Where to find your checking account number
Your Bank of America checking account number is a unique identifier for that specific account. It appears in several places: on the bottom left of your checks (after the routing number), in the Bank of America mobile app under account details, on your monthly statement, and in online banking when you log in.
The fastest route is the mobile app. Open it, tap the checking account you want, and look for "Account Number" in the account details section. If you do not have the app, log into your online banking at bankofamerica.com, select the account, and the number displays on the account summary page.
If you have checks, look at the bottom of any check. You will see three sets of numbers: the routing number (first), your account number (second, usually 10 digits), and the check number (third). The account number is the middle set.
Key Takeaways
- Your account number appears on checks, in the mobile app, on statements, and in online banking — the app is the fastest way to find it.
- The account number is the middle set of digits on the bottom of a check, after the routing number and before the check number.
- You need your account number to set up direct deposit, wire money, or give payment instructions to employers or other organizations.
- Your account number is not the same as your routing number; Bank of America's routing number varies by state and account type.
Why you need your account number
Organizations ask for your account number when they need to deposit money directly into your account or pull payments from it. Your employer uses it to set up direct deposit of your paycheck. Your utility company or mortgage lender uses it to pull automatic payments. The IRS uses it if you request a tax refund by direct deposit.
You also need it to transfer money between your own accounts at different banks, to set up bill pay through another institution, or to give a third party permission to access your account. Without the correct account number, the transaction will fail or go to the wrong account.
The difference between account number and routing number
Your account number identifies your specific checking account at Bank of America. Your routing number identifies the Bank of America branch or processing center that handles your account. You need both pieces of information together to complete most transactions.
Bank of America's routing number depends on which state your account is based in and what type of account it is. For most checking accounts, the routing number is 026009593 (for the East Coast) or 121000248 (for the West Coast), but this varies. The safest way to find your correct routing number is to call Bank of America at 1-800-432-1000, check your statement, or look it up on the Bank of America website using your account type and state.
Keeping your account number secure
Your account number is not a secret like your PIN or password, but you should still be cautious about who you give it to. Legitimate organizations — your employer, your bank, the IRS — will ask for it directly. Scammers sometimes call or email claiming to be from your bank and ask for your account number as part of a "verification" process. Bank of America will never ask for your account number by phone or email if you did not initiate the contact.
If someone calls you claiming to be from Bank of America and asks for your account number, hang up and call the official Bank of America number on the back of your debit card or on your statement. Do not use a phone number the caller provides.
What to do if you cannot find your account number
Call Bank of America at 1-800-432-1000 and have your Social Security number and photo ID ready. A representative can confirm your account number over the phone. You can also visit a Bank of America branch in person with your ID and ask a teller to write down your account number.
If you have lost access to your online banking or mobile app, call the number above to regain access or reset your password. Once you are back in, your account number will be visible immediately.
Account numbers for different Bank of America account types
All Bank of America checking accounts use the same format: a 10-digit account number. Savings accounts, money market accounts, and credit cards have their own separate account numbers. If you have multiple accounts at Bank of America, each one has its own unique number.
When you set up direct deposit or automatic payments, make sure you are using the account number for the correct account type. If your employer deposits into your savings account number by mistake, the money will go there instead of your checking account, and you will have to contact your employer to correct it.
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 is what you use for direct deposit and bank transfers. Your debit card number is what you use to make purchases or withdraw cash.
Can someone access my account if they have my account number?
Not without additional information. Your account number alone does not allow someone to log into your account or move money. They would also need your PIN, password, or other verification. However, give your account number only to organizations you trust.
What if I give my account number to the wrong person?
Contact Bank of America immediately at 1-800-432-1000. They can monitor your account for unauthorized activity and, if needed, close the account and open a new one with a different account number. Act quickly if you suspect fraud.
Do I need both my account number and routing number for direct deposit?
Yes. Your employer needs both your routing number (to find the right bank) and your account number (to find your specific account). Both are on the bottom of your checks, or you can find them in your online banking or by calling Bank of America.