Bank of America account numbers are 10 digits long

Your Bank of America account number is always 10 digits. You'll find it on the bottom left of your checks, in the Bank of America mobile app under account details, or by calling 1-800-432-1000 and speaking to a representative. The account number itself is just those 10 digits — nothing more, nothing less.

This length is specific to Bank of America. Other banks use different lengths: Wells Fargo uses 10 digits, Chase uses 10 digits, but some regional banks use 8 or 12. The 10-digit standard at Bank of America has stayed consistent for decades and applies whether you have a checking account, savings account, money market account, or line of credit.

Key Takeaways

  • Bank of America account numbers are always exactly 10 digits long, regardless of account type.
  • You can find your account number on paper checks, in the mobile app, on statements, or by calling customer service.
  • The account number alone is not enough to transfer money out of your account — the bank also needs your routing number.
  • Never share your full account number with someone who contacts you first, even if they claim to be from Bank of America.

Where to find your 10-digit account number

The easiest place to look is the bottom left corner of any check you have. The account number appears after the routing number (which is 9 digits) and before the check number. If you don't have checks, open the Bank of America mobile app, tap the account you want, and select "Account Details" — your 10-digit number will be displayed there.

You can also find it on your monthly statement, usually near the top. If you've lost access to all of these, call Bank of America at 1-800-432-1000 and have your Social Security number and photo ID ready. A representative can read your account number to you over the phone, though they may ask security questions first.

Account number versus routing number — what's the difference

Your 10-digit account number identifies which specific account is yours within Bank of America. Your routing number (9 digits) identifies Bank of America itself among all U.S. banks. Think of it this way: the routing number is the bank's address, and the account number is your mailbox inside that bank.

When you set up direct deposit or a wire transfer, you need both numbers. If you only give someone your account number without the routing number, they cannot move money. Bank of America's routing number is 021000021 for most accounts, but some accounts tied to specific branches may have different routing numbers — your statement will show which one applies to you.

Why scammers ask for your account number

A caller or email claiming to be from Bank of America should never ask for your account number unprompted. If someone contacts you first and requests it, that is a red flag. Scammers use account numbers to attempt unauthorized transfers, set up fraudulent bill pay, or sell the number to other criminals.

Bank of America will never call you and ask for your account number to "verify your account" or "confirm your identity." If you initiated the contact — you called the number on the back of your card or logged into your app — then providing your account number is safe. If they called you, hang up and call the official number on your statement instead.

What to do if your account number is compromised

If you believe someone has your account number and may have used it without permission, log into your Bank of America account online or in the app and review recent transactions. Look for transfers, bill pay payments, or other activity you don't recognize. If you spot fraud, contact Bank of America when ready at 1-800-432-1000.

Bank of America can freeze your account, cancel bill pay authorizations, and issue a new account number if needed. The process usually takes one business day. You'll receive a new debit card and checks with the new number, and any recurring payments (like payroll direct deposit) will need to be updated with your employer or service provider. Changing your account number is free and is one of the fastest ways to stop ongoing fraud.

Frequently Asked Questions

Can someone transfer money from my account with just the account number?

Not without your routing number as well. A thief with only your 10-digit account number cannot move money on their own. They need both the account number and the routing number, plus they typically need access to your online banking login or authorization from you. However, treat your account number as sensitive information anyway — there is no reason to share it with strangers.

Is my account number the same as my debit card number?

No. Your debit card number is 16 digits and is printed on the front of the card. Your account number is 10 digits and appears on checks and statements. They are linked to the same account, but they are different numbers. If your debit card is stolen, the card number can be compromised, but your account number remains safe.

What if I have multiple Bank of America accounts?

Each account has its own 10-digit number. If you have a checking account and a savings account, they will have different account numbers. You can see all of them in the mobile app by switching between accounts, or on a combined statement if you have one set up. When you set up a transfer between your own accounts, you need to use the correct account number for each one.

Do I need to memorize my account number?

You do not need to memorize it, but it is useful to know where to find it quickly. Write it down and store it somewhere safe at home, or take a photo of a check. You will need it when setting up direct deposit, wire transfers, or bill pay. Having it readily available saves time when you are on the phone with customer service or your employer.