The fastest way: check your checks or bank statement
Your routing number and account number are printed at the bottom of every check you have. The routing number is the first set of nine digits on the left. The account number follows it and is usually 10 to 12 digits long. If you have a checkbook, you do not need to call your bank or log in anywhere.
If you do not have checks, pull up your most recent bank statement online or in the mail. Most statements show both numbers in a section labeled "Account Information" or near the top of the page. The routing number may also appear as "ABA Number" or "Transit Number."
For a tax refund, insurance refund, or any payment going into your account, you need both numbers correct. A wrong routing number sends the money to the wrong bank entirely. A wrong account number can delay the deposit or send it to someone else's account at the right bank.
Key Takeaways
- Your routing number and account number are printed at the bottom of your checks in that order, and you can read them directly without calling your bank.
- Bank statements also show both numbers, usually in an "Account Information" section near the top or bottom of the page.
- Your routing number is nine digits and identifies your specific bank branch; your account number is 10 to 12 digits and identifies your account within that bank.
- If you cannot find either number, call your bank's customer service line or log into your online banking portal to view your account details.
Online banking portals and mobile apps
Log into your bank's website or mobile app using your username and password. Look for a section called "Account Details," "Account Information," or "My Accounts." Both your routing number and account number will be displayed there, usually together.
Some banks also let you copy the numbers directly from the app, which reduces the chance of typing them wrong. If you cannot find the section, use the search or help feature within the app and search for "routing number" or "account number."
Calling your bank directly
If you do not have checks, cannot access your statement, or your online portal is not working, call the customer service number on the back of your debit card or the number listed on your bank's website. Have your account number or Social Security number ready so the representative can pull up your account.
Tell them you need your routing number and account number. They will give you both over the phone. Write them down carefully or ask them to repeat the numbers to confirm you have them right. Do not share these numbers with anyone except the organization that is sending you money (a tax authority, insurance company, or employer).
Different routing numbers for different purposes
Most people have one routing number for their bank. However, some large banks have multiple routing numbers depending on which branch you opened your account at or which state you live in. If you are setting up a direct deposit or electronic transfer, use the routing number that matches your specific branch or account location.
If you are unsure which routing number to use, call your bank and tell them the specific purpose—for example, "I am setting up a direct deposit for my tax refund." They will give you the correct routing number for that transaction.
What to do if you cannot find your numbers
If you have lost your checks, cannot access your bank statement, and your online banking is down, the fastest option is to call your bank's main customer service line. Have your identification ready. They can confirm your account and provide both numbers within a few minutes.
Some banks also mail you a new checkbook if you request one, though this takes one to two weeks. If you need the numbers right away for a refund or payment, the phone call is your best option.
Protecting your routing and account numbers
Your routing number is public information—it identifies your bank, not your account. Your account number is private. Together, they allow someone to set up direct deposits or electronic transfers from your account.
Share these numbers only with organizations you trust and that you initiated contact with. If a refund is being sent to you, the organization sending it (IRS, state tax authority, insurance company) will ask for these numbers. Do not give them to anyone who calls or emails you unsolicited.
Frequently Asked Questions
Is my routing number the same as my bank's main routing number?
Usually yes, but some large banks have multiple routing numbers by branch or state. If you opened your account at a specific branch, that branch may have its own routing number. Call your bank to confirm which one to use for direct deposits or electronic transfers.
Can I use someone else's routing and account number to send them money?
Yes. If you are sending money to someone else—for example, paying a contractor or sending a refund—you need their routing and account number. They should provide these to you directly. Do not guess or use a number from a check that may be old.
What if the routing number I used was wrong?
The money will go to the wrong bank. Contact the organization that sent the payment immediately and provide the correct routing number. They may be able to recall the transfer or reissue the payment to the right account. The sooner you report it, the better your chances of recovery.
Do I need my routing number to check my account balance?
No. You only need your routing and account number when setting up direct deposits, electronic transfers, or other transactions that move money into or out of your account. For checking your balance, log into your online banking or call customer service with just your account number or Social Security number.