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 your online banking portal under account details, or by calling customer service at 1-800-432-1000. The 10-digit format is standard across all Bank of America personal and business accounts, though the digits themselves are unique to your account.
The account number is different from your routing number, which identifies the specific Bank of America branch or processing center. Bank of America's routing number is 9 digits and varies depending on your state and account type, but your account number stays the same regardless of which branch you use or how you access your 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 the bottom left of your checks, formatted as the second set of numbers after the routing number.
- The routing number (9 digits) and account number (10 digits) are two separate pieces of information needed for wire transfers and direct deposits.
- You can view your account number in the mobile app, online banking portal, or by contacting Bank of America directly.
Where to find your 10-digit account number
The easiest place to locate your account number is on a blank check from your checkbook. Look at the bottom of the check: you'll see three sets of numbers. The first set (9 digits) is the routing number, the second set (10 digits) is your account number, and the third set is the check number itself. The account number is printed in a specific order so that sorting machines can read it automatically.
If you don't have checks available, log into your Bank of America online banking account or mobile app. Go to the account details or account information section—usually found under "Accounts" or "Account Settings"—and your 10-digit account number will be displayed there. You can also call Bank of America's customer service line and provide your Social Security number and other identifying information to confirm your account number over the phone.
Why you need both the routing number and account number
Banks use the routing number and account number together to process transactions. The routing number tells the banking system which Bank of America location or processing center to send the money to, while the account number identifies which specific account within that location should receive the funds. Without both pieces of information, a wire transfer, direct deposit, or ACH payment cannot be completed.
When you set up direct deposit for your paycheck or arrange automatic bill payments, you'll be asked for both numbers. If you're receiving a wire transfer from another bank, you'll need to provide both your Bank of America routing number and your 10-digit account number to the sender. Some employers and billers may ask for these numbers in a specific format or order, so have both ready when you're setting up new transactions.
Account numbers stay the same even if you change branches
Your 10-digit account number remains the same throughout the life of your account, even if you move to a different state, switch to a different Bank of America branch, or change your account type. The account number is tied to your account history and identity, not to a physical location. This means any direct deposits, automatic payments, or recurring transfers set up with your account number will continue to work no matter where you bank.
If you close an account and open a new one, you'll receive a new 10-digit account number. Bank of America does not reuse account numbers, so each account you open gets its own unique identifier. This protects against confusion and fraud, since old account numbers cannot be accidentally matched to new accounts.
How account numbers differ from other Bank of America identifiers
Bank of America uses several different numbers to identify you and your accounts. Your account number (10 digits) is specific to one account. Your routing number (9 digits) identifies the Bank of America processing location. Your Customer ID or Online ID is used to log into your account but is not the same as your account number. Your Social Security number is used for verification but is never part of the account number itself.
When you're setting up a transaction, make sure you're using the right number for the right purpose. For wire transfers and direct deposits, you need the routing number and account number. For logging into online banking, you need your username and password or your Online ID. For customer service calls, you may be asked for your Social Security number or account number to verify your identity. Mixing up these numbers can delay transactions or cause them to fail.
What to do if you forget or lose your account number
If you need your account number and don't have a check or access to online banking, contact Bank of America directly. Call 1-800-432-1000 and have your Social Security number, date of birth, and a form of identification ready. Customer service can confirm your 10-digit account number over the phone within a few minutes. You can also visit a Bank of America branch in person with a photo ID and ask a teller to provide your account number.
If you're worried that someone else has your account number, you don't need to change it—account numbers cannot be changed. However, if you suspect fraud or unauthorized access, contact Bank of America when ready to report it and review your account activity. Bank of America's fraud department can investigate unauthorized transactions and may issue you a new debit card or credit card if needed.
Frequently Asked Questions
Can someone access my account if they only have my 10-digit account number?
Having only your account number is not enough to access your account or move money. A person would also need your username, password, or other identifying information like your Social Security number or date of birth. However, you should still keep your account number private and not share it with people you don't trust, since it is one piece of information that could be used in a fraud attempt.
Is my Bank of America account number the same as my debit card number?
No. Your debit card number is a 16-digit number printed on the front of your card. Your account number is a separate 10-digit number. They are linked to the same account, but they are different numbers used for different purposes. Your debit card number is used for card transactions, while your account number is used for wire transfers, direct deposits, and ACH payments.
Do all Bank of America accounts have 10-digit account numbers?
Yes. All Bank of America personal checking accounts, savings accounts, money market accounts, and most business accounts use the 10-digit format. If you have multiple accounts with Bank of America, each one has its own unique 10-digit account number. The format does not change based on account type or account age.
What if the account number on my check doesn't match what I see online?
Contact Bank of America to verify which number is correct. In rare cases, a check may have been printed with an error, or your account information may have been updated. Bank of America can confirm your current account number and issue new checks if needed. Do not use a check with a mismatched account number for important transactions.