Bank of America routing number for Florida

Updated regularly • Verified banking data • Covers ACH transfers, direct deposit, checks, and wire routing details

Quick Answer

The Bank of America routing number for Florida is 063100277. Use this for direct deposit, ACH transfers, recurring bill payments, and paper checks. For domestic wire transfers, use 026009593. For international wires, the SWIFT code is BOFAUS3N.

The single most important thing to know for Florida Bank of America customers: this routing number only applies if your account was opened in Florida. Florida is one of the highest-migration states in the country, with large numbers of retirees, seasonal residents, and transplants arriving from New York, New Jersey, Georgia, Ohio, Virginia, and elsewhere — many of them with Bank of America accounts opened in their previous home states. If you moved to Florida and kept your existing Bank of America account, your routing number is still whatever state it was opened in. It is not 063100277 until you open a new account at a Florida branch. The Bank of America mobile app confirms your exact routing number in under a minute — and for Florida residents with out-of-state banking histories, that 60-second check is genuinely worth doing before submitting any payroll or government deposit forms.

What Is the Bank of America Routing Number for Florida?

The routing number for Bank of America accounts opened in Florida is 063100277. This applies statewide — whether your account was opened in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, St. Petersburg, Boca Raton, Naples, Sarasota, Tallahassee, or anywhere else in the state.

This 9-digit number identifies Bank of America to other financial institutions when processing electronic transactions. When your employer sends payroll, when the IRS deposits a refund, or when you link your account to another bank or payment app, this number tells the payment network which institution to route funds through before your account number directs them to you specifically.

When Florida Customers Use This Routing Number

You’ll need 063100277 any time you’re electronically connecting a payment or deposit to your Florida-opened Bank of America account. The most common situations:

• Employer payroll / direct deposit: When HR asks for your bank details to set up your paycheck — whether you work in Florida or remotely for an out-of-state employer.
• Social Security and federal benefit deposits: Florida has one of the largest Social Security recipient populations in the country. When enrolling or updating Social Security direct deposit, use this number along with your account number. The same applies for veterans benefits, Medicare premium refunds, and other recurring federal deposits.
• IRS federal tax refunds: Florida has no state income tax, so there’s no state refund to set up — but federal IRS refunds still require your routing number when filing.
• ACH transfers between banks: Moving money between your Bank of America account and another institution — a Chase account, a credit union, a brokerage, or a high-yield savings account elsewhere.
• Recurring bill payments: Auto-pay for utilities, rent, insurance, HOA fees, student loans, or subscriptions pulling directly from your Bank of America account.
• Linking to payment apps: Connecting Bank of America to PayPal, Venmo, Cash App, or similar platforms.
• Paper checks: Your routing number is pre-printed on your Florida-opened Bank of America checks as 063100277.

Real-World Examples

Setting Up Direct Deposit in Florida

Your employer’s payroll form or portal — ADP, Workday, Paychex, Gusto, or a paper form from HR — will ask for your routing number and account number separately. Enter 063100277 as the routing number. Your account number is the longer string of digits at the bottom of your check, typically 10–12 digits long.

The routing number is always exactly 9 digits. Before submitting, confirm that the number you’re entering is 063100277 and not 026009593 — the wire routing number that appears prominently in generic Bank of America searches and that many people mistakenly use for direct deposit.

New direct deposit setups typically take one to two pay cycles to activate. If you submit changes after your employer’s payroll cutoff, that paycheck arrives via your previous method. Plan ahead and don’t cancel your old banking arrangement until the new deposit has landed at least once.

Social Security and Federal Benefit Direct Deposit

Florida has more Social Security recipients than almost any other state. If you’re enrolling in Social Security direct deposit for the first time — or updating your deposit information after opening a Florida Bank of America account — you have two options: update online at ssa.gov, or call the SSA at 1-800-772-1213.

When updating: first verify your routing number in the Bank of America mobile app to confirm it’s 063100277 (and not a number from a previous state if you moved). Then provide the SSA with 063100277 and your full Bank of America account number. SSA direct deposit changes typically take 30–60 days to take effect — longer than most private payroll systems. Keep your previous payment method active until the new deposit lands at least once. The same timeline applies to veterans benefits, Railroad Retirement Board payments, and other federal recurring deposits.

