Your account number is on your debit card, checks, and online banking

Your Bank of America checking account number appears in three places you can reach right now: the bottom left of your debit card, the bottom of any check you have, or your online banking dashboard. The number is typically 10 digits long. If you need it for a wire transfer, direct deposit setup, or to give to an employer, any of these sources will work.

The fastest route is your debit card if you have it with you. The account number sits between the routing number and the check digit on the card's front or back, depending on your card design. If you do not have your card nearby, log into your Bank of America account online or through the mobile app — your account number displays on the account summary page without any extra steps.

Key Takeaways

  • Your Bank of America checking account number is a 10-digit code printed on your debit card, checks, and visible in your online account dashboard.
  • The debit card shows the account number at the bottom, usually between two other numbers — the routing number and check digit.
  • If you do not have your card or checks, log into your Bank of America online banking or mobile app to see your account number on the account summary page.
  • Your routing number (011000015 for most Bank of America accounts) is different from your account number and both are needed for wire transfers and direct deposit.

Finding your account number on your debit card

Look at the bottom of your Bank of America debit card. You will see a series of numbers printed there. The account number is the middle set — typically 10 digits. It sits between the routing number on the left and a check digit on the right. The routing number for most Bank of America checking accounts is 011000015, though some accounts use a different routing number depending on the state where you opened the account.

If your card is damaged or the numbers are worn, you can order a replacement card through your online banking account or by calling Bank of America at 1-800-432-1000. A replacement card arrives in five to seven business days, but you can still access your account number through other methods while you wait.

Locating your account number in online banking

Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, your account summary page displays your account number without any additional clicks. The number appears near your account name and balance information at the top of the page.

If you have multiple accounts, make sure you are looking at your checking account — the account number for a savings account or money market account will be different. The mobile app shows your account number in the same location as the website. You can also take a screenshot or write down the number for future reference.

Using your account number for direct deposit and wire transfers

When you set up direct deposit with an employer or government agency, you will need both your routing number and account number. The routing number for Bank of America is 011000015 for most accounts, though some regional accounts use 021000021 or 121000248. Your employer or the organization processing the transfer will ask for both numbers — do not give them just the account number alone.

For wire transfers, you will also need your full account number and routing number. Bank of America charges a fee for outgoing domestic wire transfers (typically $15 to $30, depending on your account type) and higher fees for international wires. The wire transfer itself usually processes the same business day if you submit it before the bank's cutoff time, which is typically 2 p.m. Eastern time on business days.

What to do if you cannot find your account number

Call Bank of America customer service at 1-800-432-1000. A representative can confirm your account number over the phone after verifying your identity with your Social Security number and other personal details. The call takes about five minutes. You can also visit a Bank of America branch in person with your ID, and a teller will provide your account number immediately.

If you are locked out of your online account, you can still call the phone number above or visit a branch. Bank of America does not send account numbers by email or text message for security reasons, so phone or in-person contact is the only way to retrieve it if you cannot access your card, checks, or online account.

Why your account number is different from your routing number

Your routing number identifies Bank of America as the bank. Your account number identifies your specific checking account within that bank. Both are required for direct deposit, wire transfers, and ACH payments. The routing number stays the same across all your Bank of America accounts; the account number changes for each account you hold.

Some people confuse the account number with the card number printed on the front of the debit card. The card number is a 16-digit number used for purchases and online transactions. The account number is the 10-digit number at the bottom of the card. They are separate numbers for different purposes — the card number is for spending, the account number is for banking transfers and deposits.

Frequently Asked Questions

Is my account number the same as my debit card number?

No. Your debit card number is the 16-digit number on the front of the card used for purchases. Your account number is the 10-digit number at the bottom of the card used for transfers and direct deposit. They are different numbers for different purposes.

Can I use my account number to make purchases online?

No. Online purchases require your 16-digit debit card number, expiration date, and CVV. Your account number is for banking transfers only — direct deposit, wire transfers, and ACH payments. Giving your account number to a merchant for a purchase will not work.

What is Bank of America's routing number?

The most common routing number for Bank of America checking accounts is 011000015. Some accounts use 021000021 or 121000248 depending on the state or account type. Check the bottom of your debit card or ask Bank of America to confirm which routing number applies to your account.

Do I need my account number to set up direct deposit?

Yes. Your employer or the organization sending the deposit will ask for your routing number and account number. Both are required to route the money to the correct account. You can find both numbers on your debit card or in your online banking account.