Quick answer: which routing number should you use
For most Bank of America personal checking and savings accounts in the United States, use the ACH routing number 026009593. This is the default for direct deposit, ACH bill pay, and most electronic transfers. A different routing number applies to wire transfers and to accounts opened in certain states or branches; using the wrong one can delay or misroute your payment. When in doubt, verify the number on the official disclosure or your Bank of America account materials.
How routing numbers work and why accuracy matters
A routing number is a nine-digit code that identifies the financial institution and the branch or region where an account was opened. In the U.S., these codes are assigned under the ABA routing number system. Providing the correct routing number is essential because it directs payments to the correct bank and location. Even small mismatches can lead to returns, delays, fees, or the need to reverse and resend transactions. Know your account type and payment method, and double-check the number before submitting payment.
ABA routing number basics
The American Bankers Association (ABA) routing transit number standardizes how institutions are identified in the clearing and settlement system. It is required for ACH and wire instructions, preauthorized payments, checks, and some mobile deposits. The same institution can have multiple routing numbers based on region, payment type, or product. For Bank of America, 026009593 is widely used for automated payments, while wire operations may require a separate number. Rules and formats differ by country, so these details apply primarily to U.S. accounts.
Key facts at a glance
| Detail | Verified Detail | Source Type |
|---|---|---|
| Primary ACH routing number for Bank of America (U.S.) | 026009593 | Bank disclosures and regulatory filings |
| Wire routing guidance | Contact Bank of America for the correct wire routing; confirm with sender and recipient banks | Bank guidance and federal wire rules |
| Check formatting | ABA number appears in two formats: magnetic (bottom left) and fractional (top right of check) | Check printing standards and sample checks |
| When numbers differ by state or product | Accounts opened in limited states and certain business products may use a different routing number | Bank of America official resources |
Where to find the correct routing number for Bank of America
You can locate the official routing number for your Bank of America account in several reliable ways. First, check the bottom of a personal check: the sequence on the bottom left is the ABA routing number, while the account number follows it and the check number is on the far right. Second, sign in to your online banking, view the account details section, and look for direct deposit or payment instructions. Third, review the deposit account agreement or any welcome packet provided when you opened the account. Finally, you can contact Bank of America customer service for your region-specific routing number if you remain unsure.
How to read a check
- Routing number (ABA): the nine-digit code at the bottom left
- Account number: the middle grouping, specific to your account
- Check number: the last set at the top right and bottom right for reference
- Fractional form: a smaller number at the top right of the check can also represent the routing number
Routing numbers for different transaction types
Use the right routing number depending on whether you are setting up direct deposit, paying bills online, sending a wire, or initiating an ACH transfer. For direct deposit and most ACH bill payments, 026009593 is generally correct for Bank of America personal accounts. Wire transfers often require a distinct routing number and additional details, such as the Wire ID or intermediary information. International transfers may use SWIFT codes in place of or alongside ABA numbers. Always confirm the transaction type with your bank and with the receiving party before submitting instructions.
Routing number by transaction method
| Transaction type | Routing number guidance | Notes |
|---|---|---|
| Direct deposit | 026009593 (typically) | Confirm with your payroll or benefits provider |
| ACH bill pay | 026009593 (typically) | Verify within your bank’s payment portal |
| Domestic wire | Confirm with Bank of Americas wire department | May differ by account and region |
| International transfer | SWIFT/BIC may be used in addition to routing details | Check Bank of Americas international guidance |
Common mistakes and how to avoid them
One of the most frequent errors is copying a routing number from an old check or an outdated online source, especially after a line merge or bank reorganization. Another mistake is using the same routing number for wire and ACH instructions without verifying that the bank requires separate entries. Always ensure that the routing number, account number, and transaction type match across the sender, the bank, and the recipient. When in doubt, contact your bank or the receiving party to confirm the exact details before you submit payment.
Special cases and exceptions
Certain Bank of America products and account holders may use a routing number other than 026009593. Business accounts, accounts opened in specific states, and priority payment channels sometimes require a different routing number for compliance or processing reasons. If you are unsure, check your account agreement, recent statements, or the payment instructions provided in your online banking. You can also call Bank of America support and reference the specific account and transaction type to confirm the correct routing number.
How to double-check before you send money
Before submitting a payment, confirm the routing number by reviewing one of the reliable sources listed earlier and by cross-checking with the receiving party. Re-enter the number carefully, validate each digit, and ensure you are selecting the correct transaction channel (ACH vs wire). For large or time-sensitive transfers, consider confirming the details by secure message or phone with your bank. Keep a record of the transaction confirmation, including the routing number used, for your reference and for dispute resolution if needed.
When to contact Bank of America
If you are setting up a new direct deposit, changing banks, or troubleshooting a failed payment, contact Bank of America directly. Their support team can clarify whether your specific account uses the standard ACH routing number or requires a different routing for wires or specialty products. Have your account number and transaction details ready so the representative can provide accurate guidance. When you receive instructions from the bank, repeat them back in writing or by secure message to reduce errors.