IRS Tax Refund Direct Deposit

Florida has no state income tax, so there’s no Florida state refund to set up — one less form to fill out. For your federal IRS refund, enter 063100277 as the routing number when filing your return electronically. IRS refunds for e-filed returns with direct deposit typically arrive within 21 days of acceptance. If your return is paper-filed, add 6–8 weeks. Entering the wrong routing number on a tax return delays your refund and requires IRS intervention to correct — worth double-checking before submitting.

Linking Bank of America to PayPal, Venmo, or Cash App

When adding your Bank of America Florida account to a payment app, link manually using your routing and account number, or verify instantly through your Bank of America login. If linking manually, use 063100277.

Florida is a large enough Bank of America market that most apps auto-fill 063100277 correctly when you select “Bank of America” from a bank list. That said, always confirm what populated before finalizing — some apps default to 026009593 for all Bank of America accounts, which is the wire number, not the Florida ACH number.

Micro-deposit verification is the most reliable method: the app sends two small test deposits (usually under $0.50 each) to your Bank of America account within 1–2 business days, and you confirm the exact amounts to complete the link — eliminating routing number entry and auto-fill errors entirely.

Transferring Between Bank of America and Chase in Florida

Florida has large populations of both Bank of America and Chase customers, and many people bank at both or transfer regularly between the two. The routing numbers to keep straight:

• Bank of America Florida ACH: 063100277
• Chase Florida ACH: 267084131
• Bank of America domestic wire (all states): 026009593
• Chase domestic wire (all states): 021000021

When initiating an ACH transfer between the two banks, use each bank’s ACH number — not the wire number — regardless of which app you’re initiating from. For standard bank-to-bank transfers, ACH is almost always what you want: it’s free, reliable, and settles in 1–3 business days.

ACH Transfers Between Banks

When moving money between your Bank of America account and another institution — funding an Ally or Marcus savings account, pulling from a Florida credit union, or moving to a brokerage — the outside bank will ask for Bank of America’s routing number and your account number. Use 063100277. Standard ACH transfers settle in 1–3 business days. Transfers initiated after business hours or on weekends don’t begin processing until the next business day. See how ACH payments are processed for a full timeline.

Ordering or Verifying Checks

When reordering checks through Bank of America or a third-party printer, confirm the routing number shown in the order preview is 063100277 before submitting. Checks in Florida are still widely used for HOA payments, condo association fees, and rent in retirement communities — a returned check in those contexts can cause complications that go beyond just the inconvenience of a failed payment.

Wire Transfers: Use a Different Number

Wire transfers move through the Fedwire network — not ACH — and require a different routing number. Using 063100277 for a wire will cause it to fail or be returned.

• Domestic wire transfers (within the U.S.): Use 026009593
• International wire transfers: Use SWIFT code BOFAUS3N along with routing number 026009593 and your account number. Some destination countries also require a Bank of America branch address — confirm with the receiving institution before sending.

South Florida has significant international banking activity, with frequent wire connections to Latin America and the Caribbean. If you’re sending or receiving international wires through your Bank of America Florida account, provide the sender with SWIFT code BOFAUS3N, routing number 026009593, and your full account number. For a full comparison of ACH vs wire, see ACH vs wire transfers explained.

The Most Common Florida Bank of America Routing Number Mistake: Out-of-State Accounts

Florida is unique in how frequently this problem occurs. More people relocate to Florida than to almost any other state — particularly from the Northeast, Mid-Atlantic, and Midwest — and many arrive with Bank of America accounts already open from their previous home state. When they go to set up direct deposit, update Social Security information, or link a payment app, they search “Bank of America routing number Florida,” find 063100277, and use it — even though their account’s actual routing number is something different entirely.

Here are the states most commonly represented among Florida transplants, with their Bank of America routing numbers:

If your account was opened in…	Your Bank of America routing number is
Florida	063100277
New York	021000322
New Jersey	021200339
Georgia	061000052
Virginia	051000017
North Carolina	053000196
Ohio	071214579
Pennsylvania	031202084
Michigan	072000805
Illinois	071000505

Your routing number does not update automatically when you move to Florida or change your address with Bank of America. The only way to get a Florida routing number is to open a new Bank of America account at a Florida branch. To confirm which number applies to your existing account, check the Bank of America mobile app under account details.

