Bank of America routing number for New York

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

Quick Answer

The Bank of America routing number for New York is 021000322. 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.

New York is the state where Bank of America routing number confusion is most acute — and it comes down to one specific issue: 026009593 appears constantly in Bank of America documentation, on generic routing number search results, and in payment app auto-fill fields. For New York customers specifically, this is a problem: 026009593 is Bank of America’s domestic wire routing number for all 50 states. It is not your ACH routing number. Your New York ACH number is 021000322. Using 026009593 for direct deposit or ACH will route your transaction through Bank of America’s wire processing system rather than the ACH network — which may result in a delayed return rather than an instant rejection, making the error harder to catch.

What Is the Bank of America Routing Number for New York?

The ACH routing number for Bank of America accounts opened in New York is 021000322. This applies statewide — whether your account was opened in New York City, Buffalo, Rochester, Syracuse, Albany, Yonkers, 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 submits 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.

The 026009593 Confusion — Why It Matters Most in New York

026009593 causes more Bank of America routing confusion in New York than in any other state, and the reason is worth understanding clearly.

026009593 appears in two contexts simultaneously:

• As the domestic wire routing number for Bank of America accounts in every state — California, Texas, Florida, Ohio, and everywhere else including New York
• Listed as the New York ACH number on several third-party routing number websites that conflate the wire number with the New York state ACH number

The correct New York ACH number is 021000322. This is what appears on the bottom of New York-opened Bank of America checks, what Bank of America’s own account details screen shows for New York accounts, and what the Federal Reserve’s own routing number records list for Bank of America’s New York ACH processing.

Why does this matter more for New York than other states? Because New York-based financial transactions are high-volume and high-stakes. New York has an outsized concentration of financial industry workers, international residents sending and receiving money across borders, and businesses managing large payrolls. Getting the ACH number versus the wire number wrong in this context isn’t just an inconvenience — it can delay payroll deposits, misdirect tax refunds, or cause payment app linking failures at critical moments.

The simplest rule: 026009593 is for wires only. 021000322 is for everything else.

When New York Customers Use This Routing Number

You’ll need 021000322 any time you’re electronically connecting a payment or deposit to your New York-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 New York, commute from New Jersey or Connecticut, or work remotely for an out-of-state employer.
• Federal and state government deposits: IRS tax refunds, Social Security, veterans benefits, unemployment, and New York State tax refunds (processed through the New York State Tax Department).
• 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.
• Recurring bill payments: Auto-pay for utilities, rent, insurance, 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 New York-opened Bank of America checks as 021000322.

Real-World Examples

Setting Up Direct Deposit in New York

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 021000322 as the routing number. Your account number is the longer string of digits at the bottom of your check, typically 10–12 digits long.

New York City employers — particularly in finance, media, healthcare, and government — are high-volume payroll environments. Many payroll administrators are familiar with both 021000322 and 026009593 as Bank of America numbers, which is exactly why errors happen: some payroll systems auto-populate 026009593 when “Bank of America” is selected, because that’s the number most prominently associated with the bank in routing databases. If your payroll portal auto-fills a routing number for Bank of America, verify it’s 021000322 before submitting — not 026009593.

New direct deposit setups take one to two pay cycles to activate. If you submit after your employer’s payroll cutoff, that check arrives via your previous method. New York City’s financial industry operates on tight payroll schedules — submit changes as early as possible in the pay cycle.

New York State Tax Refund Direct Deposit

New York State has its own income tax, filed with the New York State Department of Taxation and Finance. When filing your New York State return (Form IT-201) and electing direct deposit, enter 021000322 as the routing number. This is in addition to your federal IRS return, which uses the same routing number. New York State refunds typically arrive within 2–3 weeks for e-filed returns with direct deposit. Paper returns take longer. A wrong routing number on a state tax return delays your refund and requires the Tax Department to issue a paper check instead — which can add 4–6 weeks.

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

When adding your Bank of America New York 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 021000322.

This is where the 026009593 confusion creates the most day-to-day problems for New York Bank of America customers. Many payment apps auto-fill 026009593 when you select “Bank of America” from a bank list — because 026009593 is the most widely indexed Bank of America routing number across third-party databases. If the app populates 026009593, override it with 021000322 before finalizing the link.

Micro-deposit verification eliminates this risk entirely: the app sends two small test deposits (under $0.50 each) to your account within 1–2 business days, and you confirm the amounts to complete the link — no routing number entry, no auto-fill errors.

