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Bank Of America IFSC and MICR Code:

State wise list of Bank Of America IFSC code, MICR code and addresses of all branches in India

Locate any details of Bank Of America branch in India.

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Bank of America IFSC Code:

A traditional fund transfer would easily take close to a week if not more, for the entire process to be completed. By making the fund transfer completely electronic and simplified, the time frame within which fund transfer between accounts take place within a few minutes to a few hours, anywhere in the country. Electronic fund transfer does not require paper documents and uses computer systems to enable movement of funds between accounts of banks that support the technology.

Individuals can transfer funds electronically either to the account of an individual or an organization. In India, Bank of America provides NEFT (National Electronic Fund Transfer) and RTGS (Real Time Gross Settlement) to its customers.

IFSC is a code that validates online banking transactions and enables you to successfully make and receive payments virtually. IFSC stands for Indian Financial System Code and is used by the Reserve Bank of India for the identification of source and destination banks in an electronic fund transfer. An IFSC code is made of 11 characters and is a combination of alphabets and numbers. The first 4 alphabetic characters of the code serves as an identification of the bank. The 5th character is like a control element and is reserved for future usage. The last part of the code, which is either numeric or alpha-numeric is the branch’s identification.

For instance, if the IFSC code of the Mumbai branch of Bank of America in Maharashtra is BOFA0MM6205, it can be deciphered as:

  • ‘BOFA’ – Bank of America
  • ‘0’ – Zero by default
  • ‘MM6205’ – Mumbai Branch

How to Search for Bank of America IFSC and MICR Code?

  • You can always contact your Bank of America branch over the telephone or visit the branch personally and attain the particular IFSC code you want for your transaction.
  • Bank of America also issues you cheque books at branches where you open an account. The leaves of the cheque book have the IFSC code printed on them in a corner. The 11 digit number on the cheque leaf is the code you are looking for.
  • There are faster and simpler ways in which you can find the IFSC code of your branch of Bank of America. By visiting BankBazaar’s website, your query can be answered in seconds. On the homepage, at the left bottom corner, there is a tab ‘Bank IFSC Code’. The tab takes you to a window with fields such as- bank name, state, district, branch name. You can enter all the fields by choosing from drop-down menus given for each field or selecting from a list, given on each page for the respective fields. The page generates a box displaying the IFSC code, the MICR code, the branch address as well as the phone number.

At Bank of America, you can enjoy safe, secure and convenient modes of electronic money transfer, making payment settlements a seamless and effortless task. The following types of transfer can be made at Bank of America:

  • From your account to another of your accounts in the same bank.
  • From one account to a different account in the same branch.
  • From one account to a different account of a different bank.
  • You can use either NEFT or RTGS for the above transfers.

NEFT at Bank of America:

Using this system of electronic transfer, you can send money from one bank account to a recipient bank account, anywhere in the nation. The recipient’s bank branch must also be equipped with handling electronic transfers in order to receive money online through NEFT. Once you have decided to send funds using NEFT, you must know the following details:

  • Beneficiary Name
  • Beneficiary Account Number
  • Beneficiary Bank Name
  • Beneficiary Bank Branch Name
  • IFSC Code of Beneficiary’s Bank Branch

Apart from these beneficiary details, you must provide the bank with your account number and other details as well. NEFT is cleared by RBI by following a DNS system, which is Deferred Net Settlement basis. The transactions are cleared in batches from banks in an hourly basis by the RBI.

RTGS at Bank of America:

Real Time Gross Settlement is a transaction mechanism that takes place real time. The transaction clearance time is shorter and the beneficiary’s account is credited as soon as the bank receives the transaction instruction. There is no bunching of transactions, like in NEFT. RTGS transactions are carried out independently and hence they are referred to as gross settlement. The payment gateway of RTGS is handled by the RBI, hence the payments made through this channel are irreversible and final.

RTGS transactions are chosen for transfers that are high in value. The transfers usually happen within minutes or a few hours. The information required prior to initiating an RTGS transfer is the same as in NEFT.

Bank of America is established in the United States of America. It commenced its operations in India through its first branch in Mumbai in 1964. Bank of America provides a wide array of financial services and products in India. Through its client focus and commitment, Bank of America has managed to create a huge client base and a good reputation through market expertise in the financial sector in India. Currently, Bank of America has four more branches in New Delhi, Bengaluru, Chennai and Kolkata.

News Related to Bank of America IFSC Code
  • Mobile Banking on the Rise at Bank of America and Others

    Banking customers’ ever-growing predilection for mobile phone features has revolutionized the approach towards financial products and services. But there are more changes in the pipeline. Undeniably mobile banking is not something that you can ignore. As per the 2015 Bank of America Trends in Consumer Mobility 51% of survey attendees utilized mobile or online banking with the help of IFSC Codes, which is way more than the number in 2014. Not that traditional banking still don’t hold any value. The survey also showed that 80% of the attendees accepted that the visit their branch at least once in the past few months.

    20th August 2015

  • Bank of America Amps up its Mobile Banking Services

    With changing user trends, Bank of America has been changing its banking strategies to provide better mobile banking services to its customers. Bank of America has seen an exponential increase in its mobile banking customer base, leading to the bank’s decision of shifting to more user-based digital services. Customers find banking using their mobile phones quicker and convenient, when compared to other forms of banking services. Fund transfers can be done in a matter of seconds via mobile banking and customers can find the list of Bank of America IFSC codes required for these transactions on BankBazaar.com. Mobile banking has also improved efficiency and streamlined processes for retail banks.

    16th July 2015


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