Why Your Routing Number Is Tied to Where You Opened Your Account

Routing numbers are permanently tied to the account’s state of origin — not your current address, not your current state of residence, and not the state where you do most of your banking today. This structure dates back to the Federal Reserve’s regional district system and has remained in place through decades of bank mergers and the transition to digital banking.

Bank of America grew through acquisitions of major regional banks, and each acquired institution brought its own routing numbers that Bank of America preserved to avoid disrupting existing customers. Florida’s routing number (063100277) reflects the banking infrastructure Bank of America absorbed when it expanded into Florida — it’s Florida-specific and not shared with any neighboring state.

The practical result for Florida residents:

• Opened your Bank of America account in Florida: Your routing number is 063100277, regardless of where you live now.
• Moved to Florida from New York with an existing account: Your routing number is 021000322 — New York’s number — until you open a new account in Florida.
• Have a Florida-opened account AND an account from a previous state: Each account has its own routing number. Verify each individually in the Bank of America app before setting up any transfers or deposits.
• Updated your address to Florida with Bank of America: This does not change your routing number. Address changes and routing numbers are independent of each other.

How to Verify Your Bank of America Routing Number

In the Bank of America Mobile App

1. Open the Bank of America app and sign in.
2. Tap the account you want to check — checking or savings.
3. Tap Information & Services or the account details section.
4. Select View account & routing numbers.
5. Your routing number and account number will both appear. If you have multiple accounts, check each one individually — they may have different routing numbers if opened in different states.

In Bank of America Online Banking

1. Log in at bankofamerica.com.
2. Click on the account you want to verify.
3. Click Information & Services in the account menu.
4. Select View account & routing number.
5. Both numbers will be displayed.

On a Paper Check

Look at the bottom-left corner of any Bank of America check. The first 9-digit number is the routing number. The longer number to its right is your account number, and the number at the far right is the check number. For a Florida-opened account, this will show 063100277. If it shows a different number, your account was opened in a different state — use whatever number appears on your check for ACH transactions tied to that account.

Call Bank of America

Call 1-800-432-1000 (personal accounts) or the number on the back of your Bank of America debit card. After verifying your identity, a representative can confirm the routing number tied to your specific account and clarify which number to use for electronic transactions.

Common Mistakes to Avoid

• Using 063100277 when your account was opened in another state. This is the most common Florida-specific Bank of America mistake. If you moved here from New York, Georgia, Virginia, or anywhere else and kept your original account, your routing number is not 063100277 — it’s whatever state your account came from.
• Using 026009593 for ACH or direct deposit. That’s the domestic wire routing number for all states. Using it for Florida direct deposit will result in a rejected or delayed transaction.
• Expecting Social Security deposit changes to take effect immediately. SSA direct deposit changes take 30–60 days. Keep your previous payment arrangement active until the new deposit has arrived at least once.
• Assuming your routing number updated when you changed your Florida address with Bank of America. It doesn’t. Address changes and routing numbers are completely independent.
• Confusing routing number and account number. The routing number is always exactly 9 digits. Your account number is longer. Both appear at the bottom of your check.
• Trusting auto-filled routing numbers in apps without verifying. Some apps default to 026009593 for all Bank of America accounts. Always verify against what the Bank of America app shows for your specific account.
• Not verifying before updating IRS direct deposit for a tax refund. Entering the wrong routing number on a tax return delays your refund and requires IRS correction, which can add weeks. Confirm the number before filing.

What Happens If You Enter the Wrong Routing Number

The outcome depends on what was entered and what type of transaction was involved.

If the routing number doesn’t correspond to any bank: The transaction is rejected within 1–3 business days and funds return to the sender. Nothing is permanently lost, but there’s a delay — and for payroll or government benefits, you may need to resubmit paperwork and wait another cycle.

If you use 026009593 for Florida ACH: Because 026009593 is a valid Bank of America routing number (New York’s ACH number and the nationwide wire number), the transaction may not be immediately rejected — it may instead route through a different processing path. This can produce a delayed return rather than an instant rejection, which takes longer to identify and correct than a clean routing error.

