The fastest way: check your checks or online banking
Your routing number and account number are printed on the bottom left of every check you write. The routing number comes first (nine digits), then your account number (usually 10 to 12 digits). If you have checks in front of you right now, that is the quickest answer.
If you do not have checks or prefer not to dig them out, log into your bank's website or mobile app. Most banks display both numbers in the account details or settings section — often labeled "Account Information," "Account Details," or "Routing Information." The exact location varies by bank, but it is usually one or two clicks from your account dashboard.
You can also call your bank's customer service number (on the back of your debit card or on your bank statement) and ask them to read both numbers to you over the phone. Have your account number or card number ready when you call so they can verify your identity.
Key Takeaways
- Your routing number and account number are printed at the bottom left of any check you own, in that order.
- Log into your bank's website or app and look for "Account Information" or "Account Details" to find both numbers without writing a check.
- Call your bank's customer service line and ask them to provide both numbers — they will verify your identity first.
- The routing number identifies your bank branch; the account number identifies your specific account within that bank.
- Do not share your account number or routing number with anyone unless you are setting up a direct deposit, wire transfer, or automatic payment you initiated.
Where to look in your bank's app or website
Most online banking platforms put account details in one of three places. First, check your account dashboard or home screen — many banks display a summary that includes routing and account numbers. Second, look for a menu option labeled "Account," "Accounts," "Settings," or "Profile." Third, check your statements section; some banks print both numbers on the top or bottom of your monthly statement.
If you cannot find the numbers after checking those three spots, your bank's help section or FAQ usually has a page titled "Where do I find my routing number?" or "How do I find my account number?" Searching within the app or website for the word "routing" will often take you directly there.
What if you do not have checks or online access
Call your bank using the phone number on your debit card, a recent statement, or the bank's official website. Tell them you need your routing number and account number. They will ask you to verify your identity — usually by providing your full name, date of birth, and the last four digits of your Social Security number or your card number.
If you have a debit card but no online access, you can also visit a branch in person with your ID. A teller can write down both numbers for you on the spot. This takes five minutes and requires no appointment.
Understanding the difference between the two numbers
The routing number identifies the specific bank or credit union branch where your account lives. It is the same for everyone at that bank location. The account number is unique to you — it identifies your individual account within that bank. Together, they tell any payment system exactly where to send or pull money.
You need both numbers when you set up direct deposit (for paychecks or tax refunds), arrange automatic bill payments, or receive a wire transfer. Giving out just one without the other is not enough for most transactions to work.
Routing numbers vary by bank and location
If you have accounts at multiple banks, each one has a different routing number. Some large banks have different routing numbers for different regions or branches. If you are unsure which routing number belongs to which account, your bank statement or online banking portal will show the correct one for that specific account.
Do not assume all your accounts at the same bank share the same routing number — they usually do, but some banks assign different routing numbers based on the branch where you opened the account or the type of account you hold.
Security: when to share these numbers and when not to
It is safe to share your routing number and account number when you are the one starting the transaction — setting up direct deposit with your employer, arranging a wire transfer you requested, or authorizing an automatic payment to a bill you owe. In these cases, you control the transaction and know exactly where the money is going.
Do not share these numbers with anyone who contacts you first, even if they claim to be from your bank, the government, or a company you do business with. Scammers use these numbers to set up unauthorized withdrawals from your account. If someone asks for these numbers unsolicited, hang up and call your bank directly using the number on your card or statement.
Frequently Asked Questions
Can I use my account number alone to receive a direct deposit?
No. Direct deposit systems need both your routing number and account number to deposit money into the correct account at the correct bank. If you provide only the account number, the deposit will likely fail or go to the wrong place.
Do I need a new routing number if I move to a different state?
Not usually. Your routing number is tied to the bank branch where you opened your account, not your home address. If you move but keep the same bank account, your routing number stays the same. If you close that account and open a new one at a different bank, you will have a new routing number.
What if my bank statement does not show my routing number?
Most statements do show it, but if yours does not, log into online banking or call customer service. You can also find your routing number on your checks or by searching your bank's website for "routing number" — most banks publish a list of routing numbers for each branch.
Is it safe to text my routing number and account number to someone?
No. Text messages are not encrypted, and scammers can intercept them. Only share these numbers through secure channels: your bank's official app, a phone call to a number you know is correct, or in person at a bank branch. Never text them to anyone, even if they say they work for your bank.
What if I see multiple routing numbers listed for my bank?
Large banks often have different routing numbers for different regions or account types. Use the routing number that matches your specific account and branch. Your statement or online banking will show the correct one for your account. When in doubt, call your bank and confirm which routing number to use.