Transferring Between Bank of America and Chase in New York

New York has large populations of both Bank of America and Chase customers. If you bank at both and set up ACH transfers between them, keep these numbers straight:

• Bank of America New York ACH: 021000322
• Chase New York ACH (downstate — NYC, Long Island, Westchester): 021000021
• Chase New York ACH (upstate): 022300173
• Bank of America domestic wire: 026009593
• Chase domestic wire: 021000021

Note that Chase’s downstate New York ACH number (021000021) is also Chase’s nationwide wire number — a parallel double-duty situation to Bank of America’s 026009593. If you bank at both institutions in New York, you’re navigating two different double-duty numbers simultaneously. The Bank of America app and Chase app both display your correct routing numbers in their account details screens — confirming in the app for each bank is the cleanest way to avoid cross-bank confusion.

ACH Transfers Between Banks

When moving money between your Bank of America account and another institution — funding a Fidelity or Schwab brokerage, transferring from a New York credit union, or moving to a high-yield savings account — the outside bank will ask for Bank of America’s routing number and your account number. Use 021000322. Standard ACH transfers settle in 1–3 business days. 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, verify the routing number shown in the order preview is 021000322 before confirming. Checks printed with the wrong routing number are returned unpaid — a significant issue in New York City’s rental market, where landlords and property management companies frequently require checks for rent, security deposits, and broker fees.

Wire Transfers: Same Number, Different Function

For New York Bank of America customers, this section is more important than for any other state because your ACH number (021000322) and your wire number (026009593) are genuinely different — but the wire number is the one that appears most prominently online, creating a persistent risk of confusion.

• 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. New York has significant international banking activity — if you’re receiving wires from abroad, confirm with the sending institution whether they also need a branch address.

Wires are typically processed same-day if initiated before Bank of America’s cutoff (generally 5:00 PM ET for domestic wires). If you’re receiving a wire into your Bank of America New York account, provide the sender with 026009593, your account number, and Bank of America’s name and address. For a full comparison, see ACH vs wire transfers explained.

Why Bank of America Has a Separate ACH Number for New York

Bank of America’s routing number structure reflects the banks it acquired over decades. New York’s ACH routing number (021000322) is distinct from the wire number (026009593) because it was assigned through a different part of Bank of America’s acquisition and processing history — tied to the banking infrastructure that Bank of America inherited when it established a significant New York presence through prior mergers.

The wire number 026009593, meanwhile, became the universal Bank of America wire routing number across all states — but it also became closely associated with New York in routing databases because of New York’s historic role as the center of U.S. banking and the Federal Reserve’s Second District. This association between 026009593 and New York — even though it’s a wire number used nationwide — is why so many third-party sites incorrectly list it as New York’s ACH number. The correct New York ACH number is 021000322.

What Happens When You Move From New York

New York is the largest single source of out-of-state migrants in the country, with Florida, New Jersey, California, and Texas as the most common destinations. If you’ve moved and kept your Bank of America New York account, your routing number remains 021000322 — the New York number — until you open a new account in your new state.

This matters in reverse too. If you moved to New York from another state and kept your Bank of America account, your routing number is not 021000322 — it reflects wherever your account was originally opened. A Bank of America account from Florida that you brought to New York still uses 063100277 for ACH. The Bank of America app shows your exact routing number regardless of where you currently live.

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. For a New York-opened account, this will show 021000322 — not 026009593. If it shows 026009593, contact Bank of America to confirm which number applies to your specific account.

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 issued on a New York account. The first 9-digit number is the routing number — for a New York-opened account this will be 021000322. The longer number to its right is your account number, and the number at the far right is the check number.

Call Bank of America

Call 1-800-432-1000 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 can clarify whether to use 021000322 or 026009593 for the specific transaction you’re setting up.

Common Mistakes to Avoid

• Using 026009593 for ACH or direct deposit. This is the single most common Bank of America mistake for New York customers. 026009593 is the wire number — using it for direct deposit or ACH will likely produce a soft failure (delayed return) rather than an immediate rejection, making it harder to catch quickly.
• Trusting auto-filled routing numbers in payroll systems or apps. Many systems and apps auto-populate 026009593 for Bank of America because it’s the most widely indexed number. Always verify the field shows 021000322 before submitting any direct deposit or ACH setup.
• Assuming your routing number changed when you moved to New York. It didn’t. If your account was opened in another state, that state’s routing number still applies until you open a new New York account.
• Using 021000322 for a wire transfer. Wire transfers require 026009593. Using the ACH number for a wire will cause the transfer to fail or be returned.
• Confusing Bank of America’s New York ACH number with Chase’s downstate ACH number. Bank of America New York ACH is 021000322. Chase downstate New York ACH is 021000021. These numbers differ by one digit in the last position. If you bank at both, this is an easy and consequential transposition to make.
• 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.

