Your checking account number is printed on the bottom left of your checks, or you can find it in your bank's app or online portal
The account number is a string of digits unique to your checking account — usually between 8 and 12 numbers long. It identifies your specific account to your bank and to anyone you're sending money to or receiving money from. You'll need it to set up direct deposit, receive wire transfers, or give someone permission to withdraw funds.
The fastest place to look is your checkbook. If you don't have checks or can't locate them, your bank's website or mobile app will show it in seconds. You can also call your bank's customer service line or visit a branch in person.
Key Takeaways
- Your account number appears on the bottom left of every check you write, printed after the routing number.
- You can view your account number in your bank's mobile app or website by logging into your account.
- If you don't have checks or online access, call your bank's customer service number on the back of your debit card.
- Your account number is safe to share with employers, payroll services, and people sending you money — it cannot be used to withdraw funds without your permission.
Finding your account number on a check
If you have a checkbook, open it and look at the bottom of any check. You'll see a series of numbers printed in a special magnetic ink. Reading from left to right, the first set of numbers is your routing number (usually nine digits), and the second set is your account number.
The account number comes after a small space or symbol that separates it from the routing number. It's the longer string of digits in the middle-to-right portion of that bottom line. Write it down or take a photo so you have it handy when you need it.
Finding your account number online or in your bank's app
Log into your bank's website or open the mobile app on your phone. Once you're signed in, look for a section labeled "Account Details," "Account Information," or "My Accounts." Your account number will be displayed there, usually near your account type (checking or savings) and your current balance.
Some banks show the full account number right away. Others may hide most of the digits for security and show only the last four, with an option to click or tap to reveal the full number. If you can't find it in the obvious places, use the search function in the app or website and type "account number."
Calling your bank to get your account number
If you don't have checks and can't access online banking, call the customer service number on the back of your debit card. A representative will verify your identity by asking for your name, date of birth, and possibly the last four digits of your Social Security number or a recent transaction amount.
Once verified, they'll read your account number to you over the phone. Have a pen ready to write it down. Some banks will also email or text it to you if you ask, though this depends on their security policies.
What to do if you've lost or forgotten your account number
There's no penalty for not remembering your account number — it's not something you need to memorize. You can look it up as many times as you need using any of the methods above. If you're in a hurry and can't access your checks or online banking, a quick call to customer service is the fastest route.
If you're worried about security, remember that your account number alone cannot be used to withdraw money from your account. Someone would also need your routing number, your PIN, or other verification to move funds. Sharing your account number with your employer for direct deposit or with someone sending you a wire transfer is safe.
Understanding the format of your account number
Account numbers vary in length depending on your bank. Most are between 8 and 12 digits, though some banks use longer or shorter numbers. The format is always numeric — no letters — and it never changes unless you close the account and open a new one.
Your account number is specific to you and this account only. If you have multiple checking accounts at the same bank, each one has its own account number. If you move to a different bank, your new account will have a completely different number.
Frequently Asked Questions
Is it safe to give my account number to someone?
Yes, it's safe to share your account number with employers, payroll companies, and people sending you money via wire transfer or ACH transfer. Your account number alone cannot be used to withdraw funds — the person would also need your routing number and authorization. Never share your PIN or online banking password.
What's the difference between my account number and my routing number?
Your routing number identifies your bank (the same number is used by all customers of that bank), while your account number identifies your specific account within that bank. Both appear on the bottom of your checks, with the routing number first and the account number second.
Can I change my account number?
No, your account number is fixed for the life of that account. If you want a different number, you would need to close this account and open a new one, which would give you a new account number. There's no reason to do this unless you suspect fraud.
Do I need my account number to use my debit card?
No. Your debit card has its own number printed on the front, separate from your account number. You use the card number for purchases and online transactions. You only need your account number for direct deposit, wire transfers, and ACH payments.
What if I can't find my account number anywhere?
Call your bank's customer service line — the number is on the back of your debit card or on your bank statements. They can verify your identity and provide your account number when ready. You can also visit a branch in person with a photo ID.