Bank of America UETR Tracking
Check what the trackers can show.
When a Bank of America transfer is delayed, "sent" is not a real answer. uetr.ai checks public bank trackers and organizes available status context before your next bank conversation.
Track Bank of America transfer
Public bank tracker lookup. Free preview.
Bank of America SWIFT Code, IBAN & International Wire Transfer Details
Everything you need to send or receive an international SWIFT bank transfer with Bank of America, N.A. (United States (US)): the SWIFT/BIC code, IBAN format, and the routing details correspondent banks use. Verify every field on your own payment advice before sending funds.
Bank of America, N.A.
222 Broadway, New York, NY 10038, USA
Not used. US banks do not have IBANs — international senders use the SWIFT/BIC code BOFAUS3N with your account number and the ABA routing number.
BIC Code Structure
Bank of America international wires, BIC codes, and UETR tracking
Which Bank of America SWIFT code to use: BOFAUS3N or BOFAUS6S
Bank of America, N.A. uses more than one SWIFT/BIC code depending on the currency of an incoming wire. For an incoming wire in US dollars the reference code is BOFAUS3N (BOFAUS3NXXX in the 11-character form), registered to the New York head office at 222 Broadway. For an incoming wire in a foreign currency, Bank of America directs senders to a separate code, BOFAUS6S. Choosing the wrong one is the most common Bank of America wire mistake, so match the code to the settlement currency and confirm it on the instructions Bank of America gives you. For domestic US transfers, Bank of America uses an ABA wire routing number rather than the SWIFT code.
Finding the UETR and tracking a Bank of America wire
Every cross-border SWIFT payment to or from Bank of America carries a UETR, the 36-character reference in field 121 of the MT103. Corporate clients see payment detail in CashPro, while consumer customers usually have to ask Bank of America to trace a wire, because retail online banking has no self-service UETR lookup.
With uetr.ai you paste the UETR and we check the public SWIFT gpi tracker sources we can reach, then explain the status in plain English, for example ACSP for accepted and in process, PDNG for pending, or RJCT for rejected, so you can see where the payment is rather than waiting for a callback.
Interactive UETR Correspondent Trace Simulator
See an illustrative example of how correspondent banking status events can appear. This simulator does not query Swift, banks, or live payment records.
Why a Bank of America transfer can still go silent with no update
When you start an international bank transfer through Bank of America, the transfer travels across the SWIFT network. Instead of going directly, your transfer routes step by step through intermediate institutions known as correspondent banks.
If a delay occurs, checking the status in your CashPro / BofA Online Banking may show only the information available to Bank of America. Other events may depend on correspondent banks, network confirmations, and the access rights of the banks involved.
uetr.ai acts as an independent information monitor. When you provide your 36-character UETR (Unique End-to-end Transaction Reference), we check public bank trackers that can be queried with the details you provide.
We assemble available events into a single plain-English timeline. Use that context to ask more precise questions of the sending or receiving bank.
What CashPro / BofA Online Banking does not show you
Bank of America's own dashboard typically reports only the leg of the payment Bank of America can see. It does not show what a correspondent or beneficiary bank later reported against the same UETR. uetr.ai checks the public SWIFT gpi trail across every bank in the chain, so you can tell whether the wire is still in transit, held at an intermediary for compliance, credited to the beneficiary, or rejected, and which bank reported it.
uetr.ai vs. Standard Static BIC Registers
Why static directory records are different from live tracker status checks.
| Feature Comparison | uetr.ai (Tracker Monitor) | Standard Static BIC Registers |
|---|---|---|
| SWIFT BIC Base Codes | Included with dynamic copy capabilities and segment parsers. | Basic static database search logs. |
| UETR / SWIFT Field 121 Tracking | Public bank trackers where available | ❌ No (Only lists static branch registrations) |
| Correspondent Banking Nodes Check | Explains visible ACSP, ACWC, RJCT status data where available. | No (static registers do not provide payment-status events) |
| Interactive Simulator Tools | Includes UETR correspondent trace visualizer & SWIFT code segment analyzer. | Simple text layouts with no interactive elements. |
| AI / LLM Agent-Friendly Readability | Optimized SSR (No-JS fallback mode with advanced JSON-LD multigraphs). | Complex web frameworks requiring client side hydration. |
Interactive SWIFT Code Parser
Paste any SWIFT/BIC code below to parse its standard segments. Always confirm the correct routing details with the sending or receiving bank before initiating a payment.
