The account number is the second set of digits on the bottom left of your check, after the routing number
Your account number appears in the lower left corner of any check you write, printed between the routing number and the check number. It is usually 10 to 12 digits long, though the length varies by bank. The routing number comes first (nine digits), then your account number, then the check number on the far right. All three are printed in magnetic ink that machines can read.
You need this number when you set up direct deposit, arrange automatic bill payments, or receive a wire transfer into your account. Banks also ask for it when you call to report a lost check or dispute a transaction. Unlike your routing number, which is the same for everyone at your bank, your account number is unique to you.
Key Takeaways
- Your account number sits between the routing number and check number in the lower left corner of any check.
- Account numbers are typically 10 to 12 digits, but the exact length depends on your bank.
- You can also find your account number on your bank statement, your debit card, or by logging into your online banking portal.
- The account number is different from your routing number — the routing number identifies your bank branch, while the account number identifies your specific account.
How to read the numbers on the bottom of a check
The bottom of a check contains three separate numbers printed in a special magnetic format. Reading from left to right, you see the routing number first (nine digits), then your account number (usually 10 to 12 digits), then the check number (usually four to five digits on the far right). Some checks also print the check number in the upper right corner for convenience.
The spacing between these numbers is deliberate — machines that process checks read them in this exact order. If you are writing down your account number by hand, copy only the middle set of digits. Do not include the routing number or check number, as those serve different purposes.
Finding your account number without a check
If you do not have a check in front of you, your account number appears in several other places. Your bank statement — whether you receive it by mail or view it online — shows your account number at the top or in a summary section. Your debit card also displays it, usually on the front or back. The easiest method is to log into your online banking portal or mobile app, where your account number is listed in the account details or settings section.
You can also call your bank's customer service line and provide your name and Social Security number to confirm your account number over the phone. This is the safest option if you need to verify the number before sharing it with a third party, since the bank can confirm your identity before releasing the information.
Why banks print account numbers on checks
Checks are designed to move money between accounts, so both the routing number and account number must be printed where machines can read them. When you write a check, the recipient's bank uses the routing number to find your bank, then uses the account number to locate your specific account and withdraw the funds. Without both numbers in machine-readable format, the check-clearing system would not work.
This is also why you should never share a blank check with someone you do not trust — they have access to both your routing number and account number, which is enough information to set up unauthorized payments from your account. If you lose checks or suspect someone has copied your account information, contact your bank immediately.
The difference between account number and routing number
Your routing number identifies your bank or credit union and the specific branch where your account is held. It is the same for all customers at that branch. Your account number identifies your individual account within that bank — no two accounts at the same bank share the same account number. Together, they form a complete address for your money.
When you set up direct deposit at work, for example, you provide both numbers. Your employer uses the routing number to send the payment to the correct bank, then the account number to deposit it into the correct account. If you provide only one number, the transaction will fail or go to the wrong place.
What to do if you cannot read the numbers on your check
If the numbers on the bottom of your check are faded, smudged, or unclear, do not guess. Contact your bank directly — they can confirm your account number and routing number by phone or through your online account. You can also order new checks from your bank, which will print the correct numbers clearly.
If you are trying to read someone else's check (for example, to process a payment they sent you), ask them to provide the numbers directly rather than trying to decipher a faded or damaged check. This prevents errors and protects both of you.
Frequently Asked Questions
Is it safe to give someone my account number from a check?
Your account number alone is not enough for someone to withdraw money — they also need your routing number, which is printed right next to it. However, sharing a photo or copy of a check gives someone both numbers. Only provide your account and routing numbers to trusted sources like your employer, a bill payment service you set up yourself, or your bank.
Can I use my account number to receive money without giving out my routing number?
No. Both numbers are required for any transfer into your account, whether it is direct deposit, a wire transfer, or an ACH payment. You cannot separate them — they work as a pair to identify your account to the banking system.
What if the account number on my check does not match my bank statement?
Contact your bank immediately. A mismatch usually means the check was printed incorrectly, or you may have multiple accounts at the same bank. Your bank can confirm which number is correct and, if needed, reorder checks with the correct account number printed on them.
Do I need to memorize my account number?
No. You can look it up whenever you need it — on a check, your statement, your debit card, or your online banking portal. Most people do not memorize it because they rarely need to type it by hand. Write it down and store it securely if you use it frequently.