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, on your debit card statements, or by calling customer service. The 10 digits identify your specific account within Bank of America's system.

This 10-digit number is separate from your routing number, which is 9 digits and tells the banking system which Bank of America branch or processing center to send money to. Together, your routing number and account number form the complete information needed to send or receive money via wire transfer, ACH payment, or direct deposit.

Key Takeaways

  • Bank of America account numbers contain exactly 10 digits, no letters or special characters.
  • Your account number appears on checks, statements, and in your online banking dashboard under account details.
  • The 10-digit account number works together with Bank of America's 9-digit routing number to process transfers and deposits.
  • If you cannot find your account number, you can call Bank of America customer service or log into your online account to view it.

Where to find your 10-digit account number

The easiest place to locate your account number is on a check from your checking account. Look at the bottom of the check: the first set of numbers on the left is your routing number (9 digits), and the second set is your account number (10 digits). If you don't have checks available, log into your Bank of America online banking account and go to the account details or account information section—your 10-digit number will be listed there.

Your Bank of America debit card statement also shows your account number. If you receive paper statements in the mail, the account number appears near the top of the statement. You can also call Bank of America's customer service line and provide your identification to have a representative read your account number to you over the phone.

Why account numbers are always 10 digits at Bank of America

Bank of America standardized its account numbering system to use 10 digits for all consumer and business accounts. This length allows the bank to create enough unique combinations to assign a different number to each account while keeping the number short enough to write down or remember. The 10-digit format is specific to Bank of America; other banks may use different lengths.

The digits themselves don't encode information about your account type, branch, or balance—they're straightforward a unique identifier. The routing number is what tells the banking system where your account lives within the Bank of America network.

Account numbers versus routing numbers

Many people confuse account numbers and routing numbers because both appear on checks and are needed for transfers. Your routing number is 9 digits and identifies Bank of America or a specific Bank of America processing center. Your account number is 10 digits and identifies your individual account. When you set up direct deposit, wire a transfer, or authorize an ACH payment, you'll need to provide both numbers.

Bank of America's main routing number for most domestic transfers is 026009593, though some transactions may route through different processing centers with different routing numbers. Your account number, however, never changes as long as you keep the account open.

What happens if you give out your 10-digit account number

Your account number alone cannot be used to withdraw money or access your account without additional information. To complete a transfer or payment, someone would also need your routing number, and for many transactions they would need authorization from you or your bank. However, you should still treat your account number as sensitive information and only share it with people or organizations you trust.

If you believe your account number has been compromised or misused, contact Bank of America when ready. The bank can monitor your account for unauthorized activity and issue you a new account number if necessary, though this process takes time and affects any automatic payments or direct deposits linked to your old number.

Frequently Asked Questions

Can I change my Bank of America account number?

You cannot change your account number yourself, but Bank of America can issue you a new one if your account has been compromised or if you request it for other reasons. Changing your account number requires contacting the bank directly and may affect automatic payments, direct deposits, and other services linked to your old number.

Is my account number the same as my card number?

No. Your debit card number is different from your account number. The card number is printed on the front of your card and is used for purchases and card-specific transactions. Your account number is the 10-digit identifier for your bank account itself and is used for transfers, direct deposits, and ACH payments.

What if I only have 9 digits showing on my check?

Check the spacing carefully—sometimes the routing number and account number run close together. The first group of 9 digits is the routing number; the second group of 10 digits is your account number. If you're still unsure, log into your online banking account or call customer service to confirm your account number.

Do I need my account number to log into online banking?

No. You log into Bank of America online banking using your username and password or your card number and PIN. Once you're logged in, your account number is visible in your account details, but you don't need it to access your account.