If the routing number routes to a different bank: The payment reaches a different institution. Since your account number almost certainly doesn’t exist there, the transaction is rejected and returned. This adds extra business days and may trigger a returned-item fee from the originating payroll processor or bank.

If the routing number is correct but the account number is wrong: The most serious scenario. If the incorrect account number matches a real Bank of America account belonging to someone else, funds can deposit into that account. Recovering misdirected ACH payments requires a formal dispute with Bank of America and can take weeks. Contact Bank of America immediately at 1-800-432-1000 and document everything — date, amount, and any confirmation numbers.

See typical bank transfer timelines for context on what’s normal versus what warrants a call to Bank of America.

More Bank of America Routing Number Guides

• Browse all Bank of America routing numbers by state
• Bank of America routing number for Georgia
• Bank of America routing number for New York
• Bank of America routing number for Texas
• Bank of America routing number for California

Frequently Asked Questions

What is the Bank of America routing number for Florida?

The Bank of America routing number for Florida is 063100277. Use this for direct deposit, ACH transfers, bill pay, and paper checks — but only if your account was originally opened in Florida.

I moved to Florida from New York. Is my Bank of America routing number 063100277?

Only if your Bank of America account was opened in Florida. If your account was opened in New York, your routing number is 021000322. Routing numbers are tied to the account’s state of origin, not your current address. Verify in the Bank of America mobile app under account details to confirm which number applies to your specific account.

I retired and moved to Florida. How do I update my Social Security direct deposit to my Bank of America account?

Update at ssa.gov or call the SSA at 1-800-772-1213. Before you call, verify your routing number in the Bank of America app — it may not be 063100277 if your account was opened in another state. Provide the SSA with whichever routing number the app shows, along with your full account number. Expect the change to take 30–60 days to take effect. Keep your previous payment arrangement active in the meantime.

Is 063100277 correct for both Bank of America checking and savings accounts in Florida?

Yes. Both Bank of America checking and savings accounts opened in Florida use routing number 063100277 for ACH transactions and direct deposit.

Can I use 063100277 for a wire transfer?

No. Wire transfers require a different routing number: 026009593 for domestic wires. For international wires — more common in South Florida — use SWIFT code BOFAUS3N along with 026009593 and your account number.

Does Florida have a state income tax refund to direct deposit?

No. Florida has no state income tax, so there’s no Florida state tax refund. For your federal IRS refund, use routing number 063100277 (if your account was opened in Florida) when filing your federal return.

I have a Bank of America account from another state and a new Florida account. Which routing number do I use?

Each account has its own routing number based on where it was opened. Your out-of-state account retains its original routing number. Your Florida account uses 063100277. Verify each account individually in the Bank of America app — tap the specific account and select View account & routing numbers.

Is 026009593 ever the right routing number for a Florida Bank of America account?

Only for wire transfers. 026009593 is Bank of America’s domestic wire routing number for all states — not the Florida ACH number. Using it for direct deposit or ACH will result in a failed or delayed transaction. For all Florida electronic transactions, use 063100277.

Does Bank of America use a different routing number for business accounts in Florida?

Most Bank of America business accounts opened in Florida use the same routing number — 063100277 — for ACH transfers and direct deposit. If your business account was set up through a specialty business banking relationship or has unusual history, verify in the Bank of America app or with your business banker to confirm.

How long does direct deposit take to activate after I submit new banking info?

Most private employers take one to two pay cycles. Social Security and other federal benefit changes take 30–60 days. Submit changes as early as possible and keep your previous payment arrangement active until the new deposit has arrived at least once.

Bottom Line

The Bank of America routing number for Florida is 063100277 for direct deposit, ACH transfers, bill pay, and checks — but only if your account was opened in Florida. For domestic wire transfers, use 026009593. For international wires, use SWIFT code BOFAUS3N.

For Florida specifically, the most important thing to say clearly: if you moved here from another state and kept your Bank of America account, your routing number is almost certainly not 063100277. It reflects wherever you originally opened your account — and Florida’s high rate of in-migration means this affects more Bank of America customers here than in almost any other state. The Bank of America app shows your exact routing number in under a minute. For a state where so many residents arrive with out-of-state banking histories, and where the stakes of a wrong routing number are particularly high for Social Security recipients and retirees on fixed income, that verification step is always worth taking.