Reliable, efficient and predictable electronic payments
Bank of America’s Automated Clearing House (ACH) is an electronic payment delivery system that allows you to pay or collect funds electronically through the ACH network — one of the world’s safest, most reliable payment networks. With greater speed, accuracy and efficiency, ACH offers more control over the timing of payments posting to your bank accounts. Use ACH to help improve forecasting, reduce exposure to check fraud, cut expenses and get faster access to funds.
Fraud prevention with ACH
Switching from checks to ACH can greatly help reduce risks. Our fraud prevention tools can protect you against unauthorized transactions to your accounts.
ACH Positive Pay with mobile approvals
Take control of ACH transactions received in your accounts. Automatically accept authorized transactions from trading partners, decide whether to pay or return ACH exceptions in real-time, and update your ACH authorizations. Exceptions that require either primary or secondary approval, or both, can also be approved using your mobile device.
Account Validation
Prior to initiating electronic credits or debits in the U.S., our Account Validation service can help you validate whether a bank account is open and if it belongs to the person authorizing payment to or from the account. The service can also help you to comply with the Nacha WEB Debit Account Validation rule that went into effect on March 19, 2021. With this new rule, ACH Originators of WEB debit entries are required to use a “commercially reasonable fraudulent transaction detection system” to screen WEB debits for fraud. The supplemental requirements apply to the first use of an account number, or changes to the account number. Please visit Nacha.org for full rule details and/or rule modifications.
Ways to use ACH
Make and receive a wide range of recurring and nonrecurring payments.
Direct deposit: Pay employees and other consumers
Consumer receipts: Collect utility bills, insurance premiums, mortgage payments and more
Business payments: Send funds to suppliers and other B2B counterparties
Tax payments: Make federal, state and local tax payments
Cash concentration: Consolidate funds from various locations
Cross-border: Connect in Canada, Mexico, Panama and Europe
How ACH works
While most ACH transactions post on the following day, we offer same-day posting for eligible transactions destined for accounts at Bank of America and other Receiving Depository Financial Institutions.
Learn more about Same-Day ACH >
It’s easy to ACH payments and receipts via CashPro® ACH, CashPro® Connect and CashPro® API. You can create and deliver a standard ACH-formatted file using your business software, a payroll vendor or our ACH service.
Nacha rule changes
The following are select Nacha Operating Rule changes. To access the full list of Nacha Operating Rules, visit Nacha.org.
MARCH 18, 2022
Same Day ACH Dollar Limit increase from $100,000.00 to $1,000,000.00
The Same Day ACH Dollar Limit Increase rule will increase the per-transaction dollar limit from $100,000 to $1,000,000. At implementation, both Same Day ACH credits and Same Day ACH debits will be eligible for same-day processing up to $1,000,000 per transaction.
SEPTEMBER 16, 2022 and MARCH 17, 2023
The proposed rule amendment on Micro-Entries was approved on February 1, 2022.
This Rule:
- Defines “Micro-Entries” as ACH credits of less than $1 and any offsetting ACH debits used for the purpose of verifying a Receiver’s account
- Company Name requirements for Micro-Entries
- Establishes other Micro-Entry origination practices
- Applies risk management requirements to the origination of Micro-Entries
This Rule will become effective in two phases:
Phase 1 – SEPTEMBER 16, 2022
The term Micro-Entries will be defined, and Originators will be required to use the standard Entry description and follow other origination practices.
Phase 2 – MARCH 17, 2023
Originators of Micro-Entries will be required to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes.
SEPTEMBER 30, 2022
Nested Third-Party Sender
This rule will define a Nested Third Party Sender, and will provide for the “chain of agreements” and responsibilities in Nested TPS arrangements.
- A “Nested Third-Party Sender” will be defined as a Third-Party Sender that has an agreement with another Third-Party Sender to act on behalf of an Originator, and does not have a direct agreement with the ODFI.
- Nested TPSs will be addressed in ACH Origination Agreements
The overarching purpose of these Rules is to further clarify the roles and responsibilities of Third-Party Senders (TPS) in the ACH Network by:
- Addressing the existing practice of Nested Third-Party Sender relationships, and
- Making explicit and clarifying the requirement that a TPS conduct a Risk Assessment.
The two Rules will become effective September 30, 2022, with a 6-month grace period for certain aspects of each rule.
This rule amendment will further provide that:
- An ODFI will identify in Nacha’s Risk Management Portal all Third-Party Senders that allow Nested Third-Party Sender relationships.
- Upon request, an ODFI will provide Nacha with the Nested TPS relationships for any TPS.
- Identification of TPSs with Nested Third-Party Senders in the Risk Management Portal will follow the same time frames as registering TPS in the Portal:
- TPS with Nested TPS will be registered as such within the later of 30 days of Transmitting the first Entry, or within 10 days of the ODFI becoming aware of the Nested TPS.
- Registration information will be updated within 45 days of any change to the information previously provided.
JUNE 30, 2022
Supplementing Data Security – Phase 2: Transmission Volume Exceeds 2 Million Transactions Annually
The Supplemental Data Security Requirements rule expands the existing ACH Security Framework (NACHA Rule Section 1.6) to explicitly require large, non-financial institution Originators, Third-Party Service Providers, and Third Party Senders to protect account numbers used in the initiation of ACH entries by rendering them unreadable when stored electronically. The rule applies only to account numbers collected for or used in ACH transactions.
