In the Mobile app1
Before you get started
- You'll need to add the recipient before you can send a wire/ACH transfer. Scroll to the "Add a new recipient" instructions or, if they're already added, skip to the “Make a transfer” instructions.
- To send a wire/ACH transfer, you must be enrolled in Secured Transfer. If you aren't enrolled, you'll be prompted to do so — please have your debit card and PIN ready.
Add a new recipient
Log in to the Mobile app and tap Pay & Transfer.
Tap Wire/ACH.
Tap Manage recipients.
Tap Add New Recipient. Follow the on-screen prompts.
Note: You’ll need to confirm with the recipient or recipient bank the required ACH or wire routing number for the type of transfer you’re sending.
Make a transfer — domestic wire
Log in to the Mobile app and tap Pay & Transfer.
Tap Wire/ACH, then tap Pay.
Select Recipient. If a recipient isn’t listed, tap Add new recipient and follow the on-screen prompts.
Note: Use these fields to add details about your wire transfer:
- Note to recipient: Helps the recipient identify the payment (for example: Invoice 1234, Order 56778, or Project ABC payment).
- Note to recipient bank: Provides special instructions for the recipient's bank, such as For Further Credit (FFC) details (for example: FFC to ABC Company Account 12345).
Review the transfer details, confirm and tap Pay.
To complete the transaction, request an authorization code by selecting a mobile number and tapping Next. When the code arrives, enter it and tap Next again — you'll receive confirmation.
Make a transfer — domestic ACH
Log in to the Mobile app and tap Pay & Transfer.
Tap Wire/ACH, then tap Pay.
Select Recipient. If a recipient isn’t listed, tap Add new recipient and follow the on-screen prompts.
Note: Some transactions, like real estate closings, may require a wire transfer. Check with your recipient before sending.
Review the transfer details, confirm and tap Pay.
To complete the transaction, request an authorization code by selecting a mobile number and tapping Next. When the code arrives, enter it and tap Next again — you'll receive confirmation.
Make a transfer — international wire
Log in to the Mobile app and tap Pay & Transfer.
Tap Wire/ACH, then tap Pay.
Select Recipient. If a recipient isn’t listed, tap Add new recipient and follow the on-screen prompts.
Note: The estimated exchange rate will only be displayed and available for 10 minutes. If you haven’t completed the transfer in 10 minutes, the session will expire and you’ll need to start over.
Review the transfer details, confirm and tap Pay.
To complete the transaction, request an authorization code by selecting a mobile number and tapping Next. When the code arrives, enter it and tap Next again — you'll receive confirmation.
Important: You have 30 minutes to cancel the transfer after completion if needed (not applicable to business accounts).
Receive a transfer
You'll need to give the sender your information, including the:
- Account holder name on the receiving account
- Account number receiving the funds
- Routing number
- For domestic, log in, select your account, and then tap Account & Routing # at the top of the screen.
- For international, provide the Bank& of America SWIFT/BIC code:
- If the wire will be received in U.S. dollars, use SWIFT code BOFAUS3N, Bank of America, N.A., 222 Broadway, New York, NY 10038.
- If the wire will be received in foreign currency, use SWIFT code BOFAUS6S, Bank of America, N.A., 555 California St., San Francisco, CA 94104.
- If you're not sure of the currency, use SWIFT code BOFAUS3N.