Inside the Process: SWIFT GPI & Correspondent Networks
Learn how correspondent banking and UETR references can help identify international transfer status information.
01/ The Legacy Correspondent Grid
When you start a transfer through Bank of America, it may travel over the correspondent banking network. If Bank of America does not hold direct clearing accounts with the destination institution, it may route the transfer through intermediary banks.
These intermediary banks may maintain bilateral clearing ledgers (Nostro and Vostro accounts). Banks in the chain may inspect the transfer, run compliance checks, apply fees, and operate on local cutoff schedules, all of which can affect timing.
02/ SWIFT GPI & UETR Field 121
In the past, once a transfer left the sending bank, tracking could become difficult for customers. Swift gpi and the UETR give banks a consistent 36-character reference for tracing payment status.
A UETR is a standardized 36-character string formatted in five hyphenated segments and intended to remain consistent as the transfer travels from Bank of America through the payment chain. uetr.ai uses that reference to check public tracker sources and present available status context.
03/ Decoding SWIFT GPI Clearing Codes
The payment has been accepted for processing or settlement. Confirm operational meaning with your bank.
The instruction was accepted with a change. Ask the bank what changed and whether it affects fees, routing, or amount.
The payment or instruction was rejected. Ask the sending bank for the rejection reason and next steps.
Tracker data reports a completed or credited status. Confirm receipt directly with the beneficiary bank.
04/ Primary Causes of Cross-Border Payment Delays
Compliance & Sanctions Screening
Banks may screen payment parties against sanctions and compliance lists. A possible match can trigger manual review.
Timezones & Cut-Off Windows
Banking cutoffs, weekends, and holidays can affect when each institution processes the payment.
Intermediary Fees
Intermediary fees and charge instructions such as SHA/BEN can affect the amount received and may require bank clarification.
Where is your Bank of America wire stuck?
A Bank of America payment can pause at any hop in the correspondent chain. The same UETR is reported by each bank along the way, so tracking it shows which institution last touched your money and where it is waiting.
How to find your UETR on a Bank of America transfer
A UETR (Unique End-to-end Transaction Reference) is a standard 36-character reference commonly used for Swift gpi payment tracking.
Access CashPro
Log in to Bank of America CashPro or BofA commercial portal. Go to outbound international wires history.
Locate UETR
View details of the desired payment. Under SWIFT or bank reference information, locate the 36-character UETR code.
Check the Trackers
Input the UETR in the uetr.ai form. We check bank trackers for any available BofA or correspondent-bank status events.
Typically located on the Outbound wire details or payment receipt. If not visible in your online dashboard, you can request the MT103 file directly from Bank of America's customer support.
Bank of America wire status codes in plain English
When you track a Bank of America UETR, the SWIFT gpi network reports a status code. Here is what each one means for your money and what to do next. These codes follow the ISO 20022 External Code Sets and are the same across every bank.
| Status | What it means for your money | What to do |
|---|---|---|
| ACSPAccepted, Settlement In Process | In transit. A bank accepted the payment and it is moving through the chain. | Keep tracking the UETR for the next reported step. |
| ACSCAccepted, Settlement Completed | Settlement between the banks is complete on the sending side. | Check that the beneficiary bank has credited the account. |
| ACCCAccepted, Credit Settlement Completed | Credited to the beneficiary's account. The money has arrived. | Confirm receipt with the recipient. |
| ACWCAccepted With Change | Accepted, but a detail was changed (for example a charge or a corrected account). | Ask the bank what changed and whether it affects the amount received. |
| PDNGPending | Held while a bank runs a check or waits for more information. | Ask which bank is holding it and why, often a compliance review. |
| RJCTRejected | A bank rejected the payment or instruction. | Ask the sending bank for the rejection reason and next steps. |
Track SWIFT Transfers on Other Global Banks
Compare UETR guides and routing data across other global networks.
