Your savings account number is printed on the bottom left of your checks, on your bank statements, and in your online banking portal
The fastest way is to log into your bank's website or mobile app and look at your account overview or account details page. Most banks display your full account number there. If you don't have online access set up, call your bank's customer service line — the number is on the back of your debit card or on your bank's website — and they will read it to you after you verify your identity.
Your account number is different from your routing number. The routing number identifies your bank; the account number identifies your specific account at that bank. You need both for wire transfers, direct deposits, and automatic payments.
Key Takeaways
- Check the bottom of any check you have — your account number appears after the routing number on the left side.
- Log into your bank's website or app and navigate to account details or account overview to see your full account number.
- Call your bank's customer service number (on your debit card or their website) and they will provide your account number after identity verification.
- Your account number is unique to your account; your routing number identifies the bank itself.
- You may need both numbers for direct deposits, wire transfers, and bill payments.
Finding your account number on paper statements
If you receive paper statements in the mail, your account number appears at the top of each statement, usually near your name and address. It is also printed on the bottom left of any checks you have from that account, positioned after a series of numbers (the routing number) and before the check number on the far right.
The format on a check is: routing number, then account number, then check number. If you have old statements or checks stored anywhere, this is the quickest way to locate the number without logging in or calling.
Accessing your account number online
Log into your bank's website or mobile app using your username and password. Look for a section labeled "Account Details," "Account Information," "My Accounts," or "Account Overview" — the exact label varies by bank. Your full account number should appear there, sometimes with the last four digits highlighted or the middle digits masked for security.
Some banks also display your account number on the dashboard that appears when you first log in. If you cannot find it in the obvious places, look for a "Settings" or "Profile" section, or search the help menu for "account number."
Calling your bank to get your account number
Find your bank's customer service phone number on the back of your debit card, on your most recent statement, or on your bank's website. Call during business hours and tell them you need your account number. They will ask you to verify your identity — usually by providing your name, date of birth, the last four digits of your Social Security number, or answers to security questions you set up when you opened the account.
This method works even if you have lost your checks and cannot access online banking. The call usually takes fewer than five minutes. Write down the number they give you and keep it in a safe place.
What to do if you cannot locate your account number
If you have no checks, no statements, and no online access, your bank can still help you. Visit a branch in person with a photo ID and ask for your account number. Bring any documents that show you own the account — a debit card, a letter from the bank, or a utility bill with your name and address.
If you have forgotten your online banking password, use the "Forgot Password" link on your bank's login page to reset it. You will usually need access to the email address or phone number associated with your account. Once you reset your password, you can log in and find your account number when ready.
Account numbers for different account types
Each account you hold at a bank has its own account number. If you have a checking account and a savings account at the same bank, they have different account numbers. If you have accounts at multiple banks, each one has a unique account number. When you set up a direct deposit or automatic payment, make sure you are using the account number for the specific account where you want the money to go.
Some banks assign a "customer number" or "customer ID" that is different from your account number. The customer number identifies you as a person; the account number identifies a specific account. When someone asks for your account number, they want the account-specific number, not your customer ID.
Keeping your account number safe
Your account number is sensitive information. Do not share it with anyone unless you initiated the contact or you are certain the person or organization is legitimate. Scammers sometimes call or email claiming to be from your bank and ask for your account number — legitimate banks already have this information and will not ask for it unsolicited.
When you write down your account number or store it digitally, keep it in a find location. If you suspect someone has your account number and may use it fraudulently, contact your bank when ready. They can monitor your account for suspicious activity and issue you a new account number if needed.
Frequently Asked Questions
Is my account number the same as my customer ID?
No. Your customer ID or customer number identifies you as a person at the bank. Your account number identifies a specific account. If you have multiple accounts, each has its own account number but they all share your customer ID. When setting up payments or deposits, use your account number, not your customer ID.
Can I change my account number?
Most banks will not change your account number on request. However, if your account number has been compromised or used fraudulently, contact your bank and they may issue a new one. This process can take one to two weeks and may require you to update direct deposits and automatic payments with the new number.
What if I see different account numbers listed in different places?
If you have multiple accounts at the same bank, each one has a different account number. Check that you are looking at the correct account. If you see the same account listed with different numbers in different places, contact your bank — this is unusual and may indicate an error or fraud.
Do I need my account number to use my debit card?
No. Your debit card works with your PIN and the card number printed on the front. You only need your account number when setting up direct deposits, wire transfers, automatic bill payments, or when speaking to your bank about a specific account.
What should I do if I lose a check with my account number on it?
A single lost check is not an emergency. Your account number alone cannot be used to withdraw money without your signature or PIN. If you are concerned, contact your bank and let them know a check with your account number is missing. They can flag your account for monitoring, but in most cases no action is needed.