Routing numbers are a fundamental part of the U.S. banking system. Every time you deposit a check, transfer money, or receive direct deposit, routing numbers are in play. In the simplest terms, a routing number is a unique 9-digit code that identifies a financial institution. These numbers were first introduced by the American Bankers Association (ABA) in 1910 to help streamline and organize financial transactions. Today, routing numbers continue to help banks and clearinghouses route money correctly and efficiently.
Each routing number is unique to a bank and sometimes even to a specific geographic area. Whether you’re setting up payroll, making an electronic payment, or wiring money, knowing the correct routing number is crucial.
This article focuses specifically on the 111000025 routing number, explaining what it is, how it works, and why it’s essential for many Bank of America users.
What is the 111000025 Routing Number?
The 111000025 routing number is assigned to Bank of America, N.A., which is headquartered in Charlotte, North Carolina, but this specific routing number serves customers in Virginia. It is mainly used for ACH (Automated Clearing House) transactions, which are types of electronic transfers commonly used for things like payroll deposits and automatic bill payments.
This routing number plays a significant role in securely moving funds between banks. It ensures that transactions initiated by individuals or businesses are routed through the correct banking network. The 111000025 routing number helps identify the origin and destination of a transaction so that money is processed without errors or delays.
Purpose of the 111000025 Routing Number
The 111000025 routing number is not just a random series of digits—it serves several important purposes. Here are the key uses:
ACH Transfers
The most common use of the 111000025 routing number is for ACH transfers. These transactions include:
- Direct deposit of paychecks
- Government benefits
- Mortgage and loan payments
- Subscription or utility payments
Online Bill Payments
When you pay bills directly from your bank account, the routing number is used to identify your bank and authorize the transaction.
Direct Deposits
This routing number is also used to set up direct deposits from your employer or government agency into your Bank of America account in Virginia.
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Tax Refunds and Stimulus Payments
The IRS uses routing numbers to send out electronic tax refunds and other federal payments, such as stimulus checks.
Who Uses the 111000025 Routing Number?
The 111000025 routing number is specifically used by Bank of America account holders located in Virginia. However, its reach extends further in certain contexts:
Personal Banking Customers
Everyday customers who use Bank of America for checking, savings, or money market accounts in Virginia may use this routing number to handle daily transactions.
Business Account Holders
Small and medium-sized businesses based in Virginia rely on this routing number to process payroll, vendor payments, and other financial operations.
Freelancers and Contractors
If you work independently and get paid by companies that use ACH for compensation, you’ll need to provide this routing number to receive your money.
Financial Institutions
Other banks and third-party payment systems use this routing number to identify and connect with Bank of America’s Virginia accounts.
Where to Find the 111000025 Routing Number
If you’re unsure where to locate the 111000025 routing number, here are some trusted sources:
Bank Checks
The most common way to find your routing number is by looking at the bottom of a paper check. It appears as the first set of nine digits on the left-hand side.
Online Banking
When you log into your Bank of America account online or through the mobile app, you can find your routing number under your account details.
Bank of America Customer Service
If you still have doubts, you can call Bank of America’s customer service or visit a local branch to confirm your routing number.
Official Website
Bank of America’s official website maintains a list of routing numbers for all states and transaction types. This ensures you’re always using the correct number for your needs.
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Is the 111000025 Routing Number the Same for All Transfers?
No, it’s crucial to understand that routing numbers vary depending on the type of transaction. The 111000025 routing number is specifically designated for ACH transactions in Virginia. Here’s a breakdown:
ACH Transfers
Yes, 111000025 is valid.
Wire Transfers
No, for wire transfers (both domestic and international), Bank of America uses a separate routing number or SWIFT code. For example, the domestic wire routing number might be different (like 026009593), and international transfers use the SWIFT code BOFAUS3N.
Paper Checks
Yes, this routing number may appear on checks issued to account holders in Virginia.
Always double-check with your bank to ensure you’re using the correct routing number for your specific transaction.
Importance of Using the Correct Routing Number
Using the correct routing number is critical. Here’s why:
Transaction Success
Incorrect routing numbers can result in failed or delayed payments. This could affect bill payments, salaries, or personal transfers.
Avoiding Fees
Some banks may charge a fee if a transaction fails due to an incorrect routing number. You may also incur penalties from service providers if a bill payment is missed.
Protecting Your Funds
Entering the wrong number can send your money to the wrong account, and recovering it might be difficult or even impossible.
Make it a habit to verify routing numbers before finalizing any transfer.
How to Use the 111000025 Routing Number for ACH Transfers
Setting up an ACH transfer using the 111000025 routing number is easy and can be done in a few steps:
- Log into your Bank of America account
- Select the option to make a payment or transfer
- Choose ACH transfer as the method
- Enter the recipient’s bank account details, including the 111000025 routing number
- Double-check the information and confirm
This method is often used for recurring payments, like rent, or for receiving direct deposits from employers.
