Bank of America Routing Number by State (ACH, Wire & Direct Deposit)

Updated regularly • Verified banking data • Full state-by-state list with ACH, direct deposit, wire, and SWIFT details

Quick Answer

Bank of America does not use a single routing number nationwide. Your routing number depends on two things: the state where your account was originally opened, and the type of transaction. ACH transfers, direct deposit, and checks use a state-specific routing number. Domestic wire transfers use 026009593 regardless of state. International wires use SWIFT code BOFAUS3N.

The most important rule before you look anything up: your routing number is tied to where your account was opened, not where you currently live. If you opened your Bank of America account in Virginia and later moved to Colorado, your routing number is still Virginia’s — 051000017. It does not update automatically when you change your address.

Bank of America Routing Numbers by State — Full List

Find your state below. The “Shared With” column shows other states that use the same number — this is intentional and reflects Bank of America’s acquisition history, not an error.

State	ACH / Direct Deposit / Checks	Shared With
Alabama	051000017	See note on 051000017 below
Alaska	051000017	See note on 051000017 below
Arizona	122101706	—
Arkansas	082000073	—
California	121000358	— (Northern CA checks and all ACH); Southern CA checks may show 122000661 — use 121000358 for all ACH
Colorado	123103716	Idaho, Utah
Connecticut	011900254	—
Delaware	031202084	Pennsylvania
Florida	063100277	—
Georgia	061000052	—
Hawaii	051000017	See note on 051000017 below
Idaho	123103716	Colorado, Utah
Illinois	071000505	—
Indiana	071214579	Minnesota
Iowa	073000176	—
Kansas	101100045	—
Kentucky	051000017	See note on 051000017 below
Louisiana	051000017	See note on 051000017 below
Maine	011200365	—
Maryland	052001633	—
Massachusetts	011000138	—
Michigan	072000805	—
Minnesota	071214579	Indiana
Mississippi	051000017	See note on 051000017 below
Missouri	081000032	—
Montana	051000017	See note on 051000017 below
Nebraska	051000017	See note on 051000017 below
Nevada	122400724	—
New Hampshire	011400495	—
New Jersey	021200339	—
New Mexico	107000327	—
New York	021000322	Also used as ACH in NY — see note on 026009593
North Carolina	053000196	—
North Dakota	051000017	See note on 051000017 below
Ohio	071214579	Indiana, Minnesota — verify in app
Oklahoma	103000017	—
Oregon	323070380	—
Pennsylvania	031202084	Delaware
Rhode Island	011500010	—
South Carolina	053904483	—
South Dakota	051000017	See note on 051000017 below
Tennessee	064000020	—
Texas	111000025	—
Utah	123103716	Colorado, Idaho
Vermont	051000017	See note on 051000017 below
Virginia	051000017	See note on 051000017 below
Washington	125000024	—
Washington D.C.	054001204	—
West Virginia	051000017	See note on 051000017 below
Wisconsin	051000017	See note on 051000017 below
Wyoming	051000017	See note on 051000017 below

Always verify your specific routing number in the Bank of America mobile app or online banking before using it for any transaction. The app displays the exact number tied to your account regardless of state.

Which Routing Number to Use — by Transaction Type

Transaction Type	Which Routing Number
Direct deposit (payroll, government benefits)	Your state ACH routing number
ACH transfer between banks	Your state ACH routing number
Recurring bill payments	Your state ACH routing number
Paper checks	Pre-printed on your check (same as ACH for most states; Southern CA may show 122000661 — use 121000358 for ACH)
Linking to PayPal, Venmo, Cash App	Your state ACH routing number
Domestic wire transfer (within U.S.)	026009593 — all states
International wire transfer	SWIFT code BOFAUS3N (plus 026009593 and your account number)

Understanding 051000017 — Bank of America’s Most Widely Used Routing Number

051000017 appears more often in this list than any other number, covering more than a dozen states including Virginia, Alabama, Alaska, Hawaii, Kentucky, Louisiana, Mississippi, Montana, Nebraska, North Dakota, South Dakota, Vermont, West Virginia, Wisconsin, and Wyoming.

The reason traces back to Bank of America’s origins and expansion strategy. 051000017 is Bank of America’s original Virginia-based routing number, used as the default for states where BofA didn’t acquire a regional bank with its own existing routing number. When Bank of America expanded into a new state by opening branches rather than through an acquisition, accounts in those states were assigned to this original routing number rather than creating a new state-specific one.

States with their own unique routing numbers — like California (121000358), Texas (111000025), Massachusetts (011000138), North Carolina (053000196), or Florida (063100277) — typically have them because Bank of America acquired a major regional bank that was already operating there. States with unique routing numbers typically had a strong regional bank that Bank of America acquired — like NationsBank in North Carolina or FleetBoston in Massachusetts.

What this means practically: if your state is listed as 051000017, that’s genuinely the correct number for your Bank of America account — it’s not a placeholder or an error. Verify in the Bank of America app to confirm, but if it shows 051000017, use it with confidence.

