank of America ABA Routing Number: New York
New York
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
021000322
Paper (e.g., ordering checks):
021000322
Wire Transfer:
026009593
Bank of America ABA Routing Number: North Carolina
North Carolina
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
053000196
Paper (e.g., ordering checks):
053000196
Wire Transfer:
026009593
Bank of America ABA Routing Number: North Dakota
North Dakota
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Ohio
Ohio
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
071214579
Paper (e.g., ordering checks):
071214579
Wire Transfer:
026009593
Bank of America ABA Routing Number: Oklahoma
Oklahoma
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
103000017
Paper (e.g., ordering checks):
103000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Oregon
Oregon
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
323070380
Paper (e.g., ordering checks):
323070380
Wire Transfer:
026009593
Bank of America ABA Routing Number: Pennsylvania
Pennsylvania
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
031202084
Paper (e.g., ordering checks):
031202084
Wire Transfer:
026009593
Bank of America ABA Routing Number: Rhode Island
Rhode Island
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
011500010
Paper (e.g., ordering checks):
011500010
Wire Transfer:
026009593
Bank of America ABA Routing Number: South Carolina
South Carolina
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
053904483
Paper (e.g., ordering checks):
053904483
Wire Transfer:
026009593
Bank of America ABA Routing Number: South Dakota
South Dakota
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Tennessee
Tennessee
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
064000020
Paper (e.g., ordering checks):
064000020
Wire Transfer:
026009593
Bank of America ABA Routing Number: Texas
Texas, North
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
111000025
Paper (e.g., ordering checks):
111000025
Wire Transfer:
026009593
Texas, South
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
111000025
Paper (e.g., ordering checks):
113000023
Wire Transfer:
026009593
Bank of America ABA Routing Number: Utah
Utah
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
123103716
Paper (e.g., ordering checks):
123103716
Wire Transfer:
026009593
Bank of America ABA Routing Number: Vermont
Vermont
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Virginia
Virginia
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Washington
Washington
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
125000024
Paper (e.g., ordering checks):
125000024
Wire Transfer:
026009593
Bank of America ABA Routing Number: West Virginia
West Virginia
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Bank of America ABA Routing Number: Wisconsin
Wisconsin
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
123103716
Paper (e.g., ordering checks):
123103716
Wire Transfer:
026009593
Bank of America ABA Routing Number: Wyoming
Wyoming
Electronic payment (e.g., direct deposits, automatic payments, and ACH transfers):
051000017
Paper (e.g., ordering checks):
051000017
Wire Transfer:
026009593
Important Reminders About Routing Numbers
- Verify, Verify, Verify: Always double-check your routing number from a reliable source like online banking or your checks. Using an incorrect routing number can lead to transaction delays or failures.
- State Matters: Bank of America routing numbers are state-specific. Even if you move, the routing number associated with your account is typically based on the state where you originally opened the account.
- Wire Transfer Differences: Note that wire transfers often use a different routing number (usually the ‘Wire Transfer’ number listed) than ACH or electronic transfers. Ensure you are using the correct number for the specific transaction type.
By understanding your bank routing number and how to find it, you can confidently manage your finances and ensure smooth, accurate transactions. For any further questions or assistance, visit bankprofits.net for more banking insights.
