Where to find both numbers right now
Your account number and routing number are printed on the bottom left of every check you have. The routing number comes first (usually nine digits), then your account number (usually ten to twelve digits). If you have checks, that is the fastest place to look.
If you do not have checks or cannot find them, log into your bank's website or mobile app. Most banks show both numbers in a section called "Account Details," "Account Information," or sometimes under a menu labeled "Transfers" or "Move Money." The exact location varies by bank, but it is almost always one click or tap away from your main account view.
You can also call your bank's customer service number — it is on the back of your debit card or on your bank statements — and ask them to read both numbers to you over the phone. Have your account open and be ready to answer security questions.
Key Takeaways
- Your routing number and account number are printed on the bottom left of any check you have, in that order.
- You can find both numbers by logging into your bank's website or app and looking for "Account Details" or "Account Information."
- Your bank's customer service line can read both numbers to you over the phone after you verify your identity.
- The routing number identifies your specific bank branch; the account number identifies your specific account within that bank.
- You will need both numbers to set up direct deposit, wire transfers, or automatic bill payments.
Why banks ask for both numbers, not just one
The routing number tells the financial system which bank or credit union holds the money. Think of it as the address of the bank building. The account number tells that bank which specific account inside the bank is yours. Together, they work like a street address plus an apartment number — the address gets the mail to the building, and the apartment number gets it to the right door.
When you set up direct deposit at work, for example, your employer needs both numbers so their bank can send your paycheck to the right bank (routing number) and into the right account (account number). If you give only one, the transfer cannot happen.
Finding your routing number if you bank online only
Banks that exist only online — sometimes called neobanks or digital banks — do not issue paper checks by default, so you cannot look at a check. Instead, log into your app or website and search for "routing number" in the help section or account settings. Most online banks display it prominently because they know customers need it for direct deposit and transfers.
If you cannot find it in the app, call the bank's support line or use their chat feature. Online banks are usually faster to respond than traditional banks because customer service is their main channel. Have your account number ready when you contact them, since they will ask for it to pull up your information.
Some online banks use the same routing number for all customers, while others assign different routing numbers by region or account type. Either way, the bank will give you the exact number you need for your specific account.
What to do if you have multiple accounts at the same bank
Each account has its own account number, but they usually share the same routing number. If you have a checking account and a savings account at the same bank, both accounts use the bank's routing number, but each has a different account number.
When you set up a transfer or direct deposit, make sure you are using the account number for the account you want the money to go into. Using the wrong account number will send the money to the wrong place, even though the routing number is correct. Your bank can reverse the transfer, but it takes time.
Finding your routing number for wire transfers or bill pay
Some situations require your routing number: setting up automatic bill payments through your bank, sending a wire transfer, or receiving a direct deposit. In each case, you need the routing number for the bank where the money is going, not where it is coming from.
If you are sending money to someone else's account, ask them for their bank's routing number and their account number. If you are receiving money, give the person sending it your routing number and your account number. The routing number tells their bank where to send it; your account number tells your bank where to put it once it arrives.
Routing numbers for credit unions and smaller banks
Credit unions and smaller regional banks also have routing numbers, and you find them the same way: on a check, in your online account, or by calling customer service. The routing number system works the same regardless of bank size.
If you are a member of a credit union, the routing number is sometimes called the "transit number" or "ABA number," but it serves the same purpose. Your credit union's website or app will have it clearly labeled, usually near your account number.
Keeping your numbers safe
Your routing number is public information — it is printed on every check and is the same for all customers at your bank. You do not need to keep it secret. Your account number is more sensitive because it identifies your specific account, but it is not as sensitive as your PIN or password.
Never share your account number or routing number with someone you do not trust, and never enter them on a website unless you initiated the contact and you are certain the website is legitimate. Scammers sometimes pose as banks and ask for these numbers to steal money, so if someone calls you asking for them, hang up and call your bank directly using the number on your debit card or statement.
Frequently Asked Questions
Is my routing number the same as my bank's main routing number?
Usually yes, but not always. Some large banks have multiple routing numbers for different regions or account types. Your check or online account shows the routing number for your specific account. When in doubt, use the number from your check or your online account rather than a number you find on the bank's main website.
Can I use someone else's routing number if we bank at the same bank?
Yes. If you and a friend both bank at the same bank, you share the same routing number. But you must use your own account number, not theirs. Using their account number would send your money into their account by mistake.
What if my bank does not show the routing number in the app?
Call customer service or use the bank's chat feature. Every bank has a routing number — it is required by law — but not all banks display it prominently in their apps. Customer service can read it to you in under a minute.
Do I need both numbers for online bill pay through my bank?
No. When you pay a bill through your bank's website, the bank already knows your account number and routing number. You only need to enter the account number and routing number of the person or business you are paying. Your bank handles the rest.
What if I lose a check before I can write down the numbers?
Log into your online account or call customer service. You do not need a physical check to find your numbers — the check is just the easiest place to look. Your bank can provide them when ready through any channel.