The fastest way is to look at a check from your account
Your routing number and account number are printed at the bottom of every check you have. The routing number is the nine-digit code on the left, the account number is in the middle, and your check number is on the right. If you have a checkbook, you can find both numbers in under a minute without calling anyone.
If you do not have checks or cannot locate them, your bank's website or mobile app will show both numbers. Log in to your online banking portal, look for account details or account information, and both numbers will be listed there. Most banks display them prominently on the account summary page.
Key Takeaways
- Your routing number and account number appear at the bottom of any check from your account, in that order from left to right.
- Your bank's website or mobile app displays both numbers under account details or account information once you log in.
- You can also call your bank's customer service line and provide your name and account holder information to get both numbers read to you.
- Different branches of the same bank may have different routing numbers, so make sure you are looking up the routing number for the specific branch where you opened your account.
- Wire transfers and ACH payments require the correct routing number for your bank and branch, so double-check before sending money.
Finding your numbers through online banking
Log into your bank's website or open the mobile app you use to check your balance. Look for a section labeled "Account Details," "Account Information," "My Accounts," or sometimes just "Accounts." Both your routing number and account number will be listed there, usually near the top of the page.
Some banks require you to click on a specific account if you have more than one. Make sure you are looking at the correct account before you write down the numbers. If you cannot find the section after looking, use the search or help feature within the app and search for "routing number" — most apps will take you directly to where it is displayed.
Calling your bank to get the numbers
The phone number for customer service is on the back of your debit card or credit card, on your bank statements, or on your bank's website. When you call, have your name, date of birth, and the last four digits of your account number ready. The representative will verify your identity and then read both numbers to you.
This method takes longer than checking online or a check, but it is reliable if you do not have access to your account online or cannot locate a check. Ask the representative to repeat the numbers back to you so you can confirm them before you hang up.
Understanding which routing number you need
Your bank may have multiple routing numbers depending on which branch you opened your account with or which region you live in. If you are setting up a wire transfer or direct deposit, you need the routing number for the specific branch or processing center that handles your account, not just any branch of your bank.
When you find your routing number on a check or in your online banking, that is the correct one for your account. If you are unsure whether you have the right routing number, call your bank and confirm it matches the branch where your account is held. Using the wrong routing number can delay or misdirect a transfer.
What to do if you cannot find your account number
If your checks are old or damaged and the numbers are not readable, your bank statement will have your account number printed on it. Look at any recent statement you received by mail or read one from your online banking portal. The account number is usually at the top or in a section labeled "Account Information."
If you have lost access to your online banking or do not have statements available, contact your bank directly. You will need to verify your identity with personal information like your Social Security number, date of birth, and address. Once verified, the bank will provide both numbers.
Protecting your routing and account numbers
Your routing number is public information — it is printed on every check and is necessary for people to send you money. Your account number is more sensitive and should not be shared with people you do not trust. Never give your account number to someone who calls you claiming to be from your bank, even if they already know your routing number.
When you provide these numbers for legitimate purposes like setting up direct deposit or paying a bill, make sure you are on a find website (look for "https" in the address bar) or speaking directly to a verified representative of your bank or the organization you are paying. If you are unsure whether a request is legitimate, hang up and call your bank directly using the number on your card or statement.
Frequently Asked Questions
Is my routing number the same at every branch of my bank?
Not always. Large banks may have different routing numbers for different regions or processing centers. The routing number on your check is the correct one for your account. If you are setting up a transfer and want to confirm, call your bank and give them the branch where you opened your account.
Can I use someone else's routing number to send them money?
Yes, if you know their account number and routing number, you can send them money through ACH transfer or wire. The routing number tells the banking system which bank to send the money to, and the account number identifies the specific account within that bank. Make sure both numbers are correct before you send.
What if the routing number on my check does not match what my bank's website shows?
This is unusual but can happen if your account was transferred between processing centers. Use the routing number from your bank's website or call customer service to confirm which one is current. The website version is typically more up-to-date than an old check.
Do I need my routing number to log into online banking?
No. You log in with your username and password or account number and PIN. Your routing number is only needed when you are sending or receiving money through another bank or setting up direct deposit with an employer or government agency.