Bank of America checking account numbers are 10 digits long

Your Bank of America checking account number is always 10 digits. You'll find it on the bottom left of your checks, in your online banking portal, or by calling customer service. The account number itself is separate from your routing number (which is 9 digits) and your card number (which is 16 digits)—these are three different identifiers that serve different purposes.

When you need to provide your account number for a wire transfer, direct deposit setup, or bill payment, you're giving out those 10 digits. Banks use this number to identify your specific account within their system, so it's unique to you even though other customers have account numbers with the same format.

Key Takeaways

  • Bank of America checking account numbers contain exactly 10 digits and appear on the bottom left of your checks.
  • Your account number is different from your routing number (9 digits) and your debit card number (16 digits), and each serves a separate function.
  • You can find your account number in your online banking dashboard, on paper statements, or by contacting Bank of America directly.
  • When setting up direct deposit or wire transfers, you'll need both your 10-digit account number and your 9-digit routing number.

Where to find your 10-digit account number

The easiest place to locate your account number is on a physical check. Look at the bottom of the check—you'll see three sets of numbers. The first set (9 digits) is your routing number, the middle set (10 digits) is your account number, and the last set is the check number itself. The account number is printed between the routing number and the check number.

If you don't have checks handy, log into your Bank of America online banking account or mobile app. Your account number appears in the account details section, usually visible on your dashboard or under account information. You can also call Bank of America at 1-800-432-1000 and speak with a representative who will verify your identity and provide your account number.

Why you need both your account number and routing number

Your 10-digit account number identifies which account at Bank of America is yours. Your 9-digit routing number identifies which Bank of America branch or processing center handles your account. Together, they tell another bank or employer exactly where to send money.

When you set up direct deposit for a paycheck, your employer needs both numbers. When you initiate a wire transfer, the receiving bank needs both. If you provide only the account number without the routing number, the transfer will likely fail because the receiving institution won't know which Bank of America location to contact. The routing number for most Bank of America checking accounts is 026009593, though some accounts may have different routing numbers depending on the state where the account was opened.

How account numbers differ from card numbers and other identifiers

Your Bank of America debit card has a 16-digit number printed on its face—this is not your account number. The card number is tied to your account but is a separate identifier used for card transactions, online purchases, and ATM withdrawals. If your card is lost or stolen, Bank of America can issue you a new card with a new 16-digit number while your underlying 10-digit account number stays the same.

Your PIN (personal identification number) is another separate identifier—usually 4 digits—that you create to find your card and online access. None of these numbers are interchangeable. When someone asks for your account number, they specifically want those 10 digits from the bottom of your check, not your card number or PIN.

What to do if you can't locate your account number

If you've lost your checks and don't have online banking access, call Bank of America's customer service line at 1-800-432-1000. Have your Social Security number, date of birth, and a form of identification ready. The representative will verify your identity and read your account number to you over the phone.

You can also visit a Bank of America branch in person with a photo ID. A teller can print out your account information, which will include your 10-digit account number and routing number. This is useful if you need the information when ready or prefer to handle it face-to-face.

Keeping your account number find

Your account number is less sensitive than your full card number or PIN, but you should still treat it with care. It's safe to share your account number and routing number with your employer for direct deposit or with trusted organizations for bill payments. However, avoid posting it on social media or sharing it with unknown callers who claim to represent your bank.

Bank of America will never ask you to confirm your full account number via email or unsolicited phone calls. If someone contacts you claiming to be from the bank and asks for your account number, hang up and call the official Bank of America number on the back of your card or on your statement. Scammers sometimes pose as banks to collect account information.

Frequently Asked Questions

Is my account number the same as my routing number?

No. Your account number is 10 digits and identifies your specific account. Your routing number is 9 digits and identifies the Bank of America location that processes your account. You need both for transfers and direct deposit.

Can I change my account number?

Bank of America does not allow you to change your account number yourself. If you believe your account number has been compromised, contact Bank of America when ready. In rare cases, the bank may close your current account and open a new one with a different number, but this is not a routine request.

What if I give someone the wrong account number?

If you provide an incorrect 10-digit account number for a transfer or direct deposit, the transaction will typically be rejected because the number won't match any account in the system. Double-check the number before submitting any transfer request.

Do all Bank of America accounts have 10-digit account numbers?

Yes. All Bank of America checking, savings, and money market accounts use 10-digit account numbers. This format is consistent across all account types at the bank.