Why Do I Have Two Routing Numbers Bank of America?

Hey there! Some links on this page are affiliate links which means that, if you choose to make a purchase, I may earn a small commission at no extra cost to you. I greatly appreciate your support!

Are you an avid Bank of America customer who is confused about why your account has two routing numbers? Or have you ever wondered why your bank issued you multiple banking numbers to use with different transactions? Well, wonder no more! In this blog post we’ll dive deep into the world of financial routing numbers and their importance. We’ll also try to explain what situations might warrant using multiple Bank Of America routing numbers and how it can help in managing finances better. So, if you want to understand more about various banking codes used by your bank then keep reading as this article will provide helpful insights on that topic.

Pro-tip: Want to see your credit score for free and be able to use many financial tools right now? Just click here!

Why Do I Have Two Routing Numbers Bank of America?

Understanding What a Routing Number Is 

If you’re a Bank of America customer, you might have noticed that you have two routing numbers. This can be confusing, especially if you’re not sure what a routing number even is!

First things first: what is a routing number? A routing number is a nine-digit code that identifies a financial institution in a transaction. It’s also sometimes called an ABA (American Bankers Association) number or routing transit number (RTN). Think of it as a way to tell other banks where to send money when you make a transfer or direct deposit.

So why might you have two routing numbers if you bank with Bank of America? The answer has to do with the bank’s history of mergers and acquisitions. Bank of America has acquired many other banks over the years, and as a result, they have multiple routing numbers to accommodate customers who have accounts from those other banks. 

One of your routing numbers will be a “domestic” routing number, which is used for transfers within the United States. The other routing number is an “international” routing number, which is used for incoming international transfers. It’s important to know which routing number to use depending on the type of transfer you’re making.

So how do you find your routing numbers? You can usually find them printed on your checks. Look for a string of nine-digit numbers on the bottom left-hand side of the check – that’s your routing number. You can also find them through online banking or by calling customer service.

It’s important to note that routing numbers can change, especially if your bank merges with or is acquired by another bank. Make sure to double-check your routing numbers before making any important transfers. And if you’re still confused about routing numbers, don’t hesitate to reach out to your bank’s customer service for help.

Click Here to Check Your Credit Score for Free!

Explaining why Bank of America has Two Different Routing Numbers 

If you’re a Bank of America customer, you may have noticed that you have two different routing numbers. This can be confusing, especially if you’re trying to set up automatic payments or make a wire transfer. Why does Bank of America have two routing numbers, and what do they mean?

First, let’s define what a routing number is. A routing number is a nine-digit code that identifies a financial institution in a transaction. It’s also known as an RTN, routing transit number, ABA routing number, or bank routing number. You need a routing number to make any kind of financial transaction, such as depositing a check, paying bills online, or transferring money between accounts.

Now, the reason why Bank of America has two different routing numbers is because of its size and structure. Bank of America has branches and operations in all 50 states, as well as internationally. Each region has its own routing number to identify the local Federal Reserve Bank. This is called a regional routing number.

The first routing number that Bank of America customers receive is the one associated with the state in which they opened their account. This is called the domestic routing number, and it’s the one you use for most transactions within the United States. If you move to a different state, your routing number doesn’t change, but it may not be the most efficient one to use for transactions in your new state.

The second routing number that Bank of America customers receive is the one associated with the bank’s international operations. This is called the international routing number, and it’s used for transactions that involve foreign currency or need to go through an intermediary bank. If you’re not sure which routing number to use, you can always contact Bank of America customer service for assistance.

In some cases, Bank of America may also have additional routing numbers for specific types of transactions or services. For example, if you plan to make a wire transfer, you’ll need to use a different routing number than if you were depositing a check. Make sure you have the correct routing number for the type of transaction you want to make.

Comparing the Differences Between the Two Bank of America Routing Numbers 

Have you ever noticed that your Bank of America routing number comes in two different formats? You might have seen it in the form of a paper check, a deposit slip or a wire transfer. However, what could have led to the appearance of two different routing numbers? This blog post will delve deep into the differences between the two routing numbers provided by Bank of America. Even though they might seem similar, each number serves a different purpose. 

Let’s start by understanding what a routing number is. A routing number is a unique 9-digit code associated with the financial institution that you bank with, indicating where a check or a wire transfer should be directed to. The first Bank of America routing number (122000661) is the routing number assigned to Bank of America accounts opened in the western part of the United States. It covers Oregon, Washington, Idaho, California, Arizona, and New Mexico. The second routing number (021000322) is the one assigned to accounts opened in all the other states across the United States. 

The second difference to note is that the two routing numbers have different processing times. Transactions made through the first routing number are typically faster. It is because the checks or wire transfers are processed locally within the states listed above. This shorter distance lowers the chances of problem errors throughout the process. Moreover, it saves at least a day’s process time. On the other hand, transactions made through the second routing number route through the Federal Reserve Bank’s processing mechanism in Atlanta. This long distance adds to the processing time. Therefore, it is essential to have the correct routing number depending on your geographical location. 

Another difference to examine is the Bank of American International Wire Routing Number. Even though both routing numbers listed above are used primarily for domestic transactions, international wire transfers use a specific routing number. The International Routing Number assigned to Bank of America is BOFAUS3N. You have to include the International Routing number along with your beneficiary’s account details to complete your international wire transfer. If the wrong Routing Number is used for international wire transfers, your money will be directed to the wrong bank account. 

