Where to find your savings account number
Your Bank of America savings account number appears in four places: your debit card, your monthly statement, the Bank of America mobile app, and online banking. The fastest route is your debit card — the account number is printed on the front, usually a 10-digit sequence after the bank routing number. If you do not have your card handy, log into your Bank of America account online or open the mobile app, go to Accounts, select your savings account, and the full number displays at the top of that account's page.
Paper statements show your account number in the upper right corner, next to your account type. If you receive statements by mail, this is printed on every page. If you switched to paperless statements, you can still download past statements from your online banking dashboard under Documents or Statements — the account number will be there.
When you call Bank of America customer service at 1-800-432-1000, a representative can read your account number to you after you verify your identity. This route takes longer than checking your card or app, but it works if you have lost access to all other sources.
Key Takeaways
- Your savings account number is a 10-digit code printed on the front of your debit card, usually positioned after the routing number.
- Bank of America's mobile app and online banking portal both display your full account number when you select your savings account from the Accounts menu.
- Monthly statements — whether paper or digital — print your account number in the upper right corner of the first page.
- If you cannot locate your account number through these methods, Bank of America customer service can provide it over the phone after identity verification.
Using your account number for transfers and payments
Your account number is required when you set up external transfers — moving money to or from another bank. When you initiate an ACH transfer through Bank of America's online banking or app, you will enter your own account number as the source or destination, depending on the direction of the transfer. The system uses this number to route the money to the correct account within Bank of America's system.
If someone outside Bank of America needs to send you money directly, they will ask for your account number and Bank of America's routing number (which is 026009593 for most Bank of America accounts). Together, these two numbers form what is called your banking details or account information. Never share your full account number with someone you do not trust, even though it is not as sensitive as your PIN or online password.
Difference between account number and routing number
Your routing number identifies Bank of America as the institution — it is the same for all Bank of America customers in most regions. Your account number identifies your specific savings account within Bank of America. Think of the routing number as the bank's address and the account number as your mailbox number inside that bank.
When you set up direct deposit for a paycheck or receive a wire transfer, you provide both numbers. The routing number tells the sending bank where to send the money, and the account number tells Bank of America which of its millions of accounts should receive it. If you provide only one or provide them in the wrong order, the transfer will fail or go to the wrong account.
What to do if you cannot find your account number
If your debit card is lost or damaged and you do not have access to online banking, call Bank of America at 1-800-432-1000. Have your Social Security number, date of birth, and a form of ID ready. The representative will verify your identity and read your account number to you. This process usually takes five to ten minutes.
If you have forgotten your online banking password, use the "Forgot username or password?" link on the Bank of America login page to reset it. You will need access to the email address or phone number associated with your account. Once you regain access, your account number is visible immediately in the Accounts section.
If you believe your account number has been compromised or used fraudulently, contact Bank of America immediately at 1-800-432-1000 or visit a local branch. Bank of America can issue you a new debit card with a new account number, though this process takes five to seven business days for the card to arrive by mail.
Account number format and what the digits mean
Bank of America savings account numbers are 10 digits long. The number itself does not encode information about your account type, branch, or balance — it is simply a unique identifier assigned to your account when you open it. The first few digits do not indicate whether the account is a savings account, checking account, or money market account; you must know which type you opened.
Do not assume that similar-looking account numbers belong to related accounts. If you have both a checking and savings account with Bank of America, each has its own separate 10-digit number. When you transfer money between them, you must use the correct account number for each one, or the transfer will go to the wrong place.
Protecting your account number
Your account number is less sensitive than your PIN, password, or Social Security number, but it should still be treated as private information. Someone with your account number and routing number can initiate an ACH transfer out of your account, though Bank of America's fraud detection usually catches unauthorized transfers within one to two business days.
Never text, email, or share your account number with someone who contacted you first, even if they claim to be from Bank of America. Bank of America will never ask for your account number, password, or PIN by phone, email, or text. If you receive such a request, it is a scam — hang up or delete the message and contact Bank of America directly using the number on your debit card or statement.
If you believe your account number has been shared with someone unauthorized, you do not need to close your account. Instead, contact Bank of America to report the incident. They can monitor your account for suspicious activity and issue you a new debit card if needed.
Frequently Asked Questions
Is my account number the same as my debit card number?
No. Your debit card number and account number are different. The debit card number is printed on the front of your card and is used for purchases and ATM withdrawals. Your account number is a separate 10-digit code also printed on the card. Both appear on your card, but they serve different purposes.
Can I change my account number?
Bank of America does not allow you to request a new account number for an active savings account. If your account number has been compromised, contact Bank of America to report it. They can close the account and open a new one with a different number if necessary, though this is rare and usually only done in cases of confirmed fraud.
What if I give my account number to someone and they misuse it?
Contact Bank of America immediately at 1-800-432-1000 and report the unauthorized transfer. Bank of America's fraud protection typically covers unauthorized ACH transfers, and the bank will investigate and reverse the transaction if it is confirmed as fraudulent. Provide the date, amount, and recipient details of the transfer.
Do I need my account number to check my balance?
No. You can check your balance by logging into online banking or the mobile app using only your username and password. You can also call 1-800-432-1000 and use the automated system to check your balance without speaking to a representative. Your account number is only needed when you are sending or receiving money.
Where is the routing number on my debit card?
Bank of America's routing number (026009593) is not printed on your debit card. You will find it on your monthly statement, in your online banking account under account details, or by calling Bank of America customer service. When you need both numbers for a transfer, you will provide the routing number separately from your account number.