Your checking account number is on the bottom left of your checks, in your bank's online portal, or by calling your bank's customer service line
The easiest place to look is the bottom of any check you have. The account number appears after the routing number and is usually 8 to 12 digits long. If you do not have checks in front of you, log into your bank's website or mobile app — most banks display your full account number on the account overview or dashboard page. If you cannot find it online, call the customer service number on the back of your debit card or on your bank's website; they can read it to you in under a minute.
You will need this number when setting up direct deposit, making wire transfers, paying bills online, or receiving refunds from the IRS, state tax agencies, or other payers. Having it written down or saved somewhere safe saves time when you need it.
Key Takeaways
- Your checking account number appears on the bottom left of your checks, after the routing number.
- You can find your account number by logging into your bank's website or mobile app and looking at your account overview.
- If you do not have checks or online access, call your bank's customer service line and they will provide it over the phone.
- You will need your account number for direct deposit, wire transfers, and receiving refunds from government agencies or employers.
Reading the account number from a check
The bottom of a check contains three sets of numbers printed in a special magnetic ink. From left to right, they are: the routing number (9 digits), your account number (usually 8 to 12 digits), and the check number (3 to 4 digits). Your account number is the middle set.
Not all checks display the account number in the same position — some banks print it before the routing number or in a different order. If you are unsure which set is your account number, look at the account number field on your bank statement or online portal and match it to the numbers on the check.
If you have no checks available, move to the next section.
Finding it in your online banking portal
Log into your bank's website or open their mobile app. Most banks show your account number on the main dashboard or account overview page, often labeled "Account Number" or "Account Details." Some banks require you to click into a specific account if you have multiple accounts.
If you cannot find it on the main page, look for a section called "Account Information," "Account Settings," or "My Accounts." The account number is usually displayed in full, though some banks mask the first few or last few digits for security on shared devices. If the number is masked, you can usually click to reveal it or select an option to view the full number.
If your bank's app or website does not show the account number, or if you do not have online access set up, contact your bank directly.
Calling your bank to get the number
The fastest way to get your account number over the phone is to call the customer service number on the back of your debit card. Have your card and a form of ID ready. The representative will verify your identity by asking for your name, date of birth, or the last four digits of your Social Security number, then read your account number to you.
You can also call the main number on your bank's website. Wait times vary, but most banks answer within 5 to 10 minutes during business hours. Write down the account number as they read it to you, and ask them to repeat it so you have it correct.
What to do if you cannot locate your account number
If you have lost access to your online banking, do not have checks, and cannot reach customer service by phone, visit a branch in person. Bring a photo ID and your debit card. A teller can print out your account information or write down your account number for you on the spot.
If your account has been closed or transferred to another bank, you will need to contact your current bank for your new account number. If you are trying to receive a refund and your old account is closed, update your banking information with the payer (the IRS, your state tax agency, or your employer) as soon as possible so the refund goes to the correct account.
Using your account number safely
Your account number is necessary for legitimate transactions, but do not share it with anyone who contacts you unexpectedly. Scammers sometimes call or email claiming to be from your bank and ask for your account number to "verify" your account. Your bank already has your account number and will never ask for it unsolicited.
When you provide your account number for direct deposit, wire transfers, or refunds, make sure you are communicating with the official organization — the IRS website, your employer's payroll system, or your bank's secure portal. If you are unsure whether a request is legitimate, hang up and call the organization directly using the number on their official website or your statement.
Account number vs. routing number
Your account number and routing number are different. The routing number identifies your bank or credit union — all customers at the same branch typically share the same routing number. The account number identifies your specific account within that bank. You need both for direct deposit and wire transfers.
The routing number is the first set of nine digits on the bottom of your check. Your account number is the second set. If you need both, you can find them together on a check or by logging into your online banking portal.
Frequently Asked Questions
Can I use my debit card number instead of my account number?
No. Your debit card number is different from your account number, and most payers will not accept it for direct deposit or wire transfers. You must provide your actual account number, which you can find on a check or in your online banking portal.
What if my account number is different on my checks than in my online banking?
Contact your bank immediately. This usually means your checks are outdated or linked to a closed account. Your bank can issue new checks with the correct account number or confirm which number is currently active on your account.
Do I need my account number to receive a tax refund?
Yes. If you want your tax refund deposited directly into your checking account, you will need to provide your routing number and account number on your tax return or through the IRS website. Direct deposit is faster than a paper check.
Is it safe to text my account number to someone?
No. Do not text, email, or share your account number through unsecured channels. Only enter it on your bank's official website, in their app, or over the phone when you have called the bank directly using a number you know is legitimate.
How long does it take to get my account number if I call the bank?
Usually less than five minutes once you reach a representative. Have your ID ready so the verification process is quick. If you are calling during peak hours, you may wait 10 to 15 minutes to reach someone.