Locating Your Account Number on a Check (2024)

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  • A bank account number is a tool for identifying a specific bank account.
  • You can find a bank account number on the bottom of your check or on a bank statement.
  • Bank account numbers typically range from eight to 12 digits depending on the financial institution.

You need to know your bank account number to initiate bank transfers or deposits.

Not sure how to find it? Here's what you need to know about bank account numbers generally and from the best banks so you can find them, plus what makes them different from routing numbers.

Anatomy of a check

A bank account number is one of three important numbers you'll find on the bottom of every check. Here's what each means:

  • Routing number: This number is listed first and identifies your financial institution.
  • Bank account number: This number is listed second and identifies a specific bank account at a financial institution.
  • Check number: The last sequence of numbers is the check number. This can help keep track of your payments.

You may need your bank account number to transfer money between bank accounts, set up a direct deposit, or make online bill payments.

Where to find the account number

Position and appearance of the account number

Generally, the routing number will be on the bottom left-hand corner of a check, while the bank account number will be more toward the bottom-middle of a check.

Bank account numbers are usually eight to 12 digits long. The routing number, on the other hand, will always be nine digits long and start with a 0, 1, 2, or 3.

How to find a bank account number without a check

If you don't have a check, here are places to find your bank account number:

  • Online banking
  • Mobile banking
  • Your monthly bank statement

To find your account number through online or mobile banking, usually you'll select the account and click on the account number or a tab that says "More Details" or "Account Information." Call customer service if you can't find your account number.

Bank account numbers at the biggest banks

Chase account numbers

Chase bank account numbers are around nine or 10 digits long. Chase account numbers are available via mobile banking, online banking, or on a check.

To find the bank account number on the mobile app, select your account and click "Show Details." If you use online banking, click on the last four digits of the account number that shows up above your account information, and hit "see full account number."

Wells Fargo account numbers

Wells Fargo account numbers range from nine to 13 digits long. Discover Wells Fargo account numbers through checks, online banking, or mobile banking.

If you use online banking, the account number is next to the account name. To find the account number through the mobile app, select the account.

Bank of America account numbers

Bank of America account numbers are 12 digits long. Find the account number through online banking. If you select "Account Overview" and the "Information and Services" tab you'll be able to find the account number. You can also find Bank of America account numbers on a check.

PNC account numbers

PNC Bank account numbers are around nine to 12 digits long and can be found through checks, online, or mobile banking. Select a bank account to see the full account number on online or mobile banking.

Capital One account numbers

Capital One Bank account numbers may be around 12 digits or less. The account number is located in the bank's mobile app under the "Details" section. You can also find a Capital One bank account number on a check.

Navy Federal account numbers

Navy Federal Credit Union account numbers are around 10 digits long. The account number may be found through the bank's mobile app or on checks. If you use the bank's mobile app to see your bank account number, select the bank account and click on "Show More Details."

TD Bank account numbers

TD Bank account numbers are around 10 digits long. You may find TD Bank account numbers on checks, the TD Bank mobile app, online banking, or by visiting a TD Bank location. Find the account number on online banking or the TD Bank mobile app by clicking on "Account Details."

U.S. Bank account numbers

U.S. Bank account numbers range from 10 to 12 digits. You may discover U.S. Bank account numbers on a check or bank account statement.

The account number is also available through mobile and online banking. If you use online banking, click on the account and choose "Show" to see the full account number. On the mobile app, you'll select the account, click the "Manage" tab, then "Account & Routing Number." You may also call customer support if you can't locate it.

Tips for protecting your account number

If a potential fraudster gets ahold of your bank account number, they could use it to make unauthorized withdrawals or transfers. Here are some tips for protecting your account number:

  • Avoid writing it down: Don't keep your account number written down on your phone or a piece of paper.
  • Safely store or destroy bank statements: If you receive paper copies of your bank statements, keep them stored in a safe location, such as a locked filing cabinet. Shred any paper statements before throwing them away.
  • Verify apps and tools: Many budgeting apps will ask you to link your bank account to its platform to use it. Verify that the app or tool is legitimate before agreeing to share your account information.
  • Only write checks to trusted people or businesses: If you're paying for a purchase with a check, be sure that you trust the recipient.

Bank account number FAQs

What is the difference between the routing number and the account number on a check?

A routing number identifies your financial institution. An account number identifies a specific bank account.

