A Bank of America account number is 10 digits long
Your Bank of America account number is always 10 digits. It appears on your checks, statements, and online banking portal. The number identifies your specific account within Bank of America's system and is separate from your routing number (which is 9 digits and tells other banks how to find Bank of America).
When you set up direct deposit, pay bills online, or send money to another account, you will need this 10-digit number. It is unique to your account — no other Bank of America customer has the same combination, even if you have multiple accounts at the same bank.
Key Takeaways
- Bank of America account numbers are always exactly 10 digits long, regardless of account type.
- Your account number appears on the bottom left of your checks, on your monthly statement, and in the Account Information section of your online banking portal.
- The 10-digit account number is different from your routing number (9 digits) and your debit card number (16 digits).
- You will need your account number to set up direct deposit, make wire transfers, or authorize automatic bill payments.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check from your checkbook. Look at the bottom of the check: the first set of numbers on the left is your routing number (9 digits), and the second set is your account number (10 digits). The third set is the check number itself.
If you do not have checks, log into your Bank of America online banking account or mobile app. Go to the Account Information or Account Details section — the 10-digit number will be listed there. You can also call Bank of America customer service at 1-800-432-1000 and provide your identification; they will read it to you over the phone.
Your monthly statement also displays your account number at the top or in the account summary section. If you receive paper statements, this is printed on every page.
How the 10-digit format breaks down
Bank of America uses a straightforward 10-digit format with no letters or special characters — only numbers. The digits themselves do not encode information about your branch, account type, or balance; they are simply a unique identifier assigned to your account when you open it.
The account number stays the same for the life of the account, even if you move branches, change account types, or update your personal information. If you close an account and reopen one later, you will receive a new 10-digit number.
Account number versus routing number versus card number
These three numbers serve different purposes and are easy to confuse. Your routing number (9 digits) tells other banks and employers how to find Bank of America. It is the same for all Bank of America customers in your region. Your account number (10 digits) identifies your specific account within Bank of America. Your debit card number (16 digits) is tied to your account but is a separate identifier used for card transactions and online purchases.
When you set up direct deposit, you need both the routing number and account number. When you make a purchase with your debit card, the merchant sees your card number, not your account number. When you receive a wire transfer, the sender needs your routing number and account number.
When you need to provide your account number
You will need your 10-digit account number when setting up direct deposit for paychecks or government benefits. Employers and benefits programs use it to deposit money into your account automatically. You also need it to authorize automatic bill payments through your utility company, insurance provider, or other creditors.
If you are sending a wire transfer or receiving one from outside Bank of America, you will provide your account number to the sender or to your bank. The same applies if you are linking your Bank of America account to a third-party payment app or investment platform. Some online services ask for your account number to verify your identity or pull small test deposits.
Keeping your account number secure
Your account number is not as sensitive as your PIN or online banking password, but you should still treat it with care. Sharing your account number with unknown callers or in unsecured emails creates risk. Scammers can use your account number along with other information to attempt unauthorized transfers or fraudulent activity.
When you provide your account number over the phone, confirm you are calling the official Bank of America number (1-800-432-1000) or that the company calling you is legitimate. Never give your account number to someone who calls you unsolicited. If you suspect fraud on your account, contact Bank of America immediately — they can freeze the account and investigate.
What to do if you forget your account number
If you need your account number and do not have a check or statement handy, log into your online banking account. The number is displayed in the Account Information section within seconds. If you do not have online access set up, call Bank of America at 1-800-432-1000 with your identification ready. A representative will verify your identity and provide the number.
You can also visit a Bank of America branch in person with a photo ID. A teller can print your account number for you immediately. If you are in a hurry, the fastest option is usually the online portal or the phone line — both take less than five minutes.
Frequently Asked Questions
Can I change my Bank of America account number?
No, you cannot change your account number. It is assigned when you open the account and remains the same for the life of that account. If you want a different number, you would need to close the account and open a new one, which will generate a new 10-digit number.
Is my account number the same as my customer ID?
No, they are different. Your customer ID is a separate identifier Bank of America uses internally to track your overall relationship with the bank. Your account number identifies a specific account. If you have multiple accounts, each has its own 10-digit account number, but you may have one customer ID.
Do I need my account number to check my balance?
No. You can check your balance by logging into online banking with your username and password, calling 1-800-432-1000 and verifying your identity, or visiting an ATM with your debit card. You only need the account number when you are setting up transfers, direct deposit, or bill payments.
What happens if I give someone the wrong account number?
If you provide an incorrect 10-digit number, the transfer or deposit will likely be rejected or sent to the wrong account. If it goes to another Bank of America customer's account by mistake, that customer's bank can reverse it. Contact Bank of America immediately if money was sent to the wrong account number.
Is my account number printed on my debit card?
No. Your debit card shows your 16-digit card number, expiration date, and name, but not your 10-digit account number. The card number and account number are linked but separate identifiers.