Understanding 026009593 — The Double-Duty Number

026009593 causes more Bank of America routing number confusion than any other number in the system. It serves two completely separate functions:

• It’s the ACH routing number for Bank of America accounts opened in New York
• It’s the domestic wire routing number for Bank of America accounts in every state

This mirrors the same double-duty structure that Chase’s 021000021 has in the Chase system. The practical consequences:

• For New York customers: 026009593 is correct for both ACH and wires — the same number serves both purposes for your account.
• For all other states: 026009593 is for wire transfers only. Using it for direct deposit or ACH will result in a failed or delayed transaction.
• The most common mistake: A customer in Texas, Florida, California, or another state searches “Bank of America routing number,” finds 026009593 prominently on a generic page, and uses it for direct deposit. It will fail. Your state’s specific ACH number is what matters.

Why Bank of America Has So Many Different Routing Numbers

Bank of America grew into a national institution primarily through acquisitions, and each acquired bank brought its own routing numbers tied to its own Federal Reserve district and regional processing infrastructure. Rather than migrating millions of customers to new numbers after every merger, Bank of America retained the routing numbers from those legacy institutions.

A few examples of where today’s numbers came from:

• 051000017 — The original Virginia-based routing number, inherited from Bank of America’s East Coast banking operations and assigned to all expansion states where no regional bank was acquired
• 053000196 (North Carolina) — Inherited from NationsBank, which was headquartered in Charlotte and merged with Bank of America (then BankAmerica Corporation) in 1998 to form today’s Bank of America
• 011000138 (Massachusetts) — Inherited from FleetBoston Financial, acquired by Bank of America in 2004
• 121000358 (California) — Traces back to Bank of America’s California origins, where the bank was founded as Bank of Italy in San Francisco in 1904
• 063100277 (Florida) — Inherited through Bank of America’s Southeast banking acquisitions

This history also explains why the routing number system looks somewhat random at first glance — the numbers reflect the geography and timing of acquisitions rather than any systematic regional logic. Two neighboring states can have completely different routing numbers (Virginia and North Carolina) or the same one (Virginia and Wisconsin) depending entirely on how Bank of America entered each market.

What Happens When You Move to a New State

When you move to a new state, your Bank of America routing number does not change. It remains tied to where your account was originally opened. Updating your address with Bank of America, visiting a branch in your new state, or opening an additional account locally while keeping your original account open — none of these change your existing account’s routing number.

The only way to get a routing number from your new state is to open a brand new Bank of America account at a branch in that state. If you do this while keeping your old account, you’ll have two accounts with potentially two different routing numbers — and you’ll need to use the right one for each when setting up deposits or transfers.

Practical advice: before setting up any new direct deposit, payment app link, or ACH transfer after a move, check the Bank of America app to confirm exactly which routing number is tied to each of your accounts. Don’t assume based on your current state.

The Southern California Check Number Issue

California has one routing number wrinkle worth calling out specifically because it trips up Southern California customers more than any other state-level issue in the Bank of America system.

Bank of America has historically used two ABA numbers within California:

• 121000358 — Northern California ABA and ACH number (statewide for all electronic transactions)
• 122000661 — Southern California ABA number for check ordering and paper check clearing only

If you have a Southern California Bank of America account and your checks show 122000661 at the bottom, that number is for paper check processing only. For all electronic transactions — direct deposit, ACH, payment app links, bank-to-bank transfers — use 121000358 regardless of where in California your account was opened. This distinction matters when apps attempt to auto-fill your routing number from a check image and pull 122000661 instead of 121000358.

How to Find Your Exact Bank of America Routing Number

Bank of America Mobile App (Fastest)

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.

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

The first 9-digit number at the bottom-left of any Bank of America check 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. Note the Southern California exception above — if your checks show 122000661, use 121000358 for electronic transactions.

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.

Common Mistakes That Cause Failed Deposits and Transfers

• Using 026009593 for direct deposit outside New York. This is the most common Bank of America routing mistake. 026009593 is the wire number for all states and the ACH number only for New York. For every other state, using it for direct deposit will result in a failed transaction.
• Using 051000017 when your account is from a state with a unique number. If your account is from California, Texas, Florida, or another state with its own routing number, 051000017 is wrong for you — even though it’s a valid Bank of America number.
• Using a state’s ACH number for a wire transfer. Wire transfers require 026009593, not your state’s ACH number. Using the wrong one will cause the wire to fail.
• Assuming your routing number updated when you moved. It didn’t. Your routing number reflects your account’s state of origin permanently.
• Using 122000661 for electronic transactions in Southern California. That’s the Southern California check ABA number — not for ACH or direct deposit. Use 121000358 for all electronic transactions in California.
• Confusing Bank of America’s wire number with Chase’s wire number. Bank of America wires use 026009593. Chase wires use 021000021. If you bank at both, don’t swap these when setting up transfers.
• Confusing routing number with account number. The routing number is always exactly 9 digits. Your account number is longer. Both appear at the bottom of your check.