Can my account number be used for fraudulent activities?

Yes, a bank account number could be used to make unauthorized transactions, such as withdrawing or transferring money from your account or creating fake checks.

Where exactly is the account number located on a check?

The bank account number will be listed at the bottom of a check, right next to the routing number. A routing number is always nine digits long, while bank account numbers range from eight to 12 digits depending on the bank.

Is the account number on a check the same as on my bank card?

Your debit card number is different from the account number listed on your personal checks, even if they are connected to the same account.

What should I do if I'm unsure about my account number?

You can verify your account number by checking your most recent bank statement or contacting your bank.

Sophia Acevedo

Banking Editor

Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics.ExperienceSophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, and budgeting and saving. She is highly knowledgeable about long-term trends in rates and offers at banks across the U.S.Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.ExpertiseSophia's expertise includes:

  • Bank accounts
  • Savings and CD rate trends
  • Budgeting
  • Saving
  • How banks operate

EducationSophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.

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Locating Your Account Number on a Check (2024)

FAQs

Locating Your Account Number on a Check? ›

Your paper checks are the easiest place to find your checking account number. You'll find it at the bottom of the check, near the middle. It's the second set of numbers. You'll see the space in between the two sets of numbers to differentiate.

How to identify your account number on a check? ›

Look at a check. Your account number (usually 10 digits) is specific to your personal account. It's the second set of numbers printed on the bottom of your checks, just to the right of the bank routing number.

Where can I find my account number? ›

You can find your bank account number on your bank statements, printed at the bottom of a paper check, or by logging on to the bank's website.

How do I find my account number without a check or statement? ›

Find Your Account Number with Online Banking
  1. Log into Online Banking.
  2. Select an account from The Hub.
  3. Click on Account Numbers and More.
  4. The account number should be visible in the pop-up window.

How many digits is a checking account number? ›

Bank account numbers typically consist of eight to 12 digits, but some account numbers could even contain up to 17 digits.

Is MICR the same as account number? ›

Your MICR number is the long number located at the bottom of your checks and is used for setting up direct deposits and automatic withdrawals from your accounts. This is not the same as your account number.

What is the check digit of the account number? ›

The first four digits represent the Federal Reserve routing symbol. The next four digits identify an ABA institution. The last component (the ninth number) is the “check digit.” This single number is important because it is used to verify the authenticity of the routing number.

How can I find my account number without going to the bank? ›

Use a mobile banking website or app to find the number online. Navigate to your bank's website on a computer or open up their mobile app on your phone or tablet. Sign in and click on the tab to view a summary of your account. Usually, the account number will be listed on this page.

How to identify bank account number? ›

Cheque Book: The easiest way to find your bank account number is to look into your chequebook. Each cheque has a bank account number written in the box along with other details like bank branch address, cheque number and IFSC code.

How do I find my account number if I forgot it? ›

Visit the Branch: the most traditional means of how to check my bank account number is by visiting the nearest branch of your bank. However, it is also advisable to visit your home branch where the account has been opened.

How do I find my 16 digit account number? ›

A chequebook contains all crucial details like your name, mobile number, address, bank account number, etc. Also, you can find your current or savings bank account number digits on every cheque leaf.

Do you include the zeros in account number? ›

Account number - varies in length. May appear before or after the check number. Include any leading zeros, but omit spaces and non-numeric characters.

Why is my account number different on my check? ›

If you had two checking accounts at the same bank in the same state, your checks for your accounts would have the same routing number, but different account numbers. Your routing number is used to identify your bank, while your account number is used to identify your checking account.

What is the difference between a routing number and account number? ›

Routing vs Account Number

A routing number is nine digits that identify the financial institution that holds your account, while an account number is the unique 9 to 12 digit number that identifies your specific account within that financial institution.

How to verify a bank account number? ›

This is done through the verification of an identity number (or company registration number) against the bank account number supplied. That the bank account in question is presently open and active. That the bank account in question accepts debit and credit transactions.

How to know which bank by account number? ›

The account number does not identify the bank. However, the bank also issues a routing number for its clients. This number includes a few digits that denote the financial institution, i.e., the bank, that holds the account in question. They are usually the first digits in the routing number.

How to find account number with last 4 digits? ›

How do I find out the account number when I have only the last four digits of my checking account number? Look at one of your checks. Your account number will appear in its entirety there. The bank statement they send to you each month also has this information.

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