Going forward after calendar year 2021, any Originator, Third-Party Service Provider, or Third-Party Sender that originates 2 million or more ACH transactions in any calendar year will need to be compliant with the rule by June of the following calendar year.
Speak with your Bank of America representative to learn more.
FAQs
What does ACH r/t mean?
Automated Clearing House routing numbers are nine-digit routing numbers which are assigned for electronic transactions between financial institutions. This number is unique to banks and their branches and identifies the clearing house.
Why does Bank of America have two routing numbers?
They are designed to help banks internally work out where money is coming from (location) and what it’s for (task). As a consequence, large banks with exposure to multiple geographic markets and domains of service use multiple numbers to show them exactly what’s going on
How long does ACH transfer Take Bank of America?
Three-Business-Day Domestic ACH transfers: Funds will be debited from your Bank of America account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the third business day after the transfer is initiated
What time does ACH Post Bank of America?
We generally expect to report Same Day ACH debits as received in business accounts around 2:30 p.m. and 5 p.m. Eastern.
Why did I get an ACH refund?
An ACH return is, put simply, a message that lets the ODFI know the ACH Network couldn’t collect funds from or deposit funds into a Receiver’s account. Typically, an ACH return comes from the RDFI, but in some instances the ODFI or even the ACH Operator itself might send such a message.
Why would an ACH be returned?
What Causes ACH Returns? ACH returns (sometimes referred to as ACH rejects) are initiated when the transaction cannot process as intended. Because ACH transactions do not process in real-time like a credit or debit card authorization, they can be returned or rejected after the transaction is assumed complete.
Is 026009593 an ACH routing number?
ACH Routing Number 026009593 – BANK OF AMERICA N.A.
What is ACH number for Bank of America?
Bank of America ACH transfer routing number
The ACH routing number for Bank of America is 026009593.
Why is my ACH transfer taking so long?
One of the reasons that ACH settlements take so long is the number of parties involved in the transaction. Payment processors collect payment data from merchants. The payment data is sent to an originating bank, which submits the ACH data to Federal Reserve for overnight processing.
How long does an ACH hold last?
ACH credit transfer speed: Financial institutions can choose to have ACH credits processed and delivered within the same day, or in one to two business days. ACH debit transfer speed: In contrast, ACH debit transactions must be processed by the next business day.
How fast do ACH payments clear?
Speed. ACH payments can take several days to process ? typically between three to five business days.
How long does a pending ACH transaction take to clear?
But what does a “Pending” status on an ACH payment mean? True ACH payments/transfers from one bank to another traditionally take 5-7 business days.
How long can a bank hold an ACH deposit?
Regulation CC permits banks to hold certain types of deposits for a ?reasonable period of time,? which generally means: Up to two business days for on-us checks (meaning checks drawn against an account at the same bank) Up to five additional business days (totaling seven) for local checks.
What time of day do ACH transactions post?
When successfully submitted, ACH Credits always post to the Receiver’s account by 8:30 AM (Central) on the following banking day ? or the same day if you’re using Same Day ACH.
Can I track an ACH payment?
Find the ACH transaction trace number. Every ACH transaction has two Trace IDs, including one for the source and one for the destination. You should be able to find these ACH transaction trace numbers listed in your online banking or payment account, listed under a heading such as ‘transaction details’.
How long do ACH transfers take?
On average, ACH transfers take about one to three business days to complete. There are two kinds of ACH transactions?ACH debit transactions and ACH credit transactions?and NACHA mandates different processing speeds for each. ACH credit transactions.
Is ACH direct deposit?
A ?direct deposit? is a type of payment made via the ACH network. It’s an informal name for common ACH deposits where individuals receive payments directly into their bank accounts.
Is ACH credit direct deposit?
Direct deposit, or direct payment, is just another term for an ACH credit. Again, that’s when your ACH transaction is pushing funds out of your account. Some of the most common types of direct deposits include electronic tax refund payments from the IRS and Social Security payments for retirees.
