Bank of America Routing Number

053000196
ACH

Routing Number 053000196 Details

Routing Number 053000196
Bank Bank of America
State / Region North Carolina
Type ACH

Is 053000196 Valid?

Yes — 053000196 is a valid ABA routing number assigned to Bank of America for North Carolina. It is used for ACH transfers (direct deposit, bill pay, electronic payments).

What Does 053000196 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 053000196 breaks down:

DigitsValueMeaning
1–40530Federal Reserve routing symbol (Richmond district)
5–80019Bank of America institution identifier
96Check digit (validates the number)

The first two digits (05) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Richmond. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 053000196

This is an ACH-only routing number. Bank of America uses a separate routing number for wire transfers.

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your Bank of America Routing Number

If you need to verify that 053000196 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to Bank of America and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call Bank of America to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your Bank of America account in North Carolina, 053000196 is likely the correct number.

Other Bank of America Routing Numbers

Routing Number State / Region Type
026009593 New York ACH & Wire
011000138 Connecticut ACH
051000017 Virginia, Washington DC ACH
063100277 Florida ACH
071000505 Illinois ACH
081000032 Missouri ACH
111000025 Texas ACH
121000358 California ACH
125000024 Oregon, Washington ACH

Frequently Asked Questions

Yes, 053000196 is the ACH routing number for Bank of America in North Carolina.

Routing number 053000196 belongs to Bank of America. It is used for North Carolina.

This routing number is used for ACH transfers including direct deposit, bill payments, and electronic transfers. For wire transfers, Bank of America may use a different routing number.

Yes, you can use 053000196 to set up direct deposit for your Bank of America account in North Carolina. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 053000196 identifies the bank and branch (Bank of America, North Carolina), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

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