Bank of America vs. Chase: Key Routing Number Differences

Many customers bank at both Bank of America and Chase. Here are the most important numbers to keep straight when transferring between the two:

Transaction	Bank of America	Chase
California ACH / direct deposit	121000358	322271627
Texas ACH / direct deposit	111000025	111000614
Florida ACH / direct deposit	063100277	267084131
New York ACH / direct deposit	021000322	021000021 (downstate) / 022300173 (upstate)
Domestic wire (all states)	026009593	021000021
International wire SWIFT	BOFAUS3N	CHASUS33

State-by-State Bank of America Routing Number Guides

Each guide below covers the specific routing number for that state, real-world examples, local confusion points, verification steps, and a full FAQ.

• Bank of America routing number for California — Northern vs. Southern CA check split; gig economy and FTB refund details
• Bank of America routing number for Texas — 026009593 confusion; Bank of America vs. Chase wire number differences
• Bank of America routing number for Florida
• Bank of America routing number for New York
• Bank of America routing number for Arizona
• Bank of America routing number for Nevada
• Bank of America routing number for Washington

Other Bank Routing Number Guides

• Chase routing numbers by state
• Wells Fargo routing numbers by state
• PNC routing numbers by state
• U.S. Bank routing numbers by state

Frequently Asked Questions

What is the Bank of America routing number for direct deposit?

It depends on which state your account was opened in. Common examples: California 121000358, Texas 111000025, Florida 063100277, New York 021000322, Illinois 071000505, Virginia and many other states 051000017. Use the full table above or verify in the Bank of America mobile app under account details.

What is routing number 026009593?

026009593 is Bank of America’s domestic wire routing number, used for wire transfers from all states. It is also the ACH routing number for Bank of America accounts opened in New York. For every other state, 026009593 is for wire transfers only — using it for direct deposit or ACH in another state will result in a failed transaction.

What is routing number 051000017?

051000017 is Bank of America’s original Virginia-based routing number, used as the default ACH routing number for more than a dozen states where Bank of America expanded without acquiring a regional bank. If your state is listed as 051000017, that is genuinely your correct routing number — it is not a placeholder. Verify in the Bank of America app to confirm.

Does Bank of America use one routing number for all states?

No. Bank of America maintains separate ACH routing numbers for different states, based on where each account was originally opened. The only number that applies nationwide is 026009593 — but only for domestic wire transfers, not for ACH or direct deposit.

Does my routing number change when I move to a new state?

No. Your routing number is permanently tied to the state where your account was originally opened. Moving, updating your address, or visiting a branch in your new state does not change it. The only way to get a routing number from your new state is to open a new Bank of America account there.

Why do so many states share the same Bank of America routing number?

States that share a routing number were either grouped within the same Bank of America regional processing system, or Bank of America expanded into those states by opening branches rather than through acquisition — defaulting to 051000017 for all such states. States with unique routing numbers typically had a major regional bank that Bank of America acquired, which brought its own legacy routing number.

What is the Bank of America wire routing number?

Use 026009593 for all domestic wire transfers, regardless of which state your account is from. For international wires, use SWIFT code BOFAUS3N along with 026009593 and your account number.

I have two Bank of America accounts. Do they have the same routing number?

Not necessarily. If both accounts were opened in the same state, they share the same routing number. If they were opened in different states, they may have different routing numbers. Verify each account individually in the Bank of America app by tapping the specific account and selecting View account & routing numbers.

What is the difference between Bank of America’s wire number and Chase’s wire number?

Bank of America domestic wires use 026009593. Chase domestic wires use 021000021. These are different numbers for different banks. If you’re transferring between a Bank of America account and a Chase account, confirm which routing number belongs to which bank before initiating the transfer.

My Southern California Bank of America checks show 122000661. Is that my routing number?

For paper check clearing in Southern California, 122000661 is the check ABA number. But for all electronic transactions — direct deposit, ACH transfers, payment app links — use 121000358 regardless of where in California your account was opened. The Bank of America app will confirm 121000358 as the electronic routing number for your California account.

How do I find my Bank of America routing number without a check?

The fastest method: open the Bank of America app, sign in, tap your account, tap Information & Services, then select View account & routing numbers. Both your routing number and account number will appear. You can also find it in Bank of America online banking under account details, or by calling 1-800-432-1000.

Bottom Line

Bank of America routing numbers vary by state and by transaction type. For direct deposit, ACH transfers, and checks, use the routing number tied to the state where your account was originally opened. For domestic wire transfers, use 026009593 regardless of state. For international wires, use SWIFT code BOFAUS3N.

The two rules that prevent most routing number problems: never use 026009593 for ACH outside of New York, and always verify in the Bank of America app before setting up any new deposit or transfer — especially if you’ve moved, have multiple accounts, or your state is one of the many that share 051000017 and you want to confirm that’s genuinely your number.