Bank of America Routing Number FAQs: Find Your ABA …
Bank of America Routing Number FAQs: Find Your ABA Routing NumberFAQs: Routing NumbersSelect Your StatePlease tell us where you bank so we can give you accurate rate and fee information for your location. | What do the terms ABA and Routing Number mean? ABA stands for American Banker’s Association, a banking industry association that developed the routing transit number system used for paper checks and electronic funds transfers sent via Automatic Clearing House (ACH).Routing Number is a 9-digit identification number commonly found at the bottom of a check, used by financial institutions to identify where a bank account is located. In this regard it is similar in nature and function to how a zip code works for residential and commercial addresses.This sample check image shows where ABA routing numbers can be found on your checks. (Refer to your own check for your specific numbers.) Do you have a list of Routing Numbers I can review? To minimize any potential problems or errors caused by providing the inaccurate routing number for your account, we recommend that you follow the instructions above to sign-in to our website or mobile app to confirm your specific routing number, or if you are a third-party attempting to help our client, please take time to verify routing information with the account holder.We do have a list of routing numbers for each state which can be viewed below, however please do not make assumptions. Routing numbers are based on the state in which the account was opened, therefore the number may be different than the state or region in which you or our client currently reside.Electronic payment (for example: direct deposits, automatic payments and ACH transfers):051000017Paper (for example: ordering checks):051000017Electronic payment (for example: direct deposits, automatic payments and ACH transfers):051000017Paper (for example: ordering checks):051000017Electronic payment (for example: direct deposits, automatic payments and ACH transfers):122101706Paper (for example: ordering checks):122101706Electronic payment (for example: direct deposits, automatic payments and ACH transfers):082000073Paper (for example: ordering checks):082000073Electronic payment (for example: direct deposits, automatic payments and ACH transfers):121000358Paper (for example: ordering checks):121000358Electronic payment (for example: direct deposits, automatic payments and ACH transfers):123103716Paper (for example: ordering checks):123103716Electronic payment (for example: direct deposits, automatic payments and ACH transfers):011900254Paper (for example: ordering checks):011900571Electronic payment (for example: direct deposits, automatic payments and ACH transfers):031202084Paper (for example: ordering checks):031202084Electronic payment (for example: direct deposits, automatic payments and ACH transfers):054001204Paper (for example: ordering checks):054001204Electronic payment (for example: direct deposits, automatic payments and ACH transfers):063100277Paper (for example: ordering checks):063000047Electronic payment (for example: direct deposits, automatic payments and ACH transfers):063100277Paper (for example: ordering checks):063100277Electronic payment (for example: direct deposits, automatic payments and ACH transfers):061000052Paper (for example: ordering checks):061000052Electronic payment (for example: direct deposits, automatic payments and ACH transfers):051000017Paper (for example: ordering checks):051000017Electronic payment (for example: direct deposits, automatic payments and ACH transfers):123103716Paper (for example: ordering checks):123103716Electronic payment (for example: direct deposits, automatic payments and ACH transfers):081904808Paper (for example: ordering checks):081904808Electronic payment (for example: direct deposits, automatic payments and ACH transfers):071000505Paper (for example: ordering checks):071000505Electronic payment (for example: direct deposits, automatic payments and ACH transfers):081904808Paper (for example: ordering checks):071103619Electronic payment (for example: direct deposits, automatic payments and ACH transfers):071214579Paper (for example: ordering checks):071214579Electronic payment (for example: direct deposits, automatic payments and ACH transfers):073000176Paper (for example: ordering checks):073000176Electronic payment (for example: direct deposits, automatic payments and ACH transfers):101100045Paper (for example: ordering checks):101100045Electronic payment (for example: direct deposits, automatic payments and ACH transfers):064000020Paper (for example: ordering checks):064000020Electronic payment (for example: direct deposits, automatic payments and ACH transfers):051000017Paper (for example: ordering checks):051000017Electronic payment (for example: direct deposits, automatic payments and ACH transfers):011200365Paper (for example: ordering checks):011200365Electronic payment (for example: direct deposits, automatic payments and ACH transfers):052001633Paper (for example: ordering checks):052001633Electronic payment (for example: direct deposits, automatic payments and ACH transfers):011000138Paper (for example:…
Bank of America Routing Number | United States – Wise
Bank of America Routing Number | United StatesBank of America routing numbers for wire transfersThe routing number for Bank of America is 026009593 for domestic and international wire transfers. If you’re sending an international wire transfer, you’ll also need the SWIFT code for Bank of America in this table. See more for Banks of America routing numbers for each state Bank of America routing number for wire transfersType of wire transferBank of America routing numberDomestic Wire Transfer026009593International Wire Transfer to Bank of America account in the USA026009593SWIFT CodeBOFAUS3NThere’s a cheaper way to send money abroad.Sending domestic payments with your bank can be easy enough. But international transfers are a different story. Thanks to high SWIFT and cross-border fees, they can be very expensive and time-consuming. To get the best deal, it pays to look for specialist services. Many of which take a new approach, and skip the usual costs of sending money around the world. Bank of America routing numbersBank of America ACH/check routing numbers for checking and savings account. Looking for the routing number for Bank of America in a specific state? Bank of America routing numbers may vary by location – check the details you need by state.StateBank of America routing numberStateBank of America routing numberStateBank of America routing numberBank of America Alabama051000017Bank of America Alaska051000018Bank of America Arizona 122101706Bank of America Arkansas082000073Bank of America California 