Your checking account number is printed 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 before the check number — it is usually 10 to 12 digits long, though the length varies by bank. If you do not have checks handy, log into your bank's website or mobile app and look for account details, account information, or account summary. Most banks display your full account number there. If you cannot find it online, call the phone number on the back of your debit card or on your bank statement; a representative can read it to you in under a minute.
You need your account number when you set up direct deposit, arrange wire transfers, pay bills through your bank's bill pay system, or provide banking details to an employer or government agency. Knowing where to find it quickly saves time when you are filling out forms or making financial arrangements.
Key Takeaways
- Your checking account number appears on the bottom left of any check, after the routing number and before the check number.
- You can find your account number by logging into your bank's website or mobile app under account details or account information.
- Calling your bank's customer service line using the number on your debit card or statement will get you your account number within minutes.
- You will need your account number for direct deposit, wire transfers, bill pay, and when providing banking details to employers or government agencies.
Finding your account number on a physical check
Look at the bottom of any check. You will see three sets of numbers printed in a special magnetic ink format. The first set is your bank's routing number (usually nine digits). The second set, in the middle, is your account number. The third set on the right is the check number itself.
The account number is typically 10 to 12 digits, but this varies by bank. Some banks use shorter numbers, others longer. Write it down or take a photo if you need to reference it later. If you have multiple checking accounts at the same bank, each one has its own account number — do not assume they are the same.
Locating your account number online
Log into your bank's website using your username and password. Look for a section labeled "Account Details," "Account Information," "Account Summary," or simply "Accounts." Most banks display your full account number prominently on this page. Some banks also show it in a section called "Routing and Account Numbers" or "Account Numbers."
If you use your bank's mobile app, the same information is usually available. Tap the account you want to view, then look for a details button or information icon. The account number should appear there. If you cannot find it after checking these common locations, use the app's search function or help menu to search for "account number."
Getting your account number by phone
Call the customer service number on the back of your debit card or on a recent bank statement. When you reach a representative, they will ask you to verify your identity — usually by providing your name, date of birth, and the last four digits of your Social Security number or the last four digits of your account number itself.
Once verified, the representative will read your full account number to you. This process takes just a few minutes. You can also ask for your routing number at the same time if you need both. Write down both numbers or ask the representative to repeat them slowly so you can confirm them correctly.
What to do if you cannot remember your account number
If you have lost your checks and do not have online access, calling your bank is the fastest option. You do not need to know your account number to call — the bank can look it up using your name and other identifying information. Have your Social Security number, date of birth, and a recent statement or debit card handy to speed up the process.
If you are locked out of your online account, use the "Forgot Password" or "Forgot Username" link on your bank's website to regain access. Most banks send a reset link to your email or phone within minutes. Once you are back in, your account number will be visible in your account details.
Keeping your account number safe
Your account number is sensitive information. Do not share it with anyone who calls or emails you claiming to be from your bank — legitimate banks never ask for your account number unsolicited. Only provide it to people and organizations you initiated contact with, such as your employer's payroll department or a bill pay service you chose to use.
When you write down your account number, store it in a secure place. If you take a photo of a check, keep that photo in a secure location on your phone or computer. Avoid texting or emailing your account number unless you are using your bank's official app or website.
Frequently Asked Questions
Is my account number the same as my debit card number?
No. Your debit card number is printed on the front of your card and is different from your account number. Your account number appears on checks and in your online banking portal. You need both for different purposes — the card number for purchases and the account number for direct deposit and bank transfers.
Can I use my account number to make purchases online?
No. Your account number alone cannot be used to make purchases. Online retailers ask for your debit or credit card number, not your account number. Your account number is used for bank-to-bank transfers, direct deposit, and bill pay through your bank's system.
What if my bank merged with another bank?
Your account number usually stays the same after a merger, but confirm this with your new bank. They will send you information about the merger and any changes to your account details. If your account number changed, you will need to update it with your employer, government agencies, and any services using automatic payments.
Do I need both my routing number and account number?
Yes, for most bank transfers and direct deposit. Your routing number identifies your bank, and your account number identifies your specific account within that bank. Both are required together. You can find both on the bottom of a check or in your online banking portal.