Bank of America account numbers have 10 digits
A 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 dashboard, 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 and is separate from your routing number, which identifies the bank branch itself.
When you're setting up a transfer, paying a bill, or giving someone your account details for a direct deposit, you need only those 10 digits. Bank of America does not use letters or special characters in account numbers—only numbers.
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, in online banking, on statements, or by calling customer service.
- Your account number is different from your routing number; the routing number identifies the bank branch, not your individual account.
- When setting up transfers or direct deposits, use only the 10-digit account number unless the form specifically asks for additional information.
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'll see three sets of numbers. The first set (usually 9 digits) is the routing number. The second set (10 digits) is your account number. The third set is the check number itself.
If you don't have checks handy, log into your Bank of America online banking account or mobile app. Your account number appears on the account summary page, usually near the account name and balance. You can also find it on any statement you've received by mail—the account number is printed at the top of the page.
If you need your account number immediately and don't have online access, call Bank of America customer service at 1-800-432-1000. Have your Social Security number and photo ID information ready, as they'll verify your identity before providing it.
Why account numbers are always 10 digits
Bank of America standardized its account numbers at 10 digits to create a consistent format across all customer accounts. This length allows the bank to issue millions of unique account numbers without running out of combinations. The 10-digit format also works with the automated clearing house (ACH) system that processes transfers between banks, which expects account numbers within a certain character range.
Other banks may use different lengths—some use 8 digits, others use 12 or more—but within Bank of America, 10 digits is the standard for all account types, whether checking, savings, or money market accounts.
Account number vs. routing number: what's the difference
Your routing number and account number serve different purposes. The routing number (9 digits for Bank of America) identifies which bank and which branch holds your account. The account number (10 digits) identifies your specific account within that bank. Together, they tell the financial system exactly where your money is.
When you set up a direct deposit with your employer, you typically provide both numbers. When you're sending money to someone else's Bank of America account, you need their account number and their routing number. If you're transferring money between your own Bank of America accounts, you usually only need the account number because the routing number is already known to the system.
What to do if you can't find your account number
If you've lost access to your checks and statements and can't log into online banking, contact Bank of America directly. Call 1-800-432-1000 and have your Social Security number, date of birth, and a form of photo ID ready. The bank will verify your identity and provide your account number over the phone.
If you're locked out of your online account, use the "Forgot Username or Password" option on the Bank of America website to reset your access. Once you're back in, your account number will be visible on the dashboard. If you're having trouble resetting your password, customer service can help you regain access.
Using your account number safely
Your account number is not secret in the same way your password is, but you should still be cautious about who you share it with. Legitimate businesses—your employer, your landlord, your utility company—may need it for direct deposits or automatic payments. Only provide it to organizations you trust and that have a clear reason to request it.
Never share your account number via email or text message unless you initiated the contact and you're certain you're communicating with a legitimate business. If someone calls you asking for your account number, hang up and call the organization directly using a phone number from their official website or your statement. Scammers sometimes pose as banks or service providers to collect account information.
Frequently Asked Questions
Can I change my Bank of America account number?
No, you cannot change your account number. It's permanently assigned to your account when you open it. If you want a different account number, you would need to close your current account and open a new one, though the new account would be assigned a different number automatically.
Do all Bank of America accounts have 10-digit numbers?
Yes, all Bank of America checking, savings, money market, and other deposit accounts use 10-digit account numbers. Credit card accounts use a different numbering system (typically 16 digits for the card number itself), but your underlying Bank of America deposit account number is always 10 digits.
What if I provide the wrong account number for a transfer?
If you enter an incorrect 10-digit account number, the transfer may be rejected by the receiving bank if that number doesn't exist in their system. If the number happens to belong to another real account, the money could be sent to the wrong person. Always double-check the account number before confirming any transfer.
Is my account number the same as my debit card number?
No, they are different. Your debit card number (16 digits) is printed on the front of your card and is used for purchases and ATM withdrawals. Your account number (10 digits) is separate and is used for transfers, direct deposits, and bill payments. You can have the same account number for years even if you get a new debit card.