121000358Bank of America Colorado123103716Bank of America Connecticut011900254Bank of America Delaware031202084Bank of America District of Columbia054001204Bank of America Florida 063100277/ 063000047Bank of America Florida, West063100277Bank of America Georgia 061000052Bank of America Hawaii051000017Bank of America Idaho123103716Bank of America Illinois 081904808Bank of America Illinois, North071000505Bank of America Illinois, Chicago Metro081904808/ 0071103619Bank of America Indiana071214579Bank of America Iowa073000176Bank of America Kansas101100045Bank of America Kentucky051000017Bank of America Louisiana051000017Bank of America Maine011200365Bank of America Maryland 052001633Bank of America Massachusetts011000138Bank of America Michigan072000805Bank of America Minnesota071214579Bank of America Mississippi051000017Bank of America Missouri, East081000032/ 101000035Bank of America Missouri, West081000033Bank of America Montana051000017Bank of America Nebraska051000017Bank of America Nevada122400724Bank of America New Hampshire011400495Bank of America New Jersey 021200339Bank of America New Mexico107000327Bank of America New York 021000322Bank of America North Carolina 053000196Bank of America North Dakota051000017Bank of America Ohio051000017Bank of America Oklahoma103000017Bank of America Oregon323070380Bank of America Pennsylvania 031202084Bank of America Rhode Island011500010Bank of America South Carolina 053904483Bank of America South Dakota051000017Bank of America Tennessee064000020Bank of America Texas, North111000025Bank of America Texas 111000025/ 113000023Bank of America Utah051000017Bank of America Vermont051000017Bank of America Virginia 051000017Bank of America Washington 125000024Bank of America West Virginia051000017Bank of America Wisconsin051000017Bank of America Wyoming051000017What is a routing number?In the US, banks and other financial institutions use routing numbers to identify themselves. They’re made up of 9 digits, and sometimes called routing transit numbers, ABA routing numbers, or RTNs.The Federal Reserve Banks need routing numbers to process Fedwire funds transfers. The ACH network also needs them to process electronic funds transfers – like direct deposits and bill payments. Find Bank of America routing numbers for:Bank of America checking and savings account routing numberACH payments routing numberWire transfers routing number A 3x cheaper multi-currency account.One account to send, receive, and spend around the worldHold and convert more than 40 currencies in seconds, and get your own international bank details. Anyone can use them to pay you like they’d pay a local.With Wise, you’ll always get the best possible exchange rate, and the low fees we’re known for. Bank of America routing number for ACH transfersThe ACH routing number will have to be included for sending an ACH transfer to any Bank of America account.To send a domestic ACH transfer, you’ll need to use the ACH routing number which differs from state to state. You can find your ACH routing number for Bank of America.You’ll need to include the ACH routing number when sending an ACH transfer to any Bank of America account. What are routing numbers used for?Routing numbers are used for all sorts of financial transactions. You might need one if you want to do any of the following:Set up a direct deposit, or…
Your Bank of America Routing Number By State
Your Bank of America Routing Number By State wundervisuals / Getty Images Knowing your Bank of America routing number can save you some time when you need to accomplish different banking tasks. But routing numbers can differ, depending on the state in which your account was opened and the type of transaction you make. Here’s how to locate your bank routing number. Bank of America Routing Numbers by State Consult this chart for every routing number Bank of America offers — in every state — so you can find your routing number right away. State Routing Number Alabama 051000017 Alaska 051000018 Arizona 122101706 Arkansas 082000073 California 121000358 Colorado 123103716 Connecticut 011900254 Delaware 031202084 Florida, East 063100277 Florida, West 063100277 Georgia 061000052 Hawaii 051000017 Idaho 123103716 Illinois, South 081904808 Illinois, North 071000505 Illinois, Chicago Metro 081904808 Indiana 071214579 Iowa 073000176 Kansas 101100045 Kentucky 051000017 Louisiana 051000017 Maine 011200365 Maryland 052001633 Massachusetts 011000138 Michigan 072000805 Minnesota 071214579 Mississippi 051000017 Missouri East/St. Louis 081000032 Missouri West/Kansas City 081000032 Montana 051000017 Nebraska 051000017 Nevada 122400724 New Hampshire 011400495 New Jersey 021200339 New Mexico 107000327 New York 021000322 North Carolina 053000196 North Dakota 051000017 Ohio 071214579 Oklahoma 103000017 Oregon 323070380 Pennsylvania 031202084 Rhode Island 011500010 South Carolina 053904483 South Dakota 051000017 Tennessee 064000020 Texas, North 111000025 Texas, South 113000023 Texas, South 111000025 Utah 051000017 Vermont 051000017 Virginia 051000017 Washington 125000024 Washington, D.C. 054001204 West Virginia 051000017 Wisconsin 051000017 Wyoming 051000017 What Is a Routing Number? A bank routing number is assigned by the American Bankers Association and consists of nine digits that identify a financial institution in a transaction. The first four numbers are Federal Reserve identifiers. The first two of those indicate in which of the 12 Federal Reserve Bank districts a bank is located, and the next two show which Federal Reserve check-processing center is assigned to your bank. The next four numbers identify your banking institution, as banks are assigned identifying numbers much like checking accounts. The last number is a check digit, which is calculated from the first eight digits. How To Find Your Routing Number If you have a Bank of America checking account, you can also find your routing number on a check — the check routing number is the first nine numbers in the lower left corner. You might not have a check handy, however, so you can also call Bank of America any time at 800-432-1000 to find the routing number for your account. If you are at all confused about which number to use, you should consider calling Bank of America because using the right number could mean the difference between your money going into the right or wrong account. How To Find Your Routing Number on a Check If you’re wondering how to find routing number information for Bank of America on any of your personal checks, simply look at the first nine-digit number on the bottom left-hand side. You can also use the previous chart to find your Bank of America routing number. Keep in mind that your check routing number will be different depending on where you opened your Bank of America account….
