The routing number for Bank of America in Massachusetts is 011000138. This code can be used for a variety of financial transactions, including ACH transfers, direct deposits, wire transfers, and electronic bill payments.
| Routing Number | 11000138 |
| ACH Routing Number | 11000138 |
| Domestic Wire Transfer | 26009593 |
| International Wire Transfer | 26009593 |
| SWIFT Code — Incoming Wires in U.S. Dollars | BOFAUS3N |
| SWIFT Code — Incoming Wires in Foreign Currencies | BOFAUS6S |
What is a Routing Number
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A Routing Number is a nine-digit code held by every bank in the USA and is used to identify the bank’s location with which an account is held. A Routing Number is also used to process a payment to a US account through Fedwire.
This code can be generally referred to as a Routing Number, a bank routing number, or a routing number (RTN), which can confuse those looking to make a payment.
What is Routing Number Used for?
Routing numbers are assigned by the American Bankers Association (ABA) and are used in the Automated Clearing House (ACH) network. In the case of ACH transactions, routing number identifies the originating bank and the destination bank.
- Tax Return-related Payments
- Money Transfer-related Payments
- Routing numbers are also used by businesses to set up direct deposits for their employees
- Setting up direct deposit of Social Security or other government benefits.
- Setting up an automatic online bill payment.
- Check to process.
- Sending & receiving wire transfers.
- Making person-to-person [P2P] payments using services like Venmo or PayPal.
- Make payments from your bank account by telephone.
- When reordering checks.
- For budgeting apps that are linked to your bank account.
How to Find Bank of America Routing Number Massachusetts
Finding your Bank of America routing number in Massachusetts can be done a few different ways. The easiest way to find it is to look on your monthly statement, where it will be listed in the bottom left corner. If you have online banking, you can easily find your routing number information on your account’s page.
You can also find bank’s routing number on your check, or by calling customer representative. Another option is to visit the Federal Reserve website and look up your routing numbers there.
If you don’t have a check, you can also find your routing number in the following places:
- Your bank statements
- Your bank’s website or mobile app
- Through your bank’s phone, a customer’s representative
- The American Bankers Association’s routing number lookup
Is Wire Routing Number the Same as Routing Number?
No, wire routing number and routing number are not the same.
Each bank has its own distinct routing number, which is usually location-specific. Depending on the state, a single bank may use a multiple routing number.
Example- The Bank of America routing number for Massachusetts is 011000138.
In contrast, wire routing number is same if you make a transaction within the United Sates. It does not change with respect to bank location.
Example- The Bank of America wire transfer routing number is 026009593 for any transfers inside of the United States.
Bank of America Wire Transfer Numbers
| Wire Transfer | International & Domestic | 26009593 |
| SWIFT Code | Incoming Wires in U.S. Dollars | BOFAUS3N |
| SWIFT Code | Incoming Wires in Foreign Currencies | BOFAUS6S |
What is the Swift Code of Bank of America Massachusetts?
The SWIFT code for wire transfers made outside of the United States is BOFAUS3N.
What is the Difference between Wire Transfer and ACH Transfers?
| Parameter | ACH Transfer | Wire Transfer |
|---|---|---|
| Processing Speed | Typically, 2-3 business days | Same business day. |
| Fee | Processing fees are around 1% of the transaction amount and an ACH is typically free to receive. | Fees can range from $20 to $100, depending on the bank and location. |
| Payment Options | ACH payments use direct payment from bank accounts. | Bank accounts, debit card or credit card, and online payment services like PayPal. |
| Global Reach | Domestic ACH is limited to the United States. Although a global ACH can transfer internationally, it must be done through other bank-to-bank networks. | A wire transfer does not have cross-border payment limitation. |
| Transfer Limits | Daily transfer limits apply | Daily transfer and maximum amount limits apply. |
| Risk | More secure | Impossible to reverse |
| Reversals | Can be reversed | Often used by scammers |
How Many Digits Does a Bank of America Massachusetts Routing Number Have?
Bank of America in Massachusetts routing number is 011000138.
A Bank of America routing number is a nine-digit code that is used to identify financial institutions in the United States. The code is also known as an ABA routing numbers or a routing transit numbers.
