Bank of America account numbers are 10 digits long
Your Bank of America account number is always 10 digits. You'll see it on your checks, your debit card statements, and when you log into your online banking. It's the number the bank uses to identify your specific account — separate from your routing number, which identifies the bank itself.
The 10-digit format is standard across Bank of America for checking accounts, savings accounts, and money market accounts. When you write a check or set up a direct deposit, you'll use this same 10-digit number. It never changes for as long as you hold that account.
Key Takeaways
- Bank of America account numbers are always 10 digits, whether you have a checking, savings, or money market account.
- Your account number appears on your checks, statements, and in your online banking portal under account details.
- The account number stays the same for the life of the account and is different from your routing number.
- When setting up direct deposit or wire transfers, you'll need both your 10-digit account number and your routing number.
Where to find your Bank of America account number
The easiest place to find your account number is on a check from your checking account. Look at the bottom left of the check — you'll see three sets of numbers. The first set is the routing number (9 digits), the middle set is your account number (10 digits), and the last set is the check number.
If you don't have checks handy, log into your Bank of America online banking or mobile app. Go to your account details or account information page — the exact location depends on which version you're using, but it's usually labeled "Account Details" or "Account Information." Your 10-digit account number will be listed there.
You can also call Bank of America customer service at 1-800-432-1000 and speak with a representative who can confirm your account number. Have your Social Security number and a form of identification ready when you call.
Why you need both your account number and routing number
Your account number identifies your account at Bank of America. Your routing number identifies Bank of America itself. Together, they tell another bank or employer exactly where to send money.
When you set up direct deposit for your paycheck, your employer needs both numbers. When you arrange a wire transfer from another bank, you'll provide both. If you give only the account number without the routing number, the transaction won't go through — the receiving bank won't know which bank to send the money to.
Bank of America's routing number is 026009593 for most accounts, though some accounts tied to specific branches may use a different routing number. If you're unsure which routing number applies to your account, check your checks or call customer service.
What happens if you share your account number
Sharing your 10-digit account number alone is generally safe. The account number by itself doesn't let someone withdraw money or make purchases — they would also need your PIN, your online banking password, or access to your debit card.
However, you should still be cautious about who you give it to. Share your account number only with people and organizations you trust, like your employer (for direct deposit), your bank, or businesses you're paying intentionally. Scammers sometimes call claiming to be from the bank and ask for your account number as part of a phishing attempt.
If you believe someone has your account number and you're concerned about fraud, contact Bank of America when ready. They can monitor your account and issue you a new account number if needed, though this is rare.
Account numbers on different types of Bank of America accounts
Whether you have a checking account, savings account, money market account, or certificate of deposit (CD), your account number is 10 digits. Each account you hold at Bank of America has its own separate 10-digit number. If you have both a checking and a savings account, you'll have two different 10-digit numbers.
Credit card accounts work differently — they use a 16-digit card number instead. That's not your account number; it's your card number. If you need your checking or savings account number for a transaction, don't use your credit card number.
Frequently Asked Questions
Can I change my Bank of America account number?
No, you cannot change your account number yourself. Your 10-digit account number is permanent for that account. If you close the account and open a new one, you'll receive a new account number. In rare cases of fraud, Bank of America may issue you a new account number, but you would need to contact them directly.
Is my account number the same as my customer ID?
No, they are different. Your customer ID is a number Bank of America assigns to you as a customer — it stays the same across all your accounts with them. Your account number is specific to each individual account. When you call customer service, they may ask for either one depending on what they need to help you.
What if I forgot my account number and can't access online banking?
Call Bank of America at 1-800-432-1000. Have your Social Security number and a photo ID ready. A representative can look up your account number and read it to you over the phone. You can also visit a Bank of America branch in person with your ID and ask a teller for your account number.
Do I need my account number to log into online banking?
No. You log in with your username and password, not your account number. Once you're logged in, you can see your account number on the account details page. This is actually a security feature — it means someone who knows your account number can't access your account without your login credentials.