Automated Clearing House (ACH) Payments Processing
Automated Clearing House (ACH) Payments Processing Reliable, efficient and predictable electronic payments Bank of America’s Automated Clearing House (ACH) is an electronic payment delivery system that allows you to pay or collect funds electronically through the ACH network — one of the world’s safest, most reliable payment networks. With greater speed, accuracy and efficiency, ACH offers more control over the timing of payments posting to your bank accounts. Use ACH to help improve forecasting, reduce exposure to check fraud, cut expenses and get faster access to funds. Fraud prevention with ACH Switching from checks to ACH can greatly help reduce risks. Our fraud prevention tools can protect you against unauthorized transactions to your accounts. ACH Positive Pay with mobile approvals Take control of ACH transactions received in your accounts. Automatically accept authorized transactions from trading partners, decide whether to pay or return ACH exceptions in real-time, and update your ACH authorizations. Exceptions that require either primary or secondary approval, or both, can also be approved using your mobile device. Account Validation Prior to initiating electronic credits or debits in the U.S., our Account Validation service can help you validate whether a bank account is open and if it belongs to the person authorizing payment to or from the account. The service can also help you to comply with the Nacha WEB Debit Account Validation rule that went into effect on March 19, 2021. With this new rule, ACH Originators of WEB debit entries are required to use a “commercially reasonable fraudulent transaction detection system” to screen WEB debits for fraud. The supplemental requirements apply to the first use of an account number, or changes to the account number. Please visit Nacha.org for full rule details and/or rule modifications. Ways to use ACH Make and receive a wide range of recurring and nonrecurring payments. Direct deposit: Pay employees and other consumers Consumer receipts: Collect utility bills, insurance premiums, mortgage payments and more Business payments: Send funds to suppliers and other B2B counterparties Tax payments: Make federal, state and local tax payments Cash concentration: Consolidate funds from various locations Cross-border: Connect in Canada, Mexico, Panama and Europe How ACH works While most ACH transactions post on the following day, we offer same-day posting for eligible transactions destined for accounts at Bank of America and other Receiving Depository Financial Institutions. Learn more about Same-Day ACH > It’s easy to ACH payments and receipts via CashPro® ACH, CashPro® Connect and CashPro® API. You can create and deliver a standard ACH-formatted file using your business software, a payroll vendor or our ACH service. Nacha rule changes The following are select Nacha Operating Rule changes. To access the full list of Nacha Operating Rules, visit Nacha.org. MARCH 18, 2022 Same Day ACH Dollar Limit increase from $100,000.00 to $1,000,000.00 The Same Day ACH Dollar Limit Increase rule will increase the per-transaction dollar limit from $100,000 to $1,000,000. At implementation, both Same Day ACH credits and Same Day ACH debits will be eligible for same-day processing up to $1,000,000 per transaction. SEPTEMBER 16, 2022 and MARCH 17, 2023 The proposed rule amendment on Micro-Entries was approved on February 1, 2022. This Rule: Defines “Micro-Entries” as ACH credits of less than $1 and any offsetting ACH debits used for the purpose of verifying a Receiver’s account Company Name requirements for Micro-Entries Establishes other Micro-Entry origination practices Applies risk management requirements to the origination of Micro-Entries This Rule will become effective in two phases: Phase 1 – SEPTEMBER 16, 2022 The term Micro-Entries will be defined, and Originators will be required to use the standard Entry description and follow other origination practices. Phase 2 – MARCH 17, 2023 Originators of Micro-Entries will be required to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes. Learn more about Micro-Entries SEPTEMBER 30, 2022 Nested Third-Party Sender This rule will define a Nested Third Party Sender, and will provide for the “chain of agreements” and responsibilities in Nested TPS arrangements. A “Nested Third-Party Sender” will be defined as a Third-Party Sender that has an agreement with another…
How to Find Your Bank of America Routing Number
How to Find Your Bank of America Routing Number Skip to primary navigation Skip to main content Skip to primary sidebar When I moved from Pittsburgh to Baltimore, I needed a new bank account and settled on Bank of America. With a massive geographic footprint as one of the largest banks in the nation, a branch or ATM was always around the corner. That’s because, over the years, Bank of America has expanded their locations as a result of acquiring other banks and now boasts over 4,600 branches and an ATM network of nearly 16,000. It’s huge and ubiquitous. It also means that it has a huge list of ABA routing numbers – which can get tricky if you need to know your number and don’t have a check handy. So, if you’re looking for your Bank of America routing number, we can help you find it using one of three easy ways: Look up your routing number by state (you can do this below)Show you how to find your routing number on your personal checks, if you have one nearbyCall Bank of America customer service and ask them for your routing number 💰 Get up to $2000 from a Citi Priority Account Today! Citi Priority is offering up to $2000 when you open a Citi Priority Account by 1/9/2023. Then, within 20 days of opening your account, deposit New-to-Citi® funds and keep it there for 60 days after the 21st day. The bonus is based on the amount you transfer. This