Bank of America account numbers have 10 digits
Your Bank of America account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, on your debit card statements, or by calling customer service at 1-800-432-1000.
The 10-digit number is unique to your specific account. It's different from your routing number (which identifies Bank of America itself as 026009593 for most U.S. locations) and different from your card number if you have a debit or credit card linked to the account.
When you set up direct deposit, wire transfers, or automatic bill payments, you'll need to provide both your routing number and your 10-digit account number so the payment reaches the right place.
Key Takeaways
- Bank of America account numbers are always 10 digits, never more or fewer.
- Your account number appears on checks, statements, and in your online banking dashboard under account details.
- You need both your 10-digit account number and your routing number (026009593) to set up transfers or direct deposit.
- Your account number is different from your debit card number, credit card number, and routing number.
Where to find your 10-digit 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, printed in magnetic ink.
If you don't have checks, log into your Bank of America online banking account or mobile app. Go to the account details or account information section—the 10-digit number will be listed there. You can also see it on your monthly statement, usually near the top.
If you need it immediately and don't have online access, call Bank of America customer service at 1-800-432-1000. Have your Social Security number and a form of ID ready. They can confirm your account number over the phone in a few minutes.
Why account numbers are 10 digits
Bank of America standardized its account numbers at 10 digits to create enough unique combinations for millions of customers while keeping the number short enough to write down or remember. Other major U.S. banks use similar lengths—most account numbers fall between 8 and 12 digits depending on the bank.
The 10-digit format also works with the ACH (Automated Clearing House) system, which processes direct deposits, bill payments, and transfers between banks. The ACH system expects account numbers within this range, so Bank of America's format aligns with how money moves through the banking network.
Account numbers versus other numbers on your account
It's easy to confuse your account number with other numbers tied to your Bank of America account. Your routing number (026009593 for most locations) identifies Bank of America itself, not your specific account. Your debit card number is a separate 16-digit number printed on the front of your card. Your credit card number, if you have one, is also separate and typically 16 digits.
When you're setting up a transfer or direct deposit, use only your 10-digit account number and your routing number. Using your card number by mistake will cause the transaction to fail or be rejected.
Your PIN (personal identification number) is a 4-digit code you create for ATM and debit card use—this is not your account number and should never be shared with anyone.
What happens if you give out your account number
Sharing your 10-digit account number alone is generally safe if you're giving it to a trusted source like your employer (for direct deposit) or a utility company (for bill payment). The account number by itself cannot be used to withdraw money or make purchases without your routing number and authorization.
However, never share your account number along with your routing number, PIN, or online banking password to anyone who contacts you unexpectedly. Scammers sometimes pose as Bank of America or other companies to collect this information. Bank of America will never ask for your account number, PIN, or password via email, text, or unsolicited phone call.
If you suspect someone has your account number and routing number, contact Bank of America immediately at 1-800-432-1000. They can monitor your account for unauthorized activity and issue you a new account number if needed, though this is rare.
Using your account number for transfers and payments
When you set up direct deposit with your employer, you'll provide your 10-digit account number and routing number. The payroll system uses both numbers to route your paycheck to the correct Bank of America account.
For bill payments through Bank of America's bill pay service, you enter the account number of the company or person you're paying (not your own account number). When you're the one receiving a payment, you give out your own 10-digit account number and routing number.
Wire transfers also require your full 10-digit account number. If you're sending money to someone else's Bank of America account, ask them for their account number and confirm it's exactly 10 digits before you initiate the transfer. A single wrong digit will send the money to the wrong account, and recovering it can take weeks.
Frequently Asked Questions
Can I change my Bank of America account number?
Bank of America does not allow you to request a new account number for an existing account under normal circumstances. If you suspect fraud or unauthorized access, call 1-800-432-1000 and they will assess whether a new number is necessary. In most cases, they'll monitor the account instead.
Is my 10-digit account number the same across all my Bank of America accounts?
No. Each account you have with Bank of America—checking, savings, money market—has its own unique 10-digit account number. If you have multiple accounts, each one will appear separately in your online banking dashboard with its own number.
What if I only have 9 digits or 11 digits when I write down my account number?
Double-check your source. Bank of America account numbers are always exactly 10 digits. If you're seeing a different number of digits, you may have copied your routing number, card number, or check number by mistake. Verify the number in your online banking account or on a check.
Do I need my account number to log into online banking?
No. You log into Bank of America online banking with your username and password, not your account number. Once you're logged in, you can see all your account numbers listed under account details or account information.
What if someone has my account number but not my routing number?
An account number alone is not enough to transfer money out of your account. A fraudster would need both your account number and routing number, plus authorization to initiate a transfer. If you're concerned, monitor your account regularly through online banking for any unauthorized activity.