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, and in the Bank of America mobile app. The account number itself contains only numbers — no letters or special characters.
The 10-digit account number is unique to your specific account. If you have multiple accounts at Bank of America (a checking account and a savings account, for example), each one has its own separate 10-digit number. This number stays the same for the life of the account unless you close it and open a new one.
Key Takeaways
- Bank of America account numbers are always exactly 10 digits, with no letters or symbols.
- You can find your account number on checks, statements, your debit card, and in the mobile app or online banking.
- Each account you hold at Bank of America has its own unique 10-digit number.
- When you provide your account number for transfers or bill payments, include all 10 digits to avoid processing errors.
- Your account number is different from your routing number, which is a 9-digit code that identifies the bank branch.
Where to locate your account number
The easiest place to find your account number is on a check from your checking account. Look at the bottom of the check — you'll see three sets of numbers. The first set (usually 9 digits) is the routing number. The middle set is your 10-digit account number. The last set is the check number.
If you don't have checks handy, log into your Bank of America online banking account or open the mobile app. Your account number appears at the top of your account summary page, usually next to the account type (like "Checking" or "Savings"). You can also call Bank of America customer service at 1-800-432-1000 and provide your Social Security number to confirm your account number over the phone.
Your monthly bank statement also lists your account number, typically near the top of the first page. If you have a debit card linked to the account, the statement will show the account number associated with that card.
Account number versus routing number
Many people confuse the account number with the routing number, but they serve different purposes. Your routing number is 9 digits and identifies which Bank of America branch or processing center handles your account. Your account number is 10 digits and identifies your specific account within that branch.
When you set up direct deposit, make an ACH transfer, or arrange a wire transfer, you typically need both numbers. The routing number tells the sending bank where to send the money, and the account number tells that branch which account to deposit it into. Bank of America's routing number varies slightly depending on your state and account type, but you can find the correct one on your checks or by calling customer service.
What happens if you provide the wrong number of digits
If you enter fewer or more than 10 digits when setting up a transfer or payment, the transaction will usually be rejected before it processes. Most banking systems validate the account number length and won't allow a transaction to proceed if the number doesn't match the expected format.
If you accidentally include extra spaces or characters when typing your account number online, the system may strip them out automatically — or it may reject the entry and ask you to re-enter it. Always double-check that you've entered exactly 10 digits with no spaces or symbols before confirming a payment or transfer.
Using your account number safely
Your account number is semi-public information — it appears on checks you write and on statements you may share. However, you should still protect it. Never share your full account number in an email, text message, or over the phone unless you initiated the contact and you're certain you're speaking with your bank.
When you receive a call or email claiming to be from Bank of America and asking for your account number, hang up or delete the message and call Bank of America directly using the number on your statement or debit card. Scammers sometimes pose as banks to collect account numbers for fraud.
If you suspect someone has your account number and may use it fraudulently, contact Bank of America immediately. You can report suspicious activity through your online banking account, call 1-800-432-1000, or visit a local branch. Bank of America offers fraud protection on unauthorized transactions, but reporting quickly helps protect your account.
Frequently Asked Questions
Is my Bank of America account number the same as my debit card number?
No. Your debit card number is a 16-digit number printed on the front of your card. Your account number is a separate 10-digit number. The debit card is linked to your account, but they are different numbers used for different purposes.
Can I change my Bank of America account number?
You cannot change an existing account number. If you need a new account number, you would have to close your current account and open a new one, which creates a new 10-digit number. This is rarely necessary unless you suspect fraud or have other serious concerns about the account.
Do all banks use 10-digit account numbers?
No. Different banks use different account number lengths. Some banks use 8 digits, others use 12 or more. Bank of America consistently uses 10 digits, but when you're setting up transfers between Bank of America and another bank, always confirm the correct account number length with the other bank.
What should I do if I don't know my account number?
Log into your Bank of America online banking account or mobile app — your account number is displayed on the account summary page. You can also call 1-800-432-1000, visit a local branch with your ID, or check a recent bank statement. All of these methods will show you your 10-digit account number.