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 dashboard, on statements, and when you call customer service. The 10-digit number is unique to that specific account — no two accounts share the same number, even if they're held by the same person.

The account number itself does not include your routing number, which is a separate 9-digit code that identifies Bank of America as the institution. When you set up a direct deposit or wire transfer, you'll need both numbers, but they serve different purposes in the payment system.

Key Takeaways

  • Bank of America account numbers are always exactly 10 digits long, regardless of account type.
  • Your account number appears on checks, statements, and in online banking, but never share it without verifying who is asking.
  • The 10-digit account number is different from your routing number, which is 9 digits and identifies the bank itself.
  • When setting up transfers or direct deposit, you will need both your account number and routing number to complete the transaction.

Where to find your 10-digit account number

The easiest place to locate your account number is on a check. Look at the bottom of the check: the routing number (9 digits) appears first on the left, then your account number (10 digits) follows when ready after. The account number is printed in the same magnetic ink as the routing number.

If you don't have checks, log into your Bank of America online account or mobile app. Your account number appears in the account details section, usually visible on the dashboard or under account information. You can also call Bank of America customer service at the number on the back of your debit or credit card, and they will read your account number to you after verifying your identity.

Statements — both paper and electronic — also display your account number at the top or in the account summary section. If you receive direct deposit or have set up automatic payments, those confirmations will show your account number as well.

Why the 10-digit format matters for transfers and deposits

The 10-digit length is a standard that Bank of America uses to organize accounts in its system. When money moves into or out of your account — whether through direct deposit, wire transfer, or ACH payment — the payment processor uses this 10-digit number to route the funds to the correct account. If you provide fewer or more digits, the transfer will likely be rejected or delayed.

This is why accuracy matters. A single digit wrong means the money goes to a different account, possibly someone else's. Before you give your account number to an employer, lender, or service provider, verify that you've written or stated all 10 digits correctly. Many mistakes happen because people misread the 0 as O or the 1 as I when reading aloud.

Account numbers versus routing numbers: what's the difference

Your routing number identifies Bank of America as the institution — it's the same for all Bank of America customers in a given region, and it's 9 digits. Your account number identifies your specific account within that bank, and it's 10 digits. Together, they form what's called your bank account details.

When you set up direct deposit with an employer, you provide both numbers. The routing number tells the employer's payroll system to send money to Bank of America. The account number tells Bank of America which account within the bank should receive it. Without both, the transaction cannot be completed.

Wire transfers, ACH transfers, and bill payments all require both numbers. Some online payment systems ask for them separately; others ask for them together. The format varies, but the information is the same.

What account number format tells you about your account type

Bank of America uses the same 10-digit format for checking accounts, savings accounts, and money market accounts. The account number itself does not indicate the account type — that information is stored separately in the bank's system. You cannot tell whether an account is checking or savings just by looking at the 10 digits.

If you have multiple accounts with Bank of America, each one has its own unique 10-digit number. A person might have a checking account (10 digits), a savings account (10 different digits), and a credit card account (which uses a different numbering system entirely). The account number always identifies which specific account the transaction is for.

Security: when to share your account number and when not to

Share your 10-digit account number with your employer for direct deposit, with your mortgage lender for loan payments, with your utility company for bill pay, and with any service you've initiated contact with. These are legitimate reasons to provide it.

Do not share your account number with someone who calls you unsolicited, texts you, or emails you asking for it. Bank of America will never ask for your account number via email or unsolicited phone call. If someone claims to be from the bank and asks for your account number, hang up and call Bank of America directly using the number on your card or statement.

Your account number is less sensitive than your PIN or online password, but it is still part of your banking information. Treat it the way you would treat your mailing address — it's not secret, but you don't post it publicly either.

Frequently Asked Questions

Can I change my Bank of America account number?

No. Your account number is permanent and tied to that account. If you close the account and open a new one, you will receive a new account number. Bank of America does not reassign account numbers or allow customers to request a different one.

What if I give someone the wrong account number by mistake?

If the wrong number belongs to another Bank of America customer, the transfer will likely be rejected because the account details won't match the other information provided (like your name). If the number doesn't exist, the transaction will fail. Contact the person or organization you gave the number to and provide the correct 10 digits.

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

No. Your debit card number is 16 digits and is different from your account number. Your card number is what you use to make purchases or withdraw cash. Your account number is used for transfers, direct deposit, and bill payments. They are separate identifiers.

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

No. You log in with your username and password or online ID. Bank of America does not ask for your account number during login. If a website asks for your full account number before letting you log in, it is not the real Bank of America website.