What Happens If You Enter the Wrong Routing Number

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

If you use 026009593 for New York ACH: Because 026009593 is a valid Bank of America routing number, the transaction may not be immediately rejected. It may instead attempt to process through Bank of America’s wire or alternate processing pathway, resulting in a delayed return rather than an instant failure. This is the most insidious type of routing number error — it doesn’t surface immediately, which means you may not realize the problem for several business days.

If you transpose one digit (e.g., entering 021000321 instead of 021000322): The transaction fails checksum validation and is rejected outright within 1–3 business days. Funds return to the sender. Nothing is permanently lost, but there’s a delay and you’ll need to resubmit and wait another payroll cycle.

If the routing number routes to a different bank: The payment reaches a different institution’s system. Since your account number almost certainly doesn’t exist there, the transaction is rejected and returned. This adds extra 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 there. Recovering misdirected ACH payments requires a formal dispute with Bank of America and can take weeks. Contact Bank of America at 1-800-432-1000 immediately and document everything.

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

New York vs. Neighboring States: Bank of America Routing Number Comparison

New York borders six states. Many New Yorkers also commute from or have financial ties to neighboring states. This table shows how Bank of America routing numbers differ across the region:

State	Bank of America ACH Routing Number
New York	021000322
New Jersey	021200339
Connecticut	011900254
Pennsylvania	031202084
Massachusetts	011000138
Vermont	051000017
Wire number (all states)	026009593

Note: Every state bordering New York uses a different Bank of America ACH routing number. The wire number (026009593) is included in this table specifically because it’s the number most frequently confused with New York’s ACH number. They are not the same thing. Always verify your specific account in the Bank of America app.

More Bank of America Routing Number Guides

• Browse all Bank of America routing numbers by state
• Bank of America routing number for New Jersey
• Bank of America routing number for Florida
• Bank of America routing number for California
• Bank of America routing number for Texas

Frequently Asked Questions

What is the Bank of America routing number for New York?

The Bank of America ACH routing number for New York is 021000322. Use this for direct deposit, ACH transfers, bill pay, and paper checks. For wire transfers, use 026009593.

Why do some sites list 026009593 as the Bank of America New York routing number?

026009593 is Bank of America’s domestic wire routing number for all states — and it’s closely associated with New York in many routing databases because of New York’s central role in U.S. banking. Some third-party sites incorrectly list it as the New York ACH number. The correct New York ACH routing number is 021000322. For direct deposit and ACH, always use 021000322. Reserve 026009593 for wire transfers only.

Is 021000322 correct for both Bank of America checking and savings accounts in New York?

Yes. Both Bank of America checking and savings accounts opened in New York use routing number 021000322 for ACH transactions and direct deposit.

What’s the difference between Bank of America’s New York number and Chase’s New York number?

Bank of America New York ACH: 021000322. Chase downstate New York ACH (NYC, Long Island, Westchester): 021000021. These differ by one digit. If you bank at both institutions, confirm each bank’s number in its respective app before entering either for a payroll form or transfer setup.

Can I use 021000322 for a wire transfer?

No. Wire transfers require 026009593 for domestic wires. Using 021000322 for a wire will cause the transfer to fail or be returned.

I moved from New York to Florida. Is my routing number still 021000322?

Yes — if your Bank of America account was opened in New York and you haven’t opened a new account in Florida. Routing numbers are tied to the account’s state of origin. Your New York account keeps 021000322 regardless of where you now live. Verify in the Bank of America app to confirm.

I moved to New York from another state. Is my Bank of America routing number 021000322?

Only if your account was originally opened in New York. If you brought a Bank of America account from Florida, Georgia, or any other state, that account’s routing number reflects its state of origin — not New York. Verify in the Bank of America mobile app to confirm which number applies to your specific account.

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

Most Bank of America business accounts opened in New York use 021000322 for ACH and direct deposit. If your business account was established through a specialty commercial banking relationship, verify in the Bank of America app or with your business banker to confirm.

How do I set up New York State tax refund direct deposit with Bank of America?

When filing your New York State return (Form IT-201) electronically, enter 021000322 as the routing number along with your Bank of America account number. This is separate from your federal return. New York State e-filed refunds with direct deposit typically arrive within 2–3 weeks of acceptance.

Bottom Line

The Bank of America routing number for New York is 021000322 for direct deposit, ACH transfers, bill pay, and checks. For domestic wire transfers, use 026009593. For international wires, use SWIFT code BOFAUS3N.

For New York specifically: the most consequential mistake is using 026009593 for ACH or direct deposit. It’s the wire number — and because it’s a valid Bank of America routing number, using it for ACH may produce a delayed return rather than an immediate rejection, making the error slower to surface. If a payroll system, payment app, or website auto-fills 026009593 for your Bank of America account, override it with 021000322. The Bank of America app’s account details screen shows your exact routing number and is always more reliable than any third-party source or auto-fill.