Suppose you are not sure which routing number to use. In that case, you can quickly get access on your bank account online, or you can contact Bank of America customer service and ask a representative which routing number to use based on your geographic location and the type of transaction you want to make. 

Looking at How You Can Identify Which Routing Number You Need 

Routing numbers are important in any financial transaction as they serve as the unique identifier of a financial institution. Moreover, they are commonly used for routing checks, electronic transfers, and direct deposits. However, if you have two routing numbers for the same financial institution like Bank of America, you might get confused about which one to use. Worry no more as I will provide you with a simple guide on how you can identify which routing number you need.

Check your bank statement

The first and easiest way to determine the routing number you need is to check your bank statement. Your routing number should be indicated on the bottom left corner of the first page. It is usually found before your account number and the check number.

Look it up online

If you do not have a copy of your bank statement, you can always check it online. Go to the Bank of America website and choose your location. Then, click on the “routing numbers” tab. The required routing number for your transaction will depend on the location of your account. If you are unable to access your account online, you can contact your bank representative and ask for the routing number.

Check with your bank representative

If you prefer a personalized response, you can always contact your bank representative. They are equipped to provide an accurate and correct routing number instantly and can assist you with any other queries you may have about your account and bank services.

Look at the account number

If you still cannot identify the correct routing number, you can refer to your account number. Bank of America uses routing numbers that are specific to each state. Therefore, you can determine the routing number by looking at the first two digits of your account number, which indicate the two-digit code of your state.

Use the routing number lookup tool

If you are still unsure, Bank of America also has a routing number lookup tool that you can use. Simply enter the name of your bank and your location, and the tool will provide you with the corresponding routing number.

Exploring Ways to Access Your Bank of America Account Information Even with Two Different Routing Numbers

Being one of the largest banking institutions in the United States, Bank of America makes it easy for its customers to manage their finances with online banking. However, have you ever faced trouble while accessing your bank account information due to having two different routing numbers? It can be quite frustrating and confusing, however, worry no more as we have some tips and tricks for accessing your Bank of America account information seamlessly.

Understanding Two Different Routing Numbers:

Most of us assume that our bank has only one routing number, but that’s not the case with Bank of America. Bank of America has two different routing numbers, one for wire transfers and the other for electronic transfers and direct deposits. Wire transfer routing number is used for incoming transactions like domestic and international wire transfers, while electronic transfer and direct deposit routing numbers are used for payments or funds received through ACH, wire, or paper transactions.

Using Bank of America Mobile App:

Bank of America’s mobile app has made account management much easier and convenient for its customers. You can easily view your account balances, transaction history, pay bills, transfer money, and deposit checks, just by tapping a few buttons on your smartphone. To access your account through the mobile app, simply download the app from the app store, log in with your credentials, and then enjoy all the features at your fingertips.

Enrolling in Online Banking:

Online banking service by Bank of America allows you to access your account information at any time and from anywhere. You can view account balances, check transaction history, pay off bills, and transfer money, all in one place with online banking. It’s easy to enroll in online banking; visit the Bank of America website, click on the Enroll button, and enter your account details. Once you have enrolled, you’ll have access to all the features that Bank of America offers for online banking.

Contacting Customer Support:

If you’re still struggling to access your bank account information despite having tried all of the above options, Bank of America customer support can help you out. The customer support team is available 24/7 to assist customers and solve their queries. You may dial 1-800-432-1000 and follow the automated instructions to resolve your issue.

Examining Some Common Uses for Each of the Bank of America’s Separate Routing Numbers

Whether you are transferring funds to someone else or setting up an automatic payment schedule, the routing number of your bank plays an important role in the transaction process. For those who have Bank of America accounts, you may have different routing numbers for each type of transaction.

1. Domestic Wire Transfer – The first routing number that Bank of America account holders should know is the domestic wire transfer routing number. This number is used for transferring funds from one Bank of America account to another Bank of America account within the United States. If you are someone who needs to transfer or receive large sums of money within the United States, this routing number is the one to use. It is also important to note that domestic wire transfers usually come with fees.

Click Here to Buy Stocks and Crypto on eToro!

2. Paper (for example, ordering checks) – The second routing number that Bank of America account holders should be familiar with is the paper routing number. This number is specifically for ordering checks or other paper-related banking products. So, if you are a customer who still uses paper checks to make payments, or you need to order checks for your account, this routing number is the one to use.

3. Electronic payments (for example, direct deposits, automatic payments) – For those customers who utilize direct deposits, automatic payments, or electronic transfers, you will need to use the electronic payments routing number. This routing number is used when you need to set up an automatic bill payment or receive your payroll through direct deposit. Unlike the other routing numbers, the electronic payments routing number cannot be used for wire transfers.

4. International Wire Transfer – Lastly, Bank of America account holders should be familiar with the international wire transfer routing number. This is used when you need to transfer funds from your Bank of America account to someone outside the United States. International wire transfers usually come with higher fees and stricter regulations, so it’s important that you have the correct information, which includes the recipient’s bank information and SWIFT code.


No matter which Bank of America routing number you use, it’s important to ensure that it is accurate. With the help of their customer service and information on their website, determining your correct routing number should be straightforward. Additionally, if something were to go wrong, Bank of America has a famously reliable customer service team that can help guide you through any situation. All in all, having two routing numbers for Bank of America isn’t something to be worried about – it’s actually a great advantage! It will give you the power to choose from different services based on what works better for you and your financial needs. Plus, with online checking at your fingertips you can stay in control and feel secure when managing your accounts or making transfers.

Recent Posts