The fastest way to find your account number
Your bank account number is printed on the bottom left of every check you write — it's the middle set of numbers between the routing number and the check number. If you have checks on hand, that's the quickest place to look. The account number is usually 10 to 12 digits long, though the exact length varies by bank.
If you don't have checks, log into your bank's website or mobile app. Your account number appears on the account summary page, often labeled "Account Number" or "Account Details." Most banks show it prominently near your account balance. You can also call your bank's customer service line — the number is on the back of your debit card — and a representative will read it to you after confirming your identity.
Your bank statement also lists your account number at the top or in the account information section. If you receive paper statements, look there first. If you get statements by email, search your inbox for the most recent one and open the PDF.
Key Takeaways
- Your account number appears on the bottom of any check you have, as the middle set of numbers between the routing number and check number.
- Logging into your bank's website or app shows your account number on the account summary or details page.
- Calling your bank's customer service line and confirming your identity will get you your account number read aloud.
- Paper or electronic bank statements display your account number in the account information section.
Finding your account number without a check or online access
If you don't have checks and can't log into your online account, call your bank directly. Have your Social Security number, date of birth, and the phone number or address on file ready to verify who you are. The representative will confirm your identity and provide your account number over the phone.
You can also visit a branch in person with a photo ID. A teller can look up your account number and write it down for you on the spot. This takes about five minutes and requires no advance notice. Either method works equally well — choose whichever is more convenient for your schedule.
Account numbers for different account types
Checking and savings accounts each have their own account number, even if they're at the same bank. If you have multiple accounts, each one will have a different number. When you need to provide an account number — for direct deposit, wire transfers, or automatic payments — make sure you're using the number for the specific account you want the money to go to.
Some banks also issue separate account numbers for money market accounts, certificates of deposit (CDs), or investment accounts. If you're unsure which account number to use, check the statement for that specific account or call your bank to confirm you have the right one before submitting it.
What to do if you can't remember your password
If you can't log into your online banking because you've forgotten your password, use the "Forgot Password" link on your bank's login page. You'll be asked to verify your identity — usually through an email sent to your account email address or a code sent to your phone number on file. Follow the prompts to reset your password, then log in and find your account number.
If you can't access the email or phone number associated with your account, call your bank's customer service line. They can walk you through identity verification by phone and either reset your password or provide your account number directly. This is faster than waiting for password reset emails if your contact information has changed.
Keeping your account number safe
Your account number is sensitive information. Don't share it with anyone who calls you claiming to be from your bank — legitimate banks never ask for your account number over the phone. If someone contacts you requesting it, hang up and call your bank directly using the number on your debit card or statement.
When you provide your account number for legitimate purposes — like setting up direct deposit with your employer or paying a bill — make sure you're on a secure website (look for "https://" in the address bar) or speaking directly with a trusted organization. Keep statements and documents with your account number in a safe place at home, away from other sensitive documents.
Account numbers for joint accounts
If you have a joint account with another person, there is one account number for that account, not separate numbers for each owner. Both account holders can see and use the same account number. If you need to set up a transaction on the joint account, use the single account number listed on the statements or checks.
Either joint account holder can retrieve the account number using any of the methods described above — checks, online banking, calling the bank, or visiting a branch. The bank will confirm your identity but will provide the same account number regardless of which owner requests it.
Frequently Asked Questions
Is my account number the same as my routing number?
No. Your routing number identifies your bank; your account number identifies your specific account at that bank. On a check, the routing number comes first (usually nine digits), then your account number (usually 10 to 12 digits), then the check number. Both are needed for direct deposits and wire transfers.
Can I use my debit card number instead of my account number?
No. Your debit card number is different from your account number. For direct deposit, wire transfers, and ACH payments, you need your actual account number, not your card number. Your bank can tell you the difference if you're unsure which one to use.
What if my bank merged with another bank?
Your account number usually stays the same after a merger, but your routing number may change. Check your most recent statement or log into your account to confirm both numbers. If you're setting up direct deposit or automatic payments, use the current numbers from your bank's website or a recent statement.
Do I need my account number to open a new account at the same bank?
No. When you open a new account, the bank will assign you a new account number. You don't need to provide your existing account number unless you're transferring money between your own accounts at that bank.