Bank of America Routing Number (2026) — ACH, Wire & Direct Deposit
Use the routing number printed on your own check — the first group of nine digits in the bottom-left corner. It is the only number guaranteed to be right for your account. Bank of America has more than one, and no list on any website can tell which one is yours. Your Bank of America app and online banking show it too, and 1-800-432-1000 will confirm it. A wrong routing number sends your money to the wrong institution.
We are deliberately not printing a single "Bank of America routing number" for direct deposit. The Federal Reserve registers 145 numbers to Bank of America, N.A. and only one of them belongs to your account. The number on the bottom-left of your own check is the only authoritative answer.
Why Bank of America has the routing numbers it does
Bank of America registers a small number of state routing numbers with the Federal Reserve, and the Fedwire directory labels them explicitly — you will see entries named "BANK OF AMERICA, N.A., NY", "..., TX", "..., CA" and "..., IL". They descend from the NationsBank, BankAmerica and LaSalle charters that merged into the modern bank. Note that Bank of America is one of the banks where the number printed on your check (used for direct deposit and ACH) is frequently NOT the number used to receive a wire — the bank routes all incoming domestic wires through a single number regardless of the state your account sits in.
Bank of America routing numbers registered with the Federal Reserve
Each row below is a live record from the Federal Reserve's Fedwire participant directory. The location column is the Fedwire telegraphic location the Federal Reserve holds for that number — the Fed's own processing site for it. For a bank this size it is not the state whose accounts use the number, and it should not be read as one. Nothing on this page can tell you which of these is attached to your account: use the nine digits printed on the bottom-left of your own check.
| Routing number | Registered to | Fedwire location | Fed district | Networks |
|---|---|---|---|---|
| 121000358 | BANK OF AMERICA, N.A. | San Francisco, CA | San Francisco | Wire ACH |
| 121141822 | BANK OF AMERICA NA | Walnut Creek, CA | San Francisco | Wire ACH |
| 071000039 | BANK OF AMERICA, N.A. | Chicago, IL | Chicago | Wire ACH |
| 053000196 | BANK OF AMERICA, N.A. | Charlotte, NC | Richmond | Wire ACH |
| 026009593 | BANK OF AMERICA N.A. | New York, NY | New York | Wire ACH |
| 111000012 | BANK OF AMERICA, N.A. | Bank Amer Global Dal, TX | Dallas | Wire ACH |
| 114000653 | BANK OF AMERICA | San Antonio, TX | Dallas | Wire ACH |
The Federal Reserve additionally registers 138 ACH-only routing numbers to Bank of America, N.A. that are not eligible for Fedwire. These are almost entirely legacy numbers inherited from acquired institutions and are still valid for receiving direct deposit, but cannot be used to receive a wire. We do not list them individually because the only one that matters is the one printed on your own check.
A routing number sends money to an institution, not to a person. If it is wrong the payment goes somewhere else. Before you transact, confirm the number against the bottom-left of your own check, your Bank of America app, or Bank of America's official page.
Which number do you actually need?
| You are doing this | Use | Arrives |
|---|---|---|
| Setting up direct deposit or paying a bill | The ACH number on your check | 1–3 business days |
| Receiving a domestic wire | 026009593 | Same business day |
| Receiving money from outside the US | BOFAUS3N (SWIFT/BIC) | 1–5 business days |
US accounts do not have IBANs. If an overseas sender's form demands one, that form was built for Europe — give them the SWIFT/BIC plus your routing and account number instead. See SWIFT vs routing number.
Bank of America branches in Buzdy's US directory
We track 400 Bank of America locations in the United States. If you need to confirm a routing number in person or open an account, these are the busiest cities in our data:
Bank of America cards and accounts on Buzdy
Products we list for Bank of America in the United States.
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Bank of America routing number — questions
What is the Bank of America routing number?
There is no single one. The Federal Reserve registers 145 routing numbers to Bank of America, N.A., mostly inherited from banks it has acquired. For direct deposit use the nine digits on the bottom-left of your own check. For an incoming domestic wire, Bank of America publishes 026009593.
Which of the 145 Bank of America routing numbers is mine?
We cannot tell you from a list, and neither can anyone else. Bank of America, N.A. has 145 routing numbers registered with the Federal Reserve, most of them inherited from banks it acquired, and which one is attached to your account depends on the institution and branch that opened it. The nine digits in the bottom-left corner of your own check are the answer; your Bank of America app and online banking show the same thing, and 1-800-432-1000 will confirm it. Do not pick one off a list because it matches your state.
Is the Bank of America wire routing number the same as the ACH number?
Not always. ACH routing numbers move direct deposits and bill payments over the automated clearing house, usually settling in one to three business days. Wire routing numbers move same-day funds over Fedwire. Of the 145 numbers the Federal Reserve registers to Bank of America, N.A., 7 are Fedwire-eligible and 138 are ACH-only. Using an ACH-only number for an incoming wire is one of the most common reasons transfers are returned.
What is the Bank of America SWIFT code?
Bank of America publishes the SWIFT/BIC code BOFAUS3N for international transfers. SWIFT codes are not held in the Federal Reserve routing directory, so we cannot verify this against the Fed the way we verify routing numbers — confirm it with the bank before an overseas sender uses it.
How do I find my own Bank of America routing number?
Read the first group of nine digits in the bottom-left corner of a check, open your account details in the Bank of America app or online banking, or call 1-800-432-1000. Any of these three is specific to your account; a general list is not.
How we checked this page
Every routing number above was read directly from the Federal Reserve Banks' E-Payments Routing Directory — the FedACH and Fedwire participant directories, which are the systems of record for US routing numbers. We query both directories by institution name, keep only records the Federal Reserve returns under Bank of America, N.A., and validate every number against the ABA check-digit formula. Numbers that fall out of the directory are removed rather than carried forward. We do not publish a number we could not confirm.
SWIFT/BIC codes are not part of the Federal Reserve directory and are shown as published by the bank itself, labelled as such. Last checked against the Federal Reserve directory on 29 July 2026.
Related guides
Buzdy is not affiliated with Bank of America, N.A.. Routing numbers are reproduced for reference from public Federal Reserve records; always confirm with your bank before moving money.