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 under a minute without logging in anywhere.
If you do not have checks or prefer not to use them, log into your bank's website or mobile app. Most banks display both numbers in a section called "Account Details," "Account Information," or sometimes under a menu labeled "Transfers" or "Move Money." The location varies by bank, but it is usually on the main dashboard or in account settings.
If you cannot find them online, call your bank's customer service number — it is on the back of your debit card or on your bank statement. Have your account number or card ready, and they will read both numbers to you over the phone.
Key Takeaways
- Your routing number and account number are printed on the bottom left of any check you own, in that order.
- Most online banking platforms show both numbers under "Account Details" or "Account Information" without requiring a separate request.
- Your bank's customer service line can provide both numbers when ready if you call with your account or card number.
- The routing number stays the same for your bank; the account number is unique to your specific account.
- Never share your account number with anyone unless you initiated the transaction or know the recipient is legitimate.
Finding your routing number if you switch banks
Your routing number belongs to your bank, not to you. If you move your money to a different bank, your new bank will have a different routing number. The old routing number will not work for your new account.
When you open a new account, your new bank will provide the routing number during account setup or in your welcome materials. If you do not see it, log into your new online banking portal or call the new bank's number. Do not use the routing number from your old bank — transactions sent to the wrong routing number can be delayed or rejected.
What to do if you cannot access online banking
If your online banking is down, locked, or you do not have internet access, call your bank directly. Have your Social Security number, date of birth, and the last four digits of your account number or debit card ready. The bank will verify your identity and read both numbers to you.
Some banks also print the routing number on your debit card or bank statements. Check any recent statements or cards you have — the routing number may already be visible without a phone call.
Understanding what each number does
Your routing number tells the banking system which bank to send money to. It is the same for everyone at your bank, regardless of which branch you use or which account you have. When someone sends you a wire transfer or sets up a direct deposit, they use your routing number to find your bank.
Your account number identifies your specific account within that bank. Two people at the same bank have the same routing number but different account numbers. Your account number is what separates your money from everyone else's at that institution.
Together, they form a complete address: the routing number says "go to this bank," and the account number says "put it in this account." Without both, the transaction cannot reach you.
Where you will need these numbers
Direct deposit from an employer or government benefit requires both numbers. Wire transfers, ACH transfers between banks, and setting up automatic bill payments all need them. Some services ask for them when you set up a new account or link a bank account to a payment platform.
You may also need them if you are receiving a refund from a tax return, insurance claim, or court settlement. The organization sending the money will ask for both numbers so they can deposit it directly into your account instead of mailing a check.
Protecting your account and routing numbers
Your routing number is public information — it is printed on checks and visible to anyone who receives a payment from you. Sharing it alone does not put your account at risk.
Your account number is more sensitive. Do not share it with anyone unless you are certain you initiated the transaction or the recipient is a known organization like your employer or a government agency. If someone calls or emails asking for your account number unsolicited, do not give it to them. Legitimate organizations will not ask for it that way.
If you believe someone has your account number and may misuse it, contact your bank when ready. They can monitor your account, issue a new account number, or place a fraud alert on your account.
Frequently Asked Questions
Can I use my routing number to receive money from anyone?
Yes. Your routing number is public and safe to share. Anyone who needs to send you money — an employer, a government agency, a friend using a payment app — can use your routing number along with your account number to deposit funds directly into your account.
What if I have multiple accounts at the same bank?
Each account has its own account number, but they all share the same routing number. If you are setting up direct deposit or a transfer, make sure you give the account number for the specific account where you want the money to go.
Do I need my routing number to use my debit card?
No. Your debit card works with your card number, not your routing number. You only need the routing number for transfers, direct deposits, and wire transfers — not for everyday purchases or ATM withdrawals.
What if my bank does not show the routing number online?
Call your bank's customer service number, which is on your debit card or bank statement. They will provide it when ready. Some smaller banks or credit unions may not display it prominently online, but they can always tell you over the phone.
Is it safe to write down my account and routing numbers?
Writing down your routing number is safe — it is public information. Writing down your account number is riskier if someone else can see it. Keep a written copy in a find place, like a locked drawer or safe, if you need to reference it later.