Your account number is the second set of numbers printed on the bottom left of your check, between the routing number and the check number

Bank of America checks have three separate numbers printed along the bottom in magnetic ink. From left to right, you'll see the routing number (nine digits), then your account number (typically 10 digits), then the check number (usually four to five digits). The account number is the middle set and identifies your specific checking account within Bank of America's system.

You need this number when you're setting up direct deposit, arranging automatic bill payments, or receiving wire transfers. It's also what you provide when someone asks for your account details to deposit money into your account. The account number stays the same for the life of your account, even if you order new checks.

Key Takeaways

  • Your Bank of America account number appears as the middle set of digits on the bottom of any check, between the routing number and check number.
  • The account number is typically 10 digits long and identifies your specific checking account.
  • You can also find your account number on your debit card, in the Bank of America mobile app, or by calling customer service.
  • Never share your full account number with anyone unless you initiated the transaction or trust the recipient completely.

How to read the numbers at the bottom of your check

The magnetic ink line at the bottom of your check follows a standard format used by all U.S. banks. It starts with a colon, then the nine-digit routing number, another colon, then your account number, another colon, and finally the check number. The routing number (for Bank of America it's usually 026009593 for most regions, though it varies by state) tells the banking system which bank to send the check to. Your account number tells that bank which account within Bank of America to pull the money from.

If you're having trouble spotting the numbers, look at the very bottom of the check. The numbers are printed in a special font designed to be read by check-processing machines. They're darker and slightly raised compared to the printed text above them. The account number will always be in the middle of the three number groups.

Other places to find your account number

You don't have to dig out a check every time you need your account number. Bank of America displays it in several places. Open the mobile app, tap the account you want, and look for "Account Details" or a similar option—your account number will be listed there. You can also log into your online banking account at bankofamerica.com, select your checking account, and find the account number in the account information section.

Your debit card also carries your account number, though it's not printed on the front. Call Bank of America customer service at 1-800-432-1000 and a representative can read it to you over the phone. You'll need to verify your identity first. This is the fastest option if you need the number right now and don't have a check or access to your phone or computer.

Why the order matters when you're giving out your account number

When someone asks for your account number to set up a transfer or deposit, they're asking for just that middle set of digits—not the routing number or check number. Some people mistakenly give out all three numbers, which can cause confusion or delays. The routing number is public information (it's the same for all Bank of America customers in your region), but your account number is what makes the transaction specific to you.

If you're setting up direct deposit at a new job, for example, you'll typically provide both your routing number and account number together. But if someone is asking for "your account number," they mean only the middle set. Double-check what they're asking for before you write anything down or read it over the phone.

Protecting your account number from fraud

Your account number is sensitive information. Someone with your account number and routing number can potentially set up unauthorized transfers or payments from your account. Never share your account number in an email, text message, or over the phone unless you initiated the contact or you're absolutely certain the recipient is legitimate.

Bank of America will never ask you for your account number via email or unsolicited phone call. If someone claiming to be from the bank contacts you asking for this information, hang up and call the number on the back of your debit card or the official Bank of America number to verify. Scammers often pose as banks and use urgency ("We need to verify your account right now") to pressure you into giving out details.

What to do if you can't find your account number on a check

Older checks or checks from closed accounts may not print clearly, or the magnetic ink may have faded. If the numbers at the bottom of your check are illegible, don't try to guess or estimate. Contact Bank of America directly through the mobile app, online banking, or by phone. A representative can confirm your account number in seconds once you've verified your identity.

If you've ordered new checks and they haven't arrived yet, use the mobile app or online banking to find your account number. You don't need to wait for the physical checks to arrive. If you're switching from another bank and need your Bank of America account number before your first check arrives, the app and online portal are your fastest options.

Frequently Asked Questions

Is my account number the same as my routing number?

No. Your routing number (nine digits) identifies Bank of America and your region. Your account number (typically 10 digits) identifies your specific account within the bank. Both appear on your check, but they serve different purposes in processing transactions.

Can someone access my account with just my account number?

They would need both your account number and routing number to set up a transfer, but not your PIN or password. This is why you should protect your account number like you would your debit card. Never share it in unsecured emails or with people you don't trust.

Why do some Bank of America checks have different account numbers?

If you have multiple checking accounts with Bank of America, each one has its own account number. The checks for each account will print that account's specific number. Make sure you're using checks from the correct account for the payment you're making.

What if my check number and account number look the same length?

Check numbers are usually shorter (four to five digits) and appear on the right side of the bottom line. Account numbers are longer (typically 10 digits) and appear in the middle. If you're unsure, count the digits: the middle set of longer numbers is your account number.