Bank of America account numbers are 10 digits long
Your Bank of America account number is always 10 digits. You'll find it on the bottom left of your checks, in your online banking portal, on statements, and when you call customer service. The number never changes for that account, even if you close it and reopen it later — the bank retires the old number permanently.
The 10-digit format is standard across Bank of America's consumer accounts: checking, savings, money market, and certificates of deposit all use the same length. If you have multiple accounts at Bank of America, each one has its own separate 10-digit number.
Key Takeaways
- Bank of America account numbers are always exactly 10 digits, never longer or shorter.
- Your account number stays the same for the life of the account and appears on checks, statements, and in online banking.
- When you set up direct deposit or wire transfers, you'll need both your routing number (which is 9 digits) and your 10-digit account number.
- The account number alone is not enough for someone to access your account — they also need your username, password, or other verification.
Where to find your account number
The easiest place to locate your account number is the bottom left corner of any check you have. The number appears after the routing number and before the check number. If you don't have checks, log into your Bank of America online account or mobile app — your account number is displayed on the account summary page and on each statement.
You can also call Bank of America customer service at 1-800-432-1000 and provide your Social Security number and other verification details. A representative will read your account number to you. If you're at a branch, bring your ID and ask a teller to confirm it.
Why you need your account number for transfers and deposits
When you set up direct deposit from an employer or government agency, you'll need to provide both your routing number and your account number. The routing number (9 digits for Bank of America) tells the sending bank which Bank of America location to send the money to; the account number tells them which specific account within that location receives it.
The same applies to wire transfers, ACH transfers between banks, and bill payments. Without the correct 10-digit account number, the transfer will fail or go to the wrong account. Always double-check the number before submitting, especially for large transfers or recurring payments.
What your account number does and does not protect
Your account number alone cannot be used to drain your account or make unauthorized transfers. Someone would also need your username and password, or they would need to pass additional verification steps like answering security questions or confirming a code sent to your phone. Bank of America uses multi-factor verification for online access and for phone transactions.
That said, you should not share your account number with people you don't trust. While it's safe to give it to your employer for direct deposit or to a utility company for bill payment, avoid posting it on social media or sharing it in unsecured emails. If you suspect someone has misused your account number, contact Bank of America immediately at 1-800-432-1000.
Account numbers on statements and tax documents
Your account number appears on every monthly statement you receive. For savings accounts, it's listed at the top of the statement. For checking accounts, it's shown alongside your routing number. Bank of America also includes your account number on tax documents like 1099 forms if you earned interest on the account.
When you file taxes or work with an accountant, you may need to reference your account number for records. Keep statements in a safe place, and do not leave them where others can see them.
What happens if you forget your account number
Forgetting your account number is not a problem. You can retrieve it in minutes by logging into your online account, calling customer service, visiting a branch, or checking an old statement or check. Bank of America does not charge a fee to look up your account number.
If you need your account number urgently and cannot access your online account, call 1-800-432-1000. Have your Social Security number, date of birth, and a form of ID ready. The representative will verify your identity and provide the number over the phone.
Frequently Asked Questions
Can someone access my account with just my account number?
No. Your account number is one piece of information, but Bank of America requires additional verification — username, password, security questions, or a code sent to your phone — before allowing access. Your account number is similar to your mailing address; it's needed for legitimate transactions but is not a security credential by itself.
Do all Bank of America accounts have 10-digit numbers?
Yes. Checking, savings, money market, and CD accounts all use 10-digit numbers. Business accounts also follow the same format. The length does not vary by account type or age.
What if I give my account number to my employer for direct deposit?
That is safe and expected. Employers need your routing number and account number to set up direct deposit. They cannot access your account or withdraw money with only that information — they can only deposit funds into it.
Is my account number the same as my routing number?
No. Your routing number is 9 digits and identifies which Bank of America location processes your account. Your account number is 10 digits and identifies your specific account. You need both for transfers and direct deposit.
What should I do if I think someone has my account number and might misuse it?
Contact Bank of America immediately at 1-800-432-1000 or visit a branch. Review your recent transactions for any unauthorized activity. If you see fraudulent charges, report them right away — Bank of America has fraud protection policies that may cover unauthorized transfers.