is a limited time offer so don’t wait! Learn more about this offer Table of ContentsBank of America Routing Number by StateFinding the Routing Number on Your CheckContact Bank of America for Your NumberDifferent Routing Number for Wire Transfers Your Bank of America ABA routing number will be based on the state in which you opened your account, not where you live now. Bank of America LocationRouting/Transit NumberAlabama051000017Alaska051000017Arizona122101706Arkansas082000073California121000358Colorado123103716Connecticut011900254Delaware031202084Florida, East063100277Florida, West063100277Georgia061000052Hawaii051000017Idaho123103716Illinois, South081904808Illinois, North071000505Illinois, Chicago Metro081904808Indiana071214579Iowa073000176Kansas101100045Kentucky051000017Louisiana051000017Maine011200365Maryland052001633Massachusetts011000138Michigan072000805Minnesota071214579Mississippi051000017Missouri East/St. Louis081000032Missouri West/Kansas City081000032Montana051000017Bank of America LocationRouting/Transit NumberNebraska051000017Nevada122400724New Hampshire011400495New Jersey021200339New Mexico107000327New York021000322North Carolina053000196North Dakota051000017Ohio071214579Oklahoma103000017Oregon323070380Pennsylvania031202084Rhode Island011500010South Carolina053904483South Dakota051000017Tennessee064000020Texas, North111000025Texas, South113000023Texas, South111000025Utah123103716Vermont051000017Virginia051000017Washington125000024Washington, D.C.054001204West Virginia051000017Wisconsin051000017Wyoming051000017 It gets a little messy for those states in which you have to figure out where in the state you live – where’s the line for north Texas vs. south Texas? And which south Texas are you? That’s why we have backup ways to find this. Finding the Routing Number on Your Check This is, by far, the easiest way to find your number but it requires a personal check. If you don’t have one, you’ll have to call Bank of America. Once you have your personal check, the number is printed on it directly. Your checks contain a tremendous amount of important banking information, which is why you need to keep them secure, and here’s an example of one: The numbers at the bottom are your account number and the bank’s ABA routing number. The nine-digit number highlighted in red is the ABA routing number. The other one, which we highlighted in green, is your account number. Sometimes the order of the numbers are switched but your ABA routing number is always a nine-digit number. If you’re unsure, you can use American Bankers Association Routing Number lookup tool to confirm or check it against the above list. There are three ways you can “ask” Bank of America. You can call them at 844-375-7028, go through the verification process, and then ask. Next, you can review their FAQ on their website and update your ZIP code to show your ABA routing number. Remember, it is the zip code where you opened your…
What's My Bank of America Routing Number? – PocketSense
What’s My Bank of America Routing Number? From setting up direct deposit to making ACH payments and wire transfers, you’ll need a routing number to complete many kinds of banking transactions. As a large national bank, Bank of America has a different routing number for each state, as well as additional numbers for domestic and international wire transfers. What Is a Routing Number? A routing number is a nine-digit number banks and other financial institutions in the U.S. use to identify themselves. You can think of them as addresses that let other banks know where to find your money. The routing number you use depends on with which bank you have opened an account, and sometimes where your bank operates. Routing numbers are also sometimes known as ABA numbers, routing transit numbers (RTNs) and check routing numbers. What Are Routing Numbers Used For? Routing numbers were created in 1910 by the American Bankers Association to help process paper checks and enable banks and credit unions to accurately process transactions between themselves and other financial institutions. Routing numbers come in handy for various types of financial transactions. You’ll probably need to know your routing number if you want to: Set up automatic bill payments and direct deposit Pay with a check Make a wire transfer or ACH payment to someone in the U.S. Have payments like salary and pension deposited into your account Different Types of Routing Numbers In addition to standard ABA routing numbers, there are also different routing numbers used for domestic and international wire transfers. Bank of America uses the same domestic wire transfer routing number for wire transfers made within the U.S. So, no matter which state your bank account are in, it will be same number. Bank of America’s routing number for domestic wire transfers is 026009593. For outbound international wire transfers, the routing number is also 026009593. For inbound international wire transfers, the special type of number you’ll need is called a SWIFT code. Bank of America has two different SWIFT codes for all inbound international wire transfers, depending on the type of currency: If the money is being sent to your Bank of America account in U.S. dollars, the SWIFT code is BOFAUS3N. If the money is sent in foreign currency, the SWIFT code is BOFAUS6S. The three types of routing numbers are: ABA: The standard routing number used for direct deposit, electronic bill payments and writing checks, among other transactions. Domestic Wire Transfer: The routing number used to send money to or receive money from another U.S. bank account (both accounts are domestic). International Wire Transfer (SWIFT code): The routing number used to send money from a U.S. bank account to a non-U.S. bank account, or vice-versa. This is called a SWIFT code. You’ll need this in addition to the wire transfer