FAQ
Frequently Asked Questions: Bank of America Wire Tracking
What is Bank of America's SWIFT code?
For incoming US dollar wires the reference SWIFT/BIC is BOFAUS3N (BOFAUS3NXXX in the 11-character form). For incoming foreign-currency wires, Bank of America uses a separate code, BOFAUS6S. Confirm the correct one on the instructions Bank of America gives you.
What is Bank of America's SWIFT code and address?
For US dollar wires the code is BOFAUS3N and the registered head office is 222 Broadway, New York, NY 10038. For a foreign-currency wire use BOFAUS6S. Give the sender the matching code, your account number, and that address if the form asks for it.
Does Bank of America use an IBAN?
No. US banks, including Bank of America, do not use IBANs. Provide your account number with the ABA routing number for a domestic transfer, or with the SWIFT code (BOFAUS3N for US dollars) for an incoming international wire.
Is the Bank of America SWIFT code different by state or city?
No. The code depends on the currency of the wire, not the state. BOFAUS3N (US dollars) and BOFAUS6S (foreign currency) are used nationwide, whatever state or city your account is in.
How do I find my Bank of America SWIFT code in online banking?
Bank of America uses BOFAUS3N for US dollar wires, so you can use it directly. To confirm, open the wire transfer or account details in Online Banking or the mobile app where incoming-wire instructions appear.
What is the difference between BOFAUS3N and BOFAUS6S?
BOFAUS3N is for incoming wires settled in US dollars. BOFAUS6S is for incoming wires settled in a foreign currency. They are the same bank, split by settlement currency, not by branch.
Which Bank of America SWIFT code should I use?
Match the code to the currency of the wire: BOFAUS3N for US dollars, BOFAUS6S for a foreign currency. When in doubt, use the code printed on the payment instructions Bank of America provides.
Is the Bank of America SWIFT code the same for all branches?
Yes. The codes are bank and currency specific, not branch specific. You do not need a branch-level SWIFT code for an incoming international wire.
Is the Bank of America SWIFT code 8 or 11 characters?
The 8-character BOFAUS3N is sufficient. The 11-character BOFAUS3NXXX adds XXX, which simply denotes the head office.
How do I track a Bank of America wire transfer?
Find the 36-character UETR in field 121 of the MT103 or on the SWIFT confirmation and paste it into uetr.ai to check public bank trackers. You can also ask Bank of America to trace the wire; the bank remains the official source.
Where do I find the UETR on a Bank of America wire?
On the MT103 or SWIFT payment confirmation. Corporate clients can view payment detail in CashPro; retail customers can request the UETR from Bank of America.
Why is my Bank of America international wire still pending?
International wires can route through correspondent banks that add compliance screening, cut-off times, and timezone delays. The UETR shows which bank in the chain last reported a status, so you know where to ask.
Can uetr.ai trace domestic wires for Bank of America?
No, uetr.ai is designed for international wires carrying a SWIFT UETR. Domestic wires (like Fedwire, ACH, or SEPA payments without UETR headers) use domestic clearing references and are outside this lookup unless a tracker source can be checked with the details you provide.
Is my data secure when checking Bank of America UETRs?
Yes. The service is designed for read-only lookups. We never request passwords, tokens, or personal bank login info. We use the payment reference, amount, currency, and date to query bank trackers and operate the monitoring service.
Regulatory Disclosure
uetr.ai is an independent information service. We are strictly a read-only payment monitoring dashboard. We never hold, move, custody, send, or process money. We are not a money transmitter or payment processor. Always consult Bank of America directly for official disputes or payment issues.