Differences Between ACH and Wire Transfers
While both ACH and wire transfers move money between banks, they are quite different:
| Feature | ACH Transfers | Wire Transfers |
| Speed | 1-3 Business Days | Same Day (Domestic) |
| Cost | Usually Free or Low-Cost | Higher Fees (up to $30-$50) |
| Use Case | Salaries, Bill Payments, Subscriptions | Large Sums, Real Estate Deals |
| Routing Number | 111000025 (for VA) | Different Number + SWIFT Code |
Understanding the difference helps you choose the right method for each financial need.
Bank of America and the 111000025 Routing Number
Bank of America is a global financial institution with branches across all 50 U.S. states. It serves millions of customers with services that include:
- Personal Banking
- Business Banking
- Credit Cards
- Loans and Mortgages
- Investment Services
As one of the biggest banks in the world, it uses many different routing numbers depending on location and service type. The 111000025 routing number is just one of many it operates, specifically for ACH transactions in Virginia.
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International Transfers and the 111000025 Routing Number
If you’re dealing with international money transfers, the 111000025 routing number will not apply. Instead, you’ll need:
- SWIFT/BIC Code: BOFAUS3N
- Bank Name: Bank of America, N.A.
- Address: Specific to branch or central headquarters
- Recipient’s Full Account Number
International wire transfers have stricter requirements, so always confirm with your bank before initiating a transfer.
Security and Privacy When Using Routing Numbers
Routing numbers are public information, but they must be used responsibly:
Keep Account Numbers Private
While the routing number can be shared, never share your full account number unless it’s with a trusted source.
Use Secure Websites
When entering bank information online, ensure the site is encrypted and has a valid security certificate.
Enable Notifications
Set up text or email alerts for any transfers or deposits to monitor your account in real time.
Monitor Your Account
Regularly check your account statements and report any suspicious activity immediately.
Common Issues Related to the 111000025 Routing Number
Here are some common problems and how to avoid them:
Wrong Transfer Type
Using 111000025 for a wire transfer can cause delays or failures. Always verify the transfer type.
Typing Errors
Misplacing even one digit can reroute the transaction. Double-check every number.
Outdated Information
Routing numbers can change due to mergers or reorganization. Verify current info on the official Bank of America website.
Alternatives to the 111000025 Routing Number
If you’re not banking in Virginia or using a different transaction type, you’ll need a different routing number. Here’s how to find the right one:
- Log into online banking
- Check your paper checks
- Call customer service
- Search the bank’s website by state or transaction type
This ensures your money reaches the right destination every time.
Related Terms to Know
Understanding these related banking terms will help:
- ABA Number: Synonym for routing number
- Transit Number: Used in Canada
- ACH: Electronic payment network in the U.S.
- SWIFT Code: Code used for global wire transfers
- MICR Line: Printed line on checks with routing and account numbers
Why It Matters Worldwide
Even though routing numbers are part of the U.S. banking system, understanding them is important globally. Here’s why:
- International Workers: Need routing numbers to send money home
- Freelancers: Get paid from U.S. companies
- E-commerce Sellers: Receive U.S. payments
- Students: Manage U.S. accounts while studying abroad
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FAQs About the 111000025 Routing Number
What is the 111000025 routing number for?
It is used for ACH transfers with Bank of America in Virginia.
Can I use the 111000025 routing number for wire transfers?
No. Wire transfers often require a separate routing number or SWIFT code.
Where can I find the 111000025 routing number?
You can find it on checks, in online banking, or by contacting Bank of America.
Is the 111000025 routing number safe to use?
Yes, but make sure to protect your full account number.
Can international customers use the 111000025 routing number?
No, they should use the SWIFT code for international transfers.
What if I use the wrong routing number?
The transaction may fail or go to the wrong person. Contact your bank right away.
Does every Bank of America customer use 111000025?
No. Only customers in Virginia using ACH transfers should use this number.
How do I know if 111000025 is the right number for me?
Check your location and transaction type. This routing number is for ACH in Virginia.
How long do ACH transfers take using 111000025?
Usually 1-3 business days.
Is there a fee for using 111000025 for ACH transfers?
ACH transfers are typically free or very low-cost.
Final Thoughts
The 111000025 routing number is a small but mighty detail that makes a big difference in your financial transactions. By understanding how it works and when to use it, you can handle your banking needs with confidence and avoid costly errors.
Whether you’re a student, a business owner, or an international freelancer dealing with U.S. payments, understanding routing numbers like 111000025 helps you manage your money safely and smartly.