routing number. Bank of America Routing Numbers by State Bank of America ABA Routing Numbers by State (A-D) State Routing Number (Electronic) Routing Number (Paper) Alabama 051000017 051000017 Alaska 051000017 051000017 Arizona 122101706 122101706 Arkansas 082000073 082000073 California 121000358 121000358 Colorado 123103716 123103716 Connecticut 011900254 011900254 Delaware 031202084 031202084 District of Columbia (D.C.) 054001204 054001204 Bank of America Bank of America ABA Routing Numbers by State (F-K) State Routing Number (Electronic) Routing Number (Paper) Florida (East) 063100277 063000047 Florida (West) 063100277 063100277 Georgia 061000052 061000052 Hawaii 051000017 056100017 Idaho 123103716 123103716 Illinois (North) 071000505 071000505 Illinois (South) 081904808 081904808 Illinois (Chicago Metro) 081904808 071103619 Indiana 071214579 071214579 Iowa 073000176 073000176 Kansas 101100045 101100045 Kentucky 064000020 064000020 Bank of America Bank of America ABA Routing Numbers by State (L-M) State Routing Number (Electronic) Routing Number (Paper) Louisiana 051000017 051000017 Maine 011200365 011200365 Maryland…
Bank of America Routing Numbers – US Bank Locations
Bank of America Routing NumbersAccording Bank of America website, LocationPaper (ex. Ordering Checks)Electronic (ex. Direct Deposit/Automatic Payment)Wire Transfer Alabama051000017051000017026009593 Alaska051000017051000017026009593 Arizona122101706122101706026009593 Arkansas082000073082000073026009593 California, North121000358121000358026009593 California, South122000661121000358026009593 Colorado051000017051000017026009593 Connecticut011900571011900254026009593 Delaware031202084031202084026009593 Washington DC054001204054001204026009593 Florida, East063000047063100277026009593 Florida, West063100277063100277026009593 Georgia061000052061000052026009593 Hawaii051000017051000017026009593 Idaho123103716123103716026009593 Illinois – South081904808081904808026009593 Illinois – North071000505071000505026009593 Illinois – Chicago Metro071103619081904808026009593 Indiana Accounts opened online with Bank of America before 8/23/2008051000017051000017026009593 Indiana Accounts opened online with Bank of America after 8/23/2008081904808081904808026009593 All other Indiana accounts071214579071214579026009593 Iowa073000176073000176026009593 Kansas101100045101100045026009593 Kentucky051000017051000017026009593 Louisiana051000017051000017026009593 Maine011200365011200365026009593 Maryland052001633052001633026009593 Massachusetts011000138011000138026009593 Michigan Accounts opened online with Bank of America before 8/23/2008051000017051000017026009593 Michigan Accounts opened online with Bank of America after 8/23/2008081904808081904808026009593 All other Michigan accounts072000805072000805026009593 Minnesota051000017051000017026009593 Mississippi051000017051000017026009593 Missouri East/St. Louis081000032081000032026009593 Missouri West/Kansas City101000035081000032026009593 Montana051000017051000017026009593 Nebraska051000017051000017026009593 Nevada122400724122400724026009593 New Hampshire011400495011400495026009593 New Jersey021200339021200339026009593 New Mexico107000327107000327026009593 New York021000322021000322026009593 North Carolina053000196053000196026009593 North Dakota051000017051000017026009593 Ohio051000017051000017026009593 Oklahoma103000017103000017026009593 Oregon323070380323070380026009593 Pennsylvania031202084031202084026009593 Rhode Island011500010011500010026009593 South Carolina053904483053904483026009593 South Dakota051000017051000017026009593 Tennessee064000020064000020026009593 Texas, North111000025111000025026009593 Texas, South113000023111000025026009593 Utah051000017051000017026009593 Vermont051000017051000017026009593 Virginia051000017051000017026009593 Washington125000024125000024026009593 West Virginia051000017051000017026009593 Wisconsin051000017051000017026009593 Wyoming051000017051000017026009593 In our record, Bank of America has a total of 150 routing numbers.Routing NumberProcess FedACHProcess FedwireLocationRegistered Name026009593YYRichmond, VABank Of America N.a.053000196YYRichmond, VABank Of America, N.a.071000039YYRichmond, VABank Of America, N.a.111000012YYHenrico, VABank Of America, N.a.114000653YYHenrico, VABank Of America114017714YYHenrico, VABank Of America121000358YYHenrico, VABank Of America, N.a.121140331YYRancho Cordova, CAAmerican River Bank121141822YYRichmond, VABank Of America Na011000138YNHenrico, VABank Of America, N.a.011000206YNRichmond, VABank Of America N.a011000390YNRichmond, VABank Of America N.a011001742YNRichmond, VABank Of America, N.a.011100012YNRichmond, VABank Of America N.a.011100805YNRichmond, VABank Of America N.a011104047YNRichmond, VABank Of America N.a.011200365YNHenrico, VABank Of America, N.a.011201539YNRichmond, VABank Of America N.a.011300605YNRichmond, VABank Of America N.a.011302357YNRichmond, VABank Of America N.a.011302438YNRichmond, VABank Of America N.a.011400495YNHenrico, VABank Of America, N.a.011500010YNHenrico, VABank Of America, N.a.011501035YNRichmond, VABank Of America N.a.011900254YNRichmond, VABank Of America N.a.011900445YNRichmond, VABank Of America N.a011900571YNHenrico, VABank Of America, N.a.011900652YNRichmond, VABank Of America N.a.021000322YNRichmond, VABank Of America, N.a.021001318YNRichmond, VABank Of America021200339YNHenrico, VABank Of America N.a.021202162YNRichmond, VABank Of America N.a021202609YNRichmond, VABank Of America, N.a.021300019YNRichmond, VABank Of America N.a021404465YNRichmond, VABank Of America, N.a.022000127YNHenrico, VABank Of America, N.a.022300160YNRichmond, VABank Of America, N.a.028000325YNRichmond, VABank Of America, N.a.031100160YNWilmington, DEBank Of America, N.a.031202084YNRichmond, VABank Of America N.a.031304050YNRichmond, VABank Of America N.a.051000017YNHenrico, VABank Of