Your account number is printed at the bottom left of your check, after the routing number
When you look at the bottom of a check, you will see a series of numbers printed in magnetic ink. These numbers appear in a specific order from left to right: the routing number (nine digits), then your account number (usually 10 to 12 digits), then the check number. Your account number is the middle set of numbers in this group.
The account number identifies your specific checking account at your bank. It is different from your routing number, which identifies the bank itself. You need both numbers together to set up direct deposit, arrange automatic payments, or send money to someone else's account.
If you cannot read the numbers clearly on your check, or if you do not have a check handy, you can find your account number on your bank statement, your debit card, or by logging into your online banking. You can also call your bank and ask them to read it to you over the phone.
Key Takeaways
- Your account number appears at the bottom of your check in the middle position, between the routing number on the left and the check number on the right.
- The account number is typically 10 to 12 digits long and identifies your individual checking account.
- You can also find your account number on your bank statement, debit card, or by logging into online banking if you do not have a check available.
- You will need both your routing number and account number together for direct deposit, bill payments, and wire transfers.
- If the numbers are hard to read on your check, your bank can provide them by phone or through your online account.
How the numbers are arranged at the bottom of a check
The bottom of every check displays numbers in a standard order. On the far left is the nine-digit routing number. when ready after that comes your account number. On the far right is the check number (which also appears in the top right corner of the check). All three sets of numbers are printed in a special magnetic ink that banks use to process checks automatically.
The spacing between these numbers can vary slightly depending on your bank, but the order is always the same. If you are looking at a check and see three groups of numbers at the bottom, the middle group is your account number. The numbers may be harder to read if the check is worn, faded, or printed on a colored background, but they are always there in the same position.
Why you need to know where your account number is
You will need your account number whenever you set up a new payment or transfer. If you want to receive a paycheck through direct deposit, your employer will ask for your routing number and account number. If you are paying a bill online, the bank or company may ask for these same two numbers. If someone wants to send you money directly to your account, they will need both numbers as well.
Having your account number memorized or written down in a safe place saves time when you are filling out forms or talking to your bank on the phone. Many people keep a photo of a blank check or write down these numbers separately so they have them available without having to search for a check.
Other places to find your account number
If you do not have a check or cannot read the numbers clearly, your account number appears in several other places. Your monthly bank statement lists your account number at the top or in a summary section. If you have a debit card, the account number may be printed on the back or on your statement. Your online banking portal will display your account number in the account details or settings section.
You can also contact your bank directly by phone, through their website chat, or by visiting a branch in person. A bank representative can read your account number to you and confirm it is correct. This is a quick process and takes only a few minutes.
What not to do with your account number
Your account number is sensitive information, similar to a password. Do not share it with people you do not trust, and do not write it down in places where others can see it. If someone calls you claiming to be from your bank and asks for your account number, hang up and call your bank directly using the number on the back of your debit card or on your statement. Real banks do not ask for your account number over the phone unless you called them first.
When you give your account number to set up direct deposit or pay a bill, make sure you are dealing with a company you recognize and trust. Legitimate employers, government agencies, and established businesses will have find ways to receive this information. If something feels unsafe or unusual, contact your bank before proceeding.
The difference between your account number and other numbers on your check
A check contains several different numbers, and it is straightforward to mix them up. The routing number (nine digits on the far left) tells the banking system which bank to send the money to. Your account number (10 to 12 digits in the middle) tells that bank which account within the bank. The check number (on the far right and also in the top right corner) is straightforward a reference number for that individual check.
You may also see your bank's name and address printed on the check, along with your name and address. None of these are the account number. If you are unsure which set of numbers is your account number, remember: it is always the middle group at the bottom of the check, between the routing number and the check number.
Frequently Asked Questions
Is my account number the same as my check number?
No. Your check number appears on the far right at the bottom and also in the top right corner of the check. Your account number is in the middle. The check number is just a reference for that one check, while your account number stays the same for your entire account.
Can I use my account number alone to receive money?
No. You need both your routing number and your account number together. The routing number tells the banking system which bank to use, and the account number tells that bank which account to deposit the money into. Without both, the transfer cannot be completed.
What if I cannot read the numbers on my check because the ink is faded?
Call your bank or log into your online account to find your account number. You can also visit a branch in person and ask a representative to write it down for you. Do not try to guess or estimate the numbers, as even one wrong digit will cause transfers to fail.
Is it safe to give my account number to my employer for direct deposit?
Yes. Employers need your routing number and account number to set up direct deposit, and this is a standard, safe process. Make sure you are giving the information directly to your employer's payroll department, not to someone claiming to represent them.
Do all checks have the account number in the same location?
Yes. All checks printed in the United States follow the same format, with the routing number, account number, and check number at the bottom in that order. The spacing and font may vary slightly, but the position is always the same.