The fastest way: check your checks or online banking

Your routing number and account 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 read them directly without logging in anywhere.

If you do not have checks or prefer not to handle them, log into your bank's website or mobile app. Most banks display both numbers in the account details or settings section — often labeled "Account Information" or "Bank Details". The location varies by bank, but it is usually one or two clicks from your account dashboard.

You do not need to call anyone or visit a branch for this. The numbers are yours to see anytime.

Key Takeaways

  • Your routing number and account number are printed on the bottom left of your checks in that order.
  • Both numbers appear in your online banking portal under account details or settings, usually without needing to contact the bank.
  • The routing number identifies your bank; the account number identifies your specific account at that bank.
  • If you cannot find them online or on checks, call the customer service number on the back of your debit card.

Reading the numbers on a check

The bottom of a check has three groups of numbers separated by colons or vertical lines. Read from left to right: the first group is your routing number, the second is your account number, and the third is the check number itself.

The routing number is always nine digits. The account number length varies — some banks use 10 digits, others use 12 or more. Write down both numbers exactly as they appear, including any leading zeros. A single digit wrong will cause a transfer or payment to fail or go to the wrong place.

Finding them in online banking

Log into your bank's website or app and look for a section called "Account Details", "Account Information", "Bank Details", or sometimes "Routing Information". This section usually appears in settings, account management, or a dedicated dashboard area.

Some banks display the numbers prominently on the main account page. Others hide them one level deeper — you may need to click "View account details" or "Show routing number" to see them. If you cannot find them after checking the main account page and settings, use the search or help function within the app and search for "routing number".

The numbers shown online match the ones on your checks. If you see a discrepancy, contact your bank — it usually means you are looking at the wrong account.

What to do if you cannot find them online

Call the customer service number on the back of your debit card or the number listed on your bank statement. A representative can read both numbers to you over the phone. Have your account number or card number ready so they can verify who you are.

You can also visit a branch in person with a photo ID. A teller can print or write down both numbers for you. This takes a few minutes and requires no appointment.

Some banks also send routing and account information in welcome packets or statements. Check any paperwork that came with your account opening or your most recent statement.

Why banks have different routing numbers

A routing number identifies the specific bank or branch where your account lives. Large banks often have multiple routing numbers — one for wire transfers, one for ACH transfers, one for checks. The routing number on your checks is the correct one for most everyday payments and transfers.

If you are setting up a wire transfer or direct deposit, ask your bank which routing number to use. The number on your checks works for most situations, but some transactions require a different one. Your bank's customer service can confirm which number applies to what you are doing.

Your account number stays the same regardless of the transaction type. It identifies your specific account within the bank.

Protecting your routing and account numbers

Your routing number is public information — it is printed on every check and is not secret. Your account number is semi-private: it appears on your checks and statements, but you should not share it casually.

Together, these two numbers let someone set up a transfer from your account or create an automatic payment. Do not give them to someone you do not trust. If you are paying a bill or setting up direct deposit, the company asking for them is legitimate — but verify you are on their real website or speaking to their real phone number before you enter the numbers.

If you think someone has your account information and may misuse it, contact your bank when ready. They can monitor the account and cancel or reissue your account number if needed.

Frequently Asked Questions

Can I use the routing number from my checks for a wire transfer?

Usually yes, but not always. Some banks use different routing numbers for wire transfers versus ACH transfers or checks. Before you wire money, ask your bank which routing number to use. They can confirm in one call whether the number on your checks is correct for that specific transaction.

What if my bank merged or changed its name?

Your routing number may have changed. Check your most recent statement or log into online banking to see the current number. If you have old checks, the routing number on them may no longer work. Call your bank to confirm the current routing number for your account.

Do I need both numbers to receive a direct deposit?

Yes. Your employer or the organization sending the deposit needs both your routing number and account number to deposit money into your account. You can find both on your checks or in online banking.

Is my account number the same as my card number?

No. Your debit card number is different from your account number. The account number appears on your checks and in online banking. Your card number is on the front of your physical card. They are separate numbers that identify different things.

What if I see multiple account numbers in my online banking?

You may have more than one account at the same bank — a checking account, a savings account, or both. Each one has its own account number. Make sure you are using the account number for the account you want to use for the transfer or payment.