Your account number is in the bottom right corner of the check, after the routing number
The account number appears on the bottom of your check, printed in magnetic ink alongside your routing number. It comes after the routing number and before the check number. On most checks, you'll see three groups of numbers in this order: routing number (nine digits), account number (usually 10 to 12 digits), then check number (four to five digits).
The account number identifies your specific checking account at your bank. It's different from your routing number, which identifies the bank itself. You need both numbers together to set up direct deposit, arrange automatic payments, or give someone your banking details for a wire transfer.
If your check doesn't have numbers printed on it, or if the numbers are faded or hard to read, you can find your account number in other places: your bank statement, your online banking portal, your debit card, or by calling your bank's customer service line.
Key Takeaways
- Your account number is the second group of numbers printed at the bottom of your check, between the routing number and the check number.
- The account number is usually 10 to 12 digits long and identifies your specific checking account.
- You need both your routing number and account number together to set up direct deposit or authorize electronic payments.
- If your check is blank or the numbers are unclear, your bank statement or online banking account will show your account number.
How to read the numbers at the bottom of your check
The bottom left of your check shows your routing number first. This nine-digit code tells the banking system which bank holds your account. Immediately after the routing number comes your account number, which is longer—typically 10 to 12 digits depending on your bank. After your account number, you'll see the check number, which is usually four or five digits and identifies that specific check.
All three numbers are printed in a special magnetic ink that machines can read quickly. The order is always the same: routing number, then account number, then check number. This standardized layout makes it easy for banks to process checks automatically.
Some banks print these numbers in a slightly different visual arrangement, but the order at the bottom of the check remains consistent. If you're unsure which group is which, remember that the routing number is always nine digits, and your account number is the longer string that comes right after it.
Where else to find your account number if your check is blank or damaged
If you have a blank check stock or the numbers on your check are faded, smudged, or missing, your bank statement shows your account number clearly. Look at the top of any monthly statement—your account number is usually listed near your name and address. You can also log into your online banking account and find your account number in the account details or account summary section.
Your debit card also carries your account number, though it may not be printed on the front. Call your bank's customer service number on the back of your debit card or on your statement, and a representative can read your account number to you over the phone. You can also visit your bank branch in person and ask a teller to write it down for you.
Why you need both numbers together
Your routing number and account number work as a pair. The routing number tells the banking system which bank to send money to; the account number tells that bank which account within the bank should receive the money. Without both numbers, a transfer cannot be completed.
When you set up direct deposit for a paycheck, your employer needs both numbers. When you authorize an automatic bill payment, your utility company or creditor needs both. When you send a wire transfer, the bank sending the money needs both numbers to reach the correct account at the correct bank.
Never share your account number with someone you don't trust, and never give it to someone who calls you claiming to be from your bank. Your bank already has your account number and will never ask you to provide it over the phone.
What the check number is and why it's separate
The check number is the third group of numbers at the bottom of your check, and it's unique to that individual check. If you write check number 1001, the next check in your book is 1002, and so on. The check number helps you track which checks you've written and keeps a record for your own accounting.
The check number is not the same as your account number. It's printed on the check itself (usually in the top right corner as well) so you can reference it when you record the transaction in your checkbook or banking app. Banks use the check number to match a cleared check to your account when processing payments.
Frequently Asked Questions
Can someone use my account number without my routing number?
No. A routing number and account number must be used together to transfer money. Someone with only your account number cannot complete a transfer because the banking system won't know which bank to send the money to. However, you should still protect both numbers and not share them with people you don't trust.
Is my account number the same as my debit card number?
No. Your debit card number is different from your account number. Your account number is used for bank transfers and direct deposit. Your debit card number is used for purchases and ATM withdrawals. You can find your account number on your check or statement, not on the front of your debit card.
What if the numbers on my check are printed in a different order?
The order at the bottom of the check is standardized across all U.S. banks: routing number, account number, check number. If the numbers appear in a different location or arrangement on your check, contact your bank to confirm which number is which. Some banks may print additional numbers for their own internal use.
Do I need my check number for direct deposit?
No. Direct deposit requires only your routing number and account number. The check number is not needed and should not be provided. Your employer or the organization setting up direct deposit will ask specifically for the routing number and account number only.