The first two digits of the code indicate the Federal Reserve district where the bank is located. The next four digits identify the specific bank within that district. The last three digits identify the check processing center that the bank uses.
How Many Digits Does a Bank of America Massachusetts Wire Routing Number Have?
A Bank of America wire routing number is a nine-digit code that is used to identify a financial institution in the United States. The code is also known as an ABA routing number or a routing transit number.
The first two digits of the code indicate the Federal Reserve district where the bank is located. The next four digits identify the specific bank within that district. The last three digits identify the check processing center that the bank uses.
The routing number for Bank of America in Massachusetts is 021200339. This code can be used for a variety of financial transactions, including direct deposit, wire transfers, and electronic bill payments.
How to Use a Routing Number to Transfer Money
You can transfer money from your account, operating your routing and account numbers. It happens when sending money from your bank to another bank. You can use wire transfers or ACH to move money electronically to others. The following is the process you can use to transfer money using the routing and account numbers.
When you initiate a wire through your bank, you’ll generally need to provide them:
- Recipient’s name
- Recipient’s bank account number
- Recipient’s routing number
- Amount of money to be transferred
What to do If You Have a Routing Number Error
If you have a routing number error, contact your financial institutions for help. They will be able to tell you the correct routing number for your bank and help you resolve the issue.
If you are still having trouble, please feel free to contact us and we will be happy to help you.
What Happens If You Enter the Wrong Routing Number when Making a Transfer?
If you accidentally submit the incorrect routing number when making a wire transfer, your payment will be rejected, and the funds returned to you.
That’s because the banks concerned will look at the account number, name, and routing number, and if these fragments of information don’t match, cancel the payment.
If you believe you have entered the wrong routing number when making a transfer, you should contact your bank or the recipient’s bank as soon as possible to try to resolve the issue.
I hope this helped! If you have any other questions, please let me know.
Is Bank of America Routing Number Massachusetts Same for Everyone and Everywhere?
No, Bank of America routing number Massachusetts is not the same for everyone and everywhere. 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.
The ABA routing numbers for Bank of America in Massachusetts is 021000021. This routing number is used for transactions originating in Massachusetts only. For transactions originating in other states, you will need to use a different routing number. You can find the routing numbers for your state on the Bank of America website.
5 Tips for Using your Routing Number Correctly
It is important to make sure you are using the correct routing numbers when making payments. If you use the wrong routing numbers, your payment may be rejected.
Here are 5 tips to make sure you are using your routing number correctly:
- Make sure you are using the correct routing numbers for your bank or credit union. You can find this information on your bank statement or by contacting your bank or credit union directly.
- If you are making an international payment, be sure to use the correct wire routing numbers& swift code for the country you are sending the payment to.
- When making an online payment, be sure to enter the routing numbers correctly and double check that the website you are using is legitimate.
- 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.
- Keep in mind that your routing numbers may be different depending on how you are making the payment (e.g., online, by phone, etc.). Be sure to use the correct routing number for the method you are using.
By following these tips, you can help ensure that your payments are made correctly and on time.
What to do If you Lose Your Routing Number
First, try contacting your bank and asking for the number. If you have online banking, you may also be able to find the number on your account settings. If these do not function, you can always visit your bank in person and ask for help.
You can also find your routing numbers on your bank statements or on the back of your checks. If you are still having trouble, the Federal Reserve Bank’s website has a search tool that can help you find your routing number. Simply enter your bank’s name and location, and the tool will provide you with the routing numbers for that bank.
How to Keep Your Routing Number Safe and Secure
There are a few steps you can take to protect your routing number:
- Keep your banking information private. Do not give out your routing numbers or other account information to anyone unless you are sure they are authorized to initiate transactions on your behalf.
- Review your bank statements regularly. This will help you spot any unauthorized transactions quickly.
- Monitor your credit report. You are entitled to one free credit report per year from each of the three major credit reporting agencies. This will help you catch any fraudulent activity that may have occurred in your name.
Conclusion
In conclusion, it is important to understand what a routing number is and how it is used. Be sure to use the correct routing number when making payments, and if you lose your routing number, contact your financial institution for help. You can also take steps to protect your routing number by keeping your banking information private and monitoring your credit report. By taking these precautions, you can help safeguard your finances.