Bank of America account numbers are 10 digits long
Your Bank of America account number is always 10 digits. This is the unique identifier for your specific account — checking, savings, money market, or line of credit. It appears on your checks, statements, and online banking portal.
The 10-digit account number is separate from your routing number, which is 9 digits and tells the banking system which Bank of America branch or processing center to send money to. Together, these two numbers are what you need to set up direct deposit, wire transfers, or automatic bill payments.
Bank of America uses the same 10-digit format across all account types. Whether you opened your account in 1995 or last month, the length stays the same. The number itself does not change unless you close the account and open a new one.
Key Takeaways
- Bank of America account numbers are always exactly 10 digits, regardless of account type or when you opened it.
- Your account number appears on the bottom left of your checks, on your monthly statement, and in your online banking dashboard.
- The 10-digit account number is different from your 9-digit routing number; you need both for transfers and direct deposit.
- If you cannot find your account number, calling Bank of America customer service or logging into your online account will show it immediately.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check from your checking account. Look at the bottom of the check: you will see three sets of numbers. The first set (9 digits) is your routing number. The middle set (10 digits) is your account number. The last set is the check number itself.
If you do not have checks handy, log into your Bank of America online account or mobile app. Your account number appears at the top of your account summary page, usually labeled "Account Number" or "Account #". You can also find it on your monthly statement, printed near the top or in the account details section.
If you have a Bank of America debit card, the account number does not appear on the card itself — only the card number does. The card number and account number are different. You will need to use one of the methods above to find your actual account number.
Why you need your account number for payments and transfers
Your 10-digit account number is required whenever you set up a payment or transfer that moves money into or out of your Bank of America account. This includes direct deposit from an employer, automatic bill payments to utilities or loan servicers, wire transfers to another bank, and peer-to-peer transfers through apps like Zelle.
When you provide your account number to a third party — a payroll processor, a biller, or another bank — that party uses it along with your routing number to identify your specific account. Without the correct 10-digit number, the transaction will fail or go to the wrong account.
Always double-check that you have copied your account number correctly before submitting it. A single wrong digit can cause a payment to bounce or be delayed by days while the bank tries to locate the intended recipient.
Account numbers versus other Bank of America identifiers
Bank of America uses several different numbers to identify you and your accounts, and it is easy to confuse them. Your account number (10 digits) identifies a single account. Your routing number (9 digits) identifies the Bank of America location or processing center. Your card number (16 digits on a debit or credit card) is tied to that specific card, not your account.
Your customer ID or online banking user ID is what you use to log into your account online — it is not the same as your account number. Your Social Security number or tax ID is used for tax reporting and identity verification, but it is not printed on statements or checks.
For most transactions, you only need your account number and routing number. For wire transfers, some banks ask for your account number, routing number, and the name on the account. For credit card payments, you use your card number, not your account number.
What happens if you share your account number
Sharing your 10-digit account number with a legitimate business — your employer, your utility company, your mortgage lender — is safe and necessary. These entities need it to send you money or collect payments you have authorized.
However, your account number alone is not enough for someone to drain your account or commit fraud. A thief would also need your routing number, and ideally your name and address, to set up an unauthorized transfer. Bank of America monitors accounts for suspicious activity and can reverse unauthorized transfers if you report them quickly.
Never share your account number with someone who contacts you unsolicited — by phone, email, or text — claiming to be from Bank of America or another company. Bank of America will never ask you to confirm your account number via email or text. If you are unsure whether a request is legitimate, hang up and call Bank of America directly using the number on the back of your card or statement.
Changing your account number
You cannot change your 10-digit account number while keeping the same account open. The account number is permanent for the life of that account. If you want a new account number, you must close the current account and open a new one.
Most people do not need to close an account just to get a new number. However, if you are concerned about fraud or if your account number has been compromised, contact Bank of America and ask about your options. The bank can sometimes issue a new debit card with a new card number (which is different from your account number) or help you monitor the account for suspicious activity.
If you close an account and open a new one, you will need to update your account number with anyone who has it on file — your employer for direct deposit, your billers for automatic payments, and any other services linked to that account.
Frequently Asked Questions
Is my Bank of America account number the same as my card number?
No. Your account number is 10 digits and identifies your bank account. Your card number is 16 digits and identifies the specific debit or credit card. They are separate. You can have multiple cards linked to one account, each with a different card number.
Can someone access my account with just my account number?
Not easily. Your account number alone is not enough to transfer money out or make unauthorized charges. A person would also need your routing number, your name, and possibly other information. Bank of America has fraud detection systems in place and can reverse unauthorized transfers if you report them within a reasonable timeframe.
What is the routing number and how is it different from my account number?
Your routing number is 9 digits and identifies which Bank of America location or processing center handles your account. Your account number is 10 digits and identifies your specific account. You need both numbers for direct deposit and wire transfers. The routing number for most Bank of America accounts is 026009593, but it can vary by region.
Where do I find my account number if I do not have checks?
Log into your Bank of America online account or mobile app — your account number appears on the account summary page. You can also call Bank of America customer service at the number on the back of your debit card, and they will provide it. Your monthly statement also lists your account number.
Do all Bank of America accounts have 10-digit account numbers?
Yes. Checking accounts, savings accounts, money market accounts, and lines of credit all use the same 10-digit format. The length does not change based on account type, age, or location.