The fastest way: check your checks or online banking
Your account number and routing number are printed on the bottom left of every check you have. The routing number comes first (nine digits), then your account number (usually 10 to 12 digits). If you have checks, you can find both numbers in about 10 seconds.
If you do not have checks or cannot find them, log into your bank's website or mobile app. Most banks display both numbers in the account details or settings section — look for a tab labeled "Account Information," "Account Details," or "Routing Number." Some banks put this under a menu called "Transfers" or "Move Money."
If you cannot find the numbers online, call your bank's customer service line. The number is on the back of your debit card or on your bank statements. Tell them you need your routing number and account number, and they will give you both over the phone.
Key Takeaways
- Your routing number and account number are printed on the bottom of your checks, with the routing number appearing first.
- You can find both numbers by logging into your bank's website or app and looking under account details or settings.
- Your bank's customer service line will provide both numbers when ready if you call and ask.
- The routing number stays the same for your entire bank; the account number is unique to your specific account.
- You may need these numbers to set up direct deposit, pay bills online, or receive wire transfers.
What each number means and why you need them
Your routing number identifies your bank itself — it is the same for every account you have at that bank. It tells the banking system which institution to send money to. When your employer sets up direct deposit, they use your routing number to find your bank.
Your account number identifies your specific account within that bank. It is unique to you. Together, the routing number and account number work like an address: the routing number is the city, and the account number is your house on that street.
You need both numbers when you want money to move into or out of your account electronically. This includes setting up direct deposit for paychecks, arranging automatic bill payments, receiving wire transfers, or transferring money between banks.
Where to look if you cannot find them online
If your bank's website does not show the numbers clearly, check your most recent bank statement — many banks print them there. You can also look at any paperwork you received when you opened the account; some banks include the numbers on the welcome letter.
If you have a debit card, the back usually has a customer service number. Call that number and say you need your routing number and account number. Have your account holder name and the last four digits of your Social Security number ready — the bank will ask for these to confirm your identity before giving you the information.
Some banks also send this information by email or text if you ask. This can be useful if you need to share the numbers with someone else — you can forward the message instead of writing them down by hand.
Different routing numbers for different transaction types
Most banks have only one routing number. However, some larger banks have multiple routing numbers depending on where the account was opened or what type of transaction you are making. This is rare, but it happens with banks that have merged or have many regional branches.
If your bank has more than one routing number, your online banking portal will usually show you which one to use for which purpose — for example, one for direct deposit and a different one for wire transfers. When in doubt, ask your bank which routing number to provide for the specific transaction you are doing.
If you give the wrong routing number, the money will go to the wrong bank, and it will take several days to get it back. Always double-check the number before you submit it, especially for large transfers.
Keeping your numbers safe
Your routing number is public information — it is printed on your checks, which you give to people regularly. You do not need to keep it secret.
Your account number is more sensitive. Do not write it down and leave it lying around, and do not share it with people you do not trust. However, you will need to give it to your employer, your landlord, or anyone else who needs to send you money electronically. This is normal and necessary.
If you are worried about sharing your account number, remember that someone needs both your routing number and your account number to move money. Knowing only the account number is not enough to access your account or steal from it — they also need to know your routing number, and they need to initiate the transfer from outside your bank. Your bank's security systems are designed to catch fraudulent transfers.
What to do if you think your numbers have been compromised
If you believe someone has your routing number and account number and may try to use them fraudulently, contact your bank when ready. Tell them you want to monitor your account for unauthorized activity. Many banks will flag your account and watch for suspicious transfers.
You can also request a new account number. This is not common, but banks will do it if you are genuinely concerned about fraud. A new account number means you will need to update direct deposit with your employer and update any automatic bill payments you have set up, so only do this if you think there is a real risk.
If fraudulent transfers have already happened, report them to your bank right away. Federal law protects you from unauthorized transfers, and your bank is required to investigate and return the money within a set timeframe.
Frequently Asked Questions
Can someone steal money from my account if they only have my account number?
No. They need both your routing number and your account number, and they also need to initiate the transfer from outside your bank. Your bank monitors for unusual activity. If you notice an unauthorized transfer, report it when ready — federal law requires your bank to investigate and return the money.
Is my routing number the same at every branch of my bank?
Yes, in almost all cases. Your routing number identifies your bank as a whole, not a specific branch. Even if you opened your account at one branch and now use a different one, the routing number stays the same. A few large banks have multiple routing numbers, but your online banking will tell you which one to use.
What if I give my employer the wrong routing number?
The transfer will go to the wrong bank, and your paycheck will not arrive on payday. Contact your employer's payroll department when ready and give them the correct number. They can usually fix it before the next paycheck is processed. Always double-check the number before you submit it.
Do I need my routing number to use my debit card?
No. Your debit card works with just your card number and PIN. You only need your routing number and account number for electronic transfers — direct deposit, bill payments, wire transfers, and moving money between banks.
Where do I find my routing number if I bank online only and do not have checks?
Log into your online banking portal and look for account details or settings. Most online banks display the routing number prominently. If you cannot find it, call the customer service number on your debit card or your bank's website.