Your account number is on your debit card, checks, and online banking
Your Bank of America account number is a unique identifier for your specific account. You can find it in four places without calling the bank: on the front or back of your debit card, on the bottom left of any check you write, in your online banking dashboard, or in the Bank of America mobile app. The account number is typically 10 digits long, though it may appear with additional routing or check numbers nearby.
The fastest route is your debit card. Flip it over and look at the raised numbers on the back—the account number usually appears there, sometimes printed below the card number itself. If you do not have your card handy, a check works just as well: the account number is the middle set of numbers at the bottom of the check, between the routing number on the left and the check number on the right.
Key Takeaways
- Your Bank of America account number appears on your debit card, checks, online banking portal, and mobile app without requiring a phone call.
- On a check, the account number is the middle set of numbers at the bottom, between the routing number and check number.
- If you need the account number for a wire transfer or bill payment setup, the online banking dashboard shows it clearly labeled.
- The account number alone does not give someone access to your account—they also need your routing number and PIN or password.
Finding your account number in online banking
Log into your Bank of America account at bankofamerica.com or through the mobile app. Once you are signed in, your account number appears on the main dashboard or account summary page, usually labeled as "Account Number" next to your account type (checking, savings, or money market).
If you do not see it immediately on the home screen, click on the specific account you need the number for. The account details page will display the full 10-digit number. You can also find it under account settings or account information, depending on which version of the website or app you are using. Take a screenshot or write it down if you need it for a payment or transfer outside of Bank of America.
What the numbers on your debit card mean
Your Bank of America debit card has multiple numbers, and it is important to know which one is your account number. The long number on the front (usually 16 digits) is your card number, not your account number. The account number is shorter—typically 10 digits—and appears on the back of the card or sometimes printed below the card number on the front.
The routing number (a 9-digit code) is different from both. You will need the routing number for wire transfers and direct deposit setup, but for most bill payments and transfers within Bank of America, only the account number is required. If you are unsure which number is which, the back of your card or your monthly statement will label them clearly.
Reading your check for the account number
Every Bank of America check has three sets of numbers printed at the bottom in magnetic ink. From left to right, they are: the routing number (9 digits), the account number (10 digits), and the check number (4 to 5 digits). The account number is always in the middle.
This layout is standard across all U.S. banks, so if you ever need to give someone your account and routing numbers for a payment or transfer, you can read them directly from a check. Keep at least one check in a safe place for this reason, even if you rarely write checks anymore.
When you need your account number for payments and transfers
You will need your account number when setting up automatic bill payments, arranging direct deposit from your employer, or receiving a wire transfer from another bank. Bank of America will ask for it during the setup process, and you should have it ready to avoid delays.
For transfers between your own Bank of America accounts, you often do not need the account number at all—the app or website will show your accounts by name and let you select the one you want. But for payments to external accounts or businesses, the account number is required so the money goes to the correct place.
Security: what someone can do with just your account number
Your account number alone is not enough for someone to access your account or move money out of it. They would also need your routing number, PIN, password, or other verification. However, you should still keep your account number private when possible, especially online.
If you give your account and routing numbers to a business for a bill payment or direct deposit, that is normal and safe—those numbers are designed to be shared. But do not post them on social media or share them with someone you do not trust. If you suspect fraud or unauthorized access, contact Bank of America immediately at the number on the back of your debit card.
If you cannot find your account number
If you do not have access to a debit card or checks, your monthly statement shows your account number at the top. You can also log into online banking and find it on the account summary page. If you have lost access to your online login, call Bank of America at 1-800-432-1000 (the number on the back of any Bank of America card or in your statement) and a representative can confirm your identity and provide the number over the phone.
Bank of America also offers a way to view your account information through the mobile app even if you have not logged in recently. Download the app, select "Forgot Password," and follow the identity verification steps. Once you regain access, your account number will be visible immediately.
Frequently Asked Questions
Is my account number the same as my card number?
No. Your card number is the 16-digit number on the front of your debit card. Your account number is 10 digits and appears on the back of the card, on your checks, or in online banking. They are different identifiers for different purposes.
Can I use my account number to make a purchase online?
No. Online purchases require your card number, expiration date, and CVV (the 3-digit code on the back). Your account number is used for bank-to-bank transfers and bill payments, not retail transactions.
What if I have multiple Bank of America accounts?
Each account has its own unique 10-digit account number. If you have a checking and savings account, they will have different numbers. Log into online banking or check your statements to see which number belongs to which account.
Do I need my routing number too?
For most Bank of America transfers and payments, you only need the account number. For wire transfers or direct deposit from outside Bank of America, you will need both the routing number (9 digits) and the account number. Bank of America's routing number is 121000248 for most locations.
What should I do if I think someone has my account number?
Contact Bank of America immediately at 1-800-432-1000. An account number alone cannot be used to drain your account, but if you suspect fraud or unauthorized activity, the bank can monitor your account and help you secure it.