The fastest way: check your checks or online banking
Your routing number and account number are printed at the bottom of every check you have. The routing number is the first set of nine digits on the left. Your account number comes next, usually longer. If you have online banking set up, both numbers are also in your account settings — often under a tab called "Account Details," "Account Information," or "Routing Information."
If you do not have checks or online access yet, your bank mailed these numbers to you when you opened the account. Look for a welcome letter or initial paperwork in the envelope that came with your debit card. The numbers may be on a separate sheet labeled "Account Information" or printed on the first page of your account agreement.
You can also call your bank's customer service line — the number is on the back of your debit card or on your bank's website. A representative can read both numbers to you over the phone in under a minute.
Key Takeaways
- Your routing number and account number are printed at the bottom left of any check you have.
- Online banking shows both numbers in your account settings, usually under "Account Details" or "Account Information."
- Your bank's welcome letter or account agreement paperwork contains these numbers if you do not have checks or online access.
- Calling your bank's customer service line is the fastest option if you cannot find the numbers in writing.
Reading the numbers on a check
At the bottom of a check, you will see a series of numbers separated by colons or printed in boxes. The first group of nine digits is your routing number. This number tells other banks which institution holds your account. The second group, usually between 10 and 12 digits, is your account number. This identifies your specific account within that bank.
The third set of numbers at the bottom right is your check number — this is not the same as your account number. Do not confuse the three. If you are unsure which is which, your bank's customer service can confirm over the phone.
Finding them in online banking
Log into your bank's website or mobile app using your username and password. Look for a menu option that says "Account," "Accounts," "Account Details," "Account Information," or "Settings." Click on the account you want information about.
On that page, you should see a section showing your account number. Your routing number may be on the same page, or you may need to look under a separate tab labeled "Routing Number," "Bank Information," or "Wire Transfer Information." Some banks hide this information one click deeper — if you do not see it when ready, look for a link that says "More Details" or "Additional Information."
If your bank's website does not show these numbers online, call customer service. Some smaller banks or credit unions do not display routing numbers in their apps for security reasons, but they will provide them by phone.
What to do if you cannot find them
Call your bank's customer service number. This number is on the back of your debit card, on your monthly statement, or on your bank's website. Tell the representative you need your routing number and account number. They will ask you to verify your identity — usually by providing your full name, date of birth, and the last four digits of your Social Security number or your account PIN.
Have a pen and paper ready to write down both numbers. Ask the representative to spell out the digits if the line is unclear. Some banks also send this information by text or email if you ask — this can be helpful if you need to refer back to it later.
Different numbers for different purposes
Your routing number stays the same no matter which account you have at that bank. If you have a checking account and a savings account at the same bank, they share the same routing number but have different account numbers.
If you move to a different bank, you get a new routing number. Your account number also changes because it is tied to that specific bank. This is why you need to update your direct deposit information or automatic payments when you switch banks — the old numbers will not work.
Keeping your numbers safe
Your routing number is public information — it is printed on every check and is not a secret. Your account number is more sensitive. Do not share your account number with anyone unless you are setting up a legitimate transaction like direct deposit, a wire transfer, or an automatic payment.
Be cautious if someone calls or emails asking for these numbers. Your bank will never ask for your account number by email or unsolicited phone call. If you are unsure whether a request is real, hang up and call your bank directly using the number on your debit card or statement.
Frequently Asked Questions
Do I need both numbers for direct deposit?
Yes. Your employer or the organization sending the money needs both your routing number and your account number to deposit funds into your account. They use the routing number to find your bank and the account number to find your specific account within that bank.
What if my bank has multiple routing numbers?
Some large banks use different routing numbers for different regions or for different types of transactions. If you are setting up direct deposit or a wire transfer, ask your bank which routing number to use for that specific purpose. Using the wrong one may delay the transaction.
Can I use the routing number from an old check?
Yes. Your routing number does not change as long as you stay at the same bank. An old check from years ago will have the same routing number as a new one. However, do not use an old account number — always use your current account number.
Is it safe to give my routing number to my employer?
Yes. Your routing number is public information and is needed for direct deposit. Your employer needs both your routing number and account number to set up payroll. This is a standard, safe transaction.
What if I have a joint account?
A joint account has one routing number and one account number, shared by both account holders. Either person can use these numbers for transactions. If you need to set up direct deposit for only one person's paycheck, ask your bank whether you need a separate account or if there is another way to handle it.