Bank of America account numbers have 10 digits
A Bank of America checking or savings account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, or by calling customer service at 1-800-432-1000. The 10-digit number is unique to your account and stays the same for as long as you hold that account.
The full routing and account information you see on a check includes more than just the account number. At the bottom of a check, you'll see three separate numbers: the routing number (9 digits on the left), the account number (10 digits in the middle), and the check number (on the right). When you're setting up a wire transfer, direct deposit, or automatic payment, you'll need both the routing number and the account number.
Key Takeaways
- Bank of America account numbers are always 10 digits, whether you have a checking, savings, or money market account.
- You can find your account number on the bottom of your checks, in the mobile app, on your statement, or by logging into your online account.
- The routing number (9 digits) and account number (10 digits) are two separate pieces of information you'll need for transfers and direct deposits.
- Your account number is unique to you and does not change unless you close the account and open a new one.
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 the routing number, and the second set in the middle is your 10-digit account number. If you don't have checks handy, log into your Bank of America online account or mobile app and go to your account details or account summary page—your account number will be displayed there.
You can also call Bank of America directly at 1-800-432-1000 and speak with a representative who can confirm your account number. If you receive paper statements in the mail, your account number appears at the top of each statement. Some people also find it on their debit card documentation or the welcome letter they received when they opened the account.
Why you need both routing and account numbers
When you set up a wire transfer, automatic bill payment, or direct deposit (like a paycheck), you'll be asked for both your routing number and your account number. The routing number tells the banking system which Bank of America branch or processing center to send the money to, while the account number tells that branch which specific account within Bank of America should receive the funds.
Without both numbers, the transfer cannot be completed. If you provide only the account number, the bank won't know which institution to route the money through. If you provide only the routing number, the bank won't know which account to credit. That's why forms always ask for both pieces of information.
Bank of America routing numbers vary by location
Bank of America has multiple routing numbers depending on which state your account is held in. The most commonly used routing number is 026009593 for accounts in most states, but if your account was opened in California, Texas, or certain other states, your routing number may be different. You can find your specific routing number on the bottom left of your checks, or by logging into your online account.
If you're unsure which routing number applies to your account, the safest approach is to use the one printed on your checks or to call Bank of America customer service. Using the wrong routing number can delay a transfer or cause it to fail, so it's worth taking 30 seconds to confirm before you submit a wire transfer or set up direct deposit.
What happens if you share your account number
Sharing your 10-digit account number alone is generally safe—it's printed on every check you write and is not enough information for someone to drain your account. However, you should never share your account number along with your PIN, online password, or other sensitive information. A scammer who has only your account number and routing number cannot access your funds without additional credentials.
If you're concerned that your account number has been compromised, you don't need to close your account. Bank of America monitors accounts for unauthorized activity, and you can report suspicious transactions through your online account or by calling customer service. If fraud does occur, federal law protects you from liability for unauthorized transfers in most cases.
Account numbers don't change when you move or switch branches
Your 10-digit account number remains the same even if you move to a different state or switch to a different Bank of America branch. The account number is tied to your account itself, not to a physical location. This means any direct deposits, automatic payments, or standing instructions you've set up will continue to work without interruption.
The only time your account number changes is if you close the account and open a brand-new one. If you're transferring money between your own Bank of America accounts, you'll use different account numbers for each account, but your routing number stays the same.
Frequently Asked Questions
Can I change my Bank of America account number?
No, you cannot change your account number while keeping the same account open. Your 10-digit number is permanent for that account. If you need a new account number for security reasons, you would need to close the current account and open a new one, which means updating all your direct deposits and automatic payments.
Is my account number the same as my debit card number?
No. Your debit card has its own 16-digit number printed on the front, which is completely separate from your 10-digit account number. The account number is used for bank transfers and direct deposits, while the card number is used for purchases and ATM withdrawals.
What's the difference between the routing number and account number?
The routing number (9 digits) identifies which bank or branch processes your account. The account number (10 digits) identifies your specific account within that bank. Both are needed for transfers, direct deposits, and bill payments to reach the correct destination.
Do I need my account number to use my debit card?
No. You only need your debit card number, expiration date, and CVV to make purchases. Your account number is used for bank-to-bank transfers, not for everyday card transactions. You also don't need your account number to withdraw cash from an ATM—your debit card and PIN are sufficient.
Where do I find my account number if I don't have checks?
Log into your Bank of America online account or mobile app and look for account details or account summary. You can also call 1-800-432-1000 to speak with customer service, or check any paper statements you've received by mail—your account number appears at the top of each statement.