A checking account number is 8 to 12 digits printed on the bottom left of your checks, right after your bank's routing number
Your account number is the second set of numbers on a check. It comes after the routing number (which identifies your bank) and before the check number (which counts your individual checks). The account number stays the same for as long as you hold that account, even if you order new checks or your bank merges with another.
The account number is unique to you at that bank. Two people at the same bank will have different account numbers. If you move your money to a different bank, you get a new account number, even if you keep the same name and address.
You need this number when you set up direct deposit, arrange automatic bill payments, or give someone your banking details to send you money. It is also what your bank uses to find your account when you call customer service or log into your online banking.
Key Takeaways
- Your account number is the second group of digits on a check, between the routing number and the check number.
- Account numbers are typically 8 to 12 digits long, but the exact length depends on your bank.
- You can find your account number on a check, in your online banking portal, on a bank statement, or by calling your bank.
- The account number is unique to you and stays the same throughout the life of that account.
How to read the numbers on the bottom of a check
The bottom of a check has three separate groups of numbers, always in this order from left to right: routing number, account number, check number. Each group is separated by a small vertical line or symbol.
The routing number comes first and is always nine digits. It tells the banking system which bank holds your account. The account number comes second and is the one you need for most transactions. The check number comes last and is unique to that single check — it helps you track which checks you have written.
If you look at two checks from the same account, the routing number and account number will be identical. Only the check number will change.
Where to find your account number without a check
If you do not have a check in front of you, your bank keeps your account number in several places you can reach quickly.
Online banking: Log into your bank's website or mobile app. Your account number usually appears on the dashboard or in an account summary section. Some banks label it "Account Number" and others call it "Account ID" — both mean the same thing.
Bank statements: Paper or electronic statements show your account number at the top or in the account details section. If you receive statements by mail, it is printed on the first page. If you view them online, look for a link that says "Account Information" or "Account Details."
Your debit card: Some banks print the account number on the back of the card, though not all do. Check the back or call the number on the front to ask.
Calling your bank: Phone the customer service number on the back of your debit card or on your bank statement. Have your name, Social Security number, and a form of ID ready. The representative will read your account number to you.
Why banks use different account number lengths
Account numbers are not all the same length because banks design their own numbering systems. Most banks use 8 to 12 digits, but some use fewer and others use more. A bank with millions of customers needs more digits to give each person a unique number than a smaller regional bank does.
The length does not matter for how you use it. Whether your account number is 8 digits or 12, you enter it the same way when you set up direct deposit or give it to someone who needs to send you money. The banking system handles the different lengths automatically.
If you are moving money between banks or setting up a transfer, you do not need to worry about length. Just copy the number exactly as it appears on your check or in your online banking. If you type it wrong, the receiving bank will catch the error and ask you to correct it.
What happens if you share your account number
Sharing your account number alone is generally safe. Your account number by itself does not let someone take money out of your account — they also need your routing number, and even then, most transactions require additional verification.
You share your account number every time you set up direct deposit at a job, arrange automatic bill payments, or ask someone to send you money via bank transfer. This is normal and expected.
What you should never share is your account number combined with your PIN, online banking password, or the three-digit security code on the back of your debit card. You also should not share your full banking details with anyone who contacts you unexpectedly by phone, email, or text — legitimate banks never ask for this information unsolicited.
Account numbers on different types of accounts
Checking accounts, savings accounts, and money market accounts all have separate account numbers at the same bank. If you have both a checking and a savings account, each one has its own unique number. This is how the bank knows which account to pull money from or deposit money into when you make a transaction.
When you set up direct deposit, you specify which account number you want the money to go to. If you accidentally give your savings account number instead of your checking account number, the deposit will go to savings. You can call your bank to correct it, but it is easier to double-check the number before you submit it.
If you close an account, that account number is retired. If you later open a new account at the same bank, you will receive a new account number, even if it is the same type of account.
Frequently Asked Questions
Can someone withdraw money from my account if they only have my account number?
No. Your account number alone is not enough to withdraw money. A person would also need your routing number, and even then, most banks require additional verification like a PIN or online login credentials. Sharing your account number for legitimate purposes like direct deposit is safe.
Is my account number the same as my routing number?
No. Your routing number identifies your bank (the same routing number is shared by all customers at that bank), while your account number identifies you specifically. Both appear on your check, but they are different numbers in different positions.
What if I cannot find my account number?
Call your bank's customer service line, which is printed on your debit card or on any bank statement you have received. Have your name, Social Security number, and a form of ID ready. The representative will provide your account number in less than a minute.
Do I need my account number to use my debit card?
No. Your debit card works with just the card number, expiration date, and security code. You only need your account number when you are setting up direct deposit, arranging transfers between banks, or giving someone your banking details to send you money.
Will my account number change if my bank merges with another bank?
Usually not, but it depends on the merger. Most banks keep existing account numbers the same to avoid disrupting direct deposits and automatic payments. If a change does happen, your bank will notify you in writing and give you time to update your information with employers and billers.