Your account number is the second set of digits printed at the bottom of your check
The account number on a check appears in the lower left section of the check, printed in magnetic ink. It comes after the routing number and before the check number. Most account numbers are between 8 and 12 digits long, though the exact length varies by bank.
The three numbers printed at the bottom of a check always appear in this order: routing number, account number, check number. If you look at the bottom left of any check, you'll see them separated by special symbols that look like colons or brackets.
You need this account number when you set up direct deposit, arrange automatic bill payments, or receive a wire transfer. It identifies your specific account at your bank, while the routing number identifies the bank itself.
Key Takeaways
- Your account number is the middle set of digits at the bottom left of your check, between the routing number and check number.
- Account numbers are typically 8 to 12 digits long, but the length depends on your bank.
- You can also find your account number on your bank statement, in your online banking portal, or by calling your bank's customer service line.
- Never share your account number with someone you don't trust, as it can be used to set up unauthorized transfers or payments from your account.
How to read the numbers at the bottom of a check
The bottom of a check contains three separate numbers printed in a special magnetic ink format called MICR (Magnetic Ink Character Recognition). Reading from left to right, you'll see the routing number first, then your account number, then the check number on the far right.
The routing number is always nine digits. Your account number comes next and is typically shorter. The check number appears last and is usually a smaller set of digits. Each number is separated by a symbol that looks like a colon with extra marks.
If the numbers are hard to read because the check is worn or faded, you can find the same account number printed elsewhere on your check. Many banks also print it in regular font in the upper right corner of the check, though this version may be formatted differently.
Other places to find your account number
Your bank statement shows your account number at the top or in a summary section. If you receive a paper statement in the mail, look for it near your name and address. Online statements display it in the same location, usually on the first page or in an account details section.
Your online banking portal displays your account number in the account overview or account settings area. Log in to your bank's website or mobile app and look for a section labeled "Account Information," "My Accounts," or "Account Details." The account number is usually visible without any additional steps.
You can also call your bank's customer service number on the back of your debit card or on your statement. Have your identification ready, and a representative can read your account number to you over the phone. This is the safest option if you need to verify the number before sharing it with someone.
Why banks print the account number on checks
The account number on a check allows the banking system to route your payment to the correct account when someone deposits or cashes the check. The MICR numbers at the bottom are read by automated sorting machines at banks and the Federal Reserve, which process millions of checks daily.
When you write a check, the person who receives it deposits it into their bank. That bank scans the MICR line to identify your bank (routing number) and your account (account number), then deducts the amount from your account. Without the account number printed on the check, the system wouldn't know which account to charge.
This is also why the account number is printed in a specific format and location — the machines that read checks are programmed to look for numbers in that exact spot and format.
Protecting your account number
Your account number is semi-public information — anyone who receives a check from you can see it. However, you should still protect it from people you don't know or trust. Someone with your account number and routing number could potentially set up unauthorized transfers or automatic payments from your account.
Never share your account number with someone who calls you claiming to be from your bank, even if they seem to know other details about your account. Banks never ask for your account number over the phone — they already have it in their system. If someone asks for it unsolicited, hang up and call your bank directly using the number on your card or statement.
If you suspect someone has used your account number without permission, contact your bank immediately. Most banks have fraud protection policies that limit your liability if unauthorized transfers are reported quickly.
Account numbers and refunds
When you receive a refund by direct deposit — whether from the IRS, an insurance company, or a business — you'll need to provide your account number along with your routing number. The refund processor uses these two numbers to deposit money into your account.
Make sure you provide the correct account number when requesting a refund by direct deposit. If you give the wrong number, the refund may go to someone else's account or be returned to the sender. If this happens, contact the organization that sent the refund and ask them to reissue it to the correct account number.
Some refund forms ask for the account number in a specific format or with a specific number of digits. If your account number is shorter than the spaces provided, leave the extra spaces blank or add zeros at the beginning — follow the instructions on the form.
Frequently Asked Questions
Is my account number the same as my routing number?
No. Your routing number identifies your bank, while your account number identifies your specific account at that bank. Both appear at the bottom of your check, with the routing number first (always nine digits) and the account number second (usually 8 to 12 digits).
Can someone access my account with just my account number?
Someone with your account number and routing number could potentially set up unauthorized transfers or payments, but they cannot withdraw cash or access your account online without additional information like your PIN or password. Still, protect both numbers from people you don't trust.
What if I can't read the numbers at the bottom of my check?
Check your bank statement or log into your online banking portal — both show your account number clearly. You can also call your bank's customer service line and provide your identification so they can read it to you.
Do I need my account number to deposit a check?
No. When you deposit a check into your own account, the teller or mobile app already knows which account you're using. You only need to provide your account number when someone else is sending money to you, like a refund by direct deposit.
Will my account number change if I close my account and open a new one?
Yes. Each account has its own unique account number. If you close your account and open a new one at the same bank, you'll receive a new account number and new checks with the updated number printed on them.