America, N.a.051000101YNRichmond, VABank Of America, N.a.051400361YNRichmond, VABank Of America, N.a.051400507YNRichmond, VABank Of America, N.a.052001633YNHenrico, VABank Of America, N.a.053100258YNRichmond, VABank Of America, N.a.053100559YNRichmond, VABank Of America, N.a.053101396YNRichmond, VABank Of America, N.a.053107989YNRichmond, VABank Of America, N.a.053200446YNRichmond, VABank Of America, N.a.053201610YNRichmond, VABank Of America, N.a.053900377YNRichmond, VABank Of America, N.a.053904483YNHenrico, VABank Of America, N.a.054001204YNHenrico, VABank Of America, N.a.055002341YNRichmond, VABank Of America, N.a.056007387YNRichmond, VABank Of America, N.a.061000052YNHenrico, VABank Of America, N.a.061000078YNRichmond, VABank Of America, N.a.061112788YNRichmond, VABank Of America, N.a.063000047YNRichmond, VABank Of America, N.a.063100277YNHenrico, VABank Of America, N.a.063100552YNRichmond, VABank Of America, N.a.063100714YNRichmond, VABank Of America, N.a.063103193YNRichmond, VABank Of America, N.a.063104697YNRichmond, VABank Of America, N.a.063104972YNRichmond, VABank Of America, N.a.063105683YNRichmond, VABank Of America, N.a.063106006YNRichmond, VABank Of America, N.a.063106129YNRichmond, VABank Of America, N.a.063106145YNCharlotte, NCBank Of America, N.a.063106268YNRichmond, VABank Of America, N.a.063107393YNRichmond, VABank Of America, N.a.063107610YNRichmond, VABank Of America, N.a.063109058YNRichmond, VABank Of America, N.a.063110092YNRichmond, VABank Of America, N.a.063112294YNRichmond, VABank Of America, N.a.063200407YNRichmond, VABank Of America, N.a.064000020YNHenrico, VABank Of America, N.a.064100852YNRichmond, VABank Of America064101178YNRichmond, VABank Of America064101385YNRichmond, VABank Of America064101673YNRichmond, VABank Of America064107046YNRichmond, VABank Of America064208194YNRichmond, VABank Of America066007681YNRichmond, VABank Of America N.a.067002436YNRichmond, VABank Of America, N.a.067003985YNRichmond, VABank Of America, N.a.067005679YNRichmond, VABank Of America, N.a.067006238YNRichmond, VABank Of America, N.a.067007130YNRichmond, VABank Of America, N.a.067007949YNRichmond, VABank Of America, N.a.067008579YNRichmond,…
What is a Bank Routing Number and Where is it Found?
What is a Bank Routing Number and Where is it Found? A routing number is a nine-digit code used to identify a financial institution in the United States. Banks use routing numbers to direct the exchange of funds to and from one another. You can typically find the routing number on the bottom left corner of most personal checks. How to Find a Routing Number Routing numbers were originally created by the American Bankers Association (ABA) to streamline the circulation of paper checks on a massive scale. They are commonly referred to as ABA routing numbers or American Clearing House (ACH) routing numbers, and can be found on personal checks, bank websites or the ABA’s online database. We link to different sources below. Where is the Routing Number on a Check? The routing number and your personal account number can both be found on the bottom of the checks issued by your bank. Most banks provide at least one free checkbook for new customers. Routing Number: The routing number consists of nine digits printed on the bottom-left corner of your check. The odd font used to print the number is known as magnetic ink character recognition (MICR) and is printed in electronic ink to allow banking institutions to easily process checks. Account Number: The account number is located in the bottom center of your personal check, just to the right of your routing number. The account number is the unique identifier for your bank account. Check Number: To help you keep a record of all payments, the bottom right corner of your personal check contains a unique check number. When providing routing and account numbers, it’s crucial to double-check your entries because errors can lead to failed transfers or send your money to the wrong account. If you catch an error, notify your bank so it can reverse the transaction. For more information, read our detailed guide to writing checks. How to Find a Routing Number Without a Check If you don’t have a checkbook, you can still find your routing number by checking your bank’s website or calling your local branch. The routing number varies by bank and region. Since one bank can have multiple routing numbers, be sure to confirm that your routing number corresponds to the specific bank where you opened your account. We’ve included a list of some of the major national lending institutions with links to their respective routing numbers. How to Find a Bank with a Routing Number (ABA Search) If you wish to look up a bank by its routing number, you can search for it on the ABA’s website. Additionally, you can also search for routing numbers through their website by inputting the bank’s name and address. It’s possible to receive checks without a bank name. Technically speaking, the Federal Reserve system processes transactions as long as they receive the bank routing number and account number. This is why it’s so important to protect your personal account number as carefully as you protect your social security number. What’s the Difference Between ABA and ACH Routing Numbers? Technically speaking, ABA routing numbers apply to paper checks while ACH routing numbers apply to electronic transfers and withdrawals. Most major banks today use the same routing number for both. However, it’s not uncommon to see separate ABA and ACH routing numbers for regional lending institutions. ABA routing numbers are sometimes referred to as the “check routing number,” and the ACH routing number as the “electronic routing number” or “number for electronic transfers.” If only one number is cited, it’s likely that the ABA and ACH routing numbers are the same, but it doesn’t hurt to contact…