Bank of America account numbers are 10 digits long
Your Bank of America account number is always 10 digits. This is the core identifier for your specific account, separate from your routing number (which is 9 digits) and your card number (which is 16 digits for debit or credit cards). When you set up direct deposit, wire money, or authorize an ACH payment, you will use this 10-digit account number.
The account number appears on the bottom left of your checks, right after the routing number. It also shows in your online banking portal under account details. If you have multiple accounts with Bank of America — a checking account, a savings account, a money market account — each one has its own separate 10-digit number.
Key Takeaways
- Bank of America account numbers are always 10 digits, printed on the bottom left of checks after the routing number.
- Your account number is different from your routing number (9 digits) and your card number (16 digits), and each serves a different purpose in transactions.
- You will need your account number for direct deposit, wire transfers, ACH payments, and bill pay setup.
- Each Bank of America account you own has its own unique 10-digit number, even if they are linked under one login.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check. Look at the bottom of the check: you will see three sets of numbers. The first set (9 digits) is your routing number. The second set (10 digits) is your account number. The third set is the check number itself.
If you do not have checks on hand, log into your Bank of America online banking account or mobile app. Go to your account details or account information page — the exact label varies slightly by device, but it is usually under "Account" or "Settings." Your account number will be listed there in full. You can also call Bank of America customer service at 1-800-432-1000 and provide your identification to have them read it to you over the phone.
Why the 10-digit format matters for payments
The 10-digit length is a Bank of America standard, but it is important to know because different payment methods ask for different pieces of information. When you set up a direct deposit from your employer, you will provide both your routing number and your 10-digit account number — the employer needs both to route the deposit to the correct bank and the correct account within that bank.
For wire transfers, ACH payments, and bill pay, you will also need both numbers. If you provide only the account number without the routing number, the payment will not go through. Conversely, the routing number alone is not enough — it only tells the system which bank to use, not which account at that bank to use.
Account numbers and security
Your 10-digit account number is not secret in the same way your PIN or password is. It appears on every check you write, so anyone who receives a check from you will see it. However, you should not share it casually or post it online.
The account number alone cannot be used to withdraw money or make unauthorized transfers — a fraudster would also need your routing number, and even then, most transfers require additional verification like a password or two-factor authentication. If you are concerned about fraud or believe someone has misused your account number, contact Bank of America immediately at 1-800-432-1000 or through your online banking portal to report it and review recent transactions.
What happens if you enter the wrong account number
If you enter an incorrect 10-digit account number when setting up a payment, the transaction will usually fail before it processes. The system will not find a matching account and will return an error. This is a safety feature — it prevents money from going to the wrong place.
If a payment does go through to the wrong account by mistake, contact Bank of America right away. The bank can attempt to recover the funds, but the process depends on whether the receiving account is also at Bank of America or at another institution. Recovery is faster and more likely if both accounts are at the same bank. If the receiving bank is different, Bank of America will file a claim, but the other bank is not required to return the money immediately.
Frequently Asked Questions
Is my Bank of America account number the same as my debit card number?
No. Your debit card number is 16 digits and is printed on the front of your card. Your account number is 10 digits and appears on your checks and in your online banking portal. They are linked to the same account, but they are different numbers used for different purposes.
Do all Bank of America accounts have 10-digit numbers?
Yes. Whether you have a checking account, savings account, money market account, or any other type of Bank of America deposit account, the account number will always be 10 digits. Each account has its own unique number.
Can I change my Bank of America account number?
No. Your account number is permanent and cannot be changed. It is assigned when you open the account and stays with it for the life of the account. If you close the account and open a new one, you will receive a new 10-digit account number.
What do I do if I forgot my account number?
Log into your Bank of America online account or mobile app and look under account details. You can also call 1-800-432-1000 with your identification ready, or visit a Bank of America branch in person with a photo ID and they will provide it to you.
Do I need my account number to log into online banking?
No. You log in with your username and password or online ID. Your account number is not used for login security. However, you will see your account number once you are logged in and viewing your account details.