Your account number is on your debit card, checks, and online banking
Your account number is a unique identifier for your specific checking or savings account at Bank of America. You need it to set up direct deposit, wire money, or give someone permission to deposit a check on your behalf. The fastest way to find it is to look at a check from your checkbook — the account number is printed at the bottom in the middle section, between two sets of numbers.
If you don't have checks handy, you can find your account number in three other places: on the back of your debit card (usually the last 12 digits), in your online banking dashboard, or by calling Bank of America's customer service line. Each method takes less than a minute.
Key Takeaways
- Your account number appears at the bottom center of any check you write, between the routing number and the check number.
- The last 12 digits of your debit card are your account number, printed on the back near the signature strip.
- You can log into your Bank of America online account or mobile app and find your account number on the account details page.
- Calling Bank of America at 1-800-432-1000 and speaking to a representative will give you your account number within seconds.
Finding your account number on a check
Look at the bottom of any check from your checkbook. You will see three separate groups of numbers printed in magnetic ink. The first group on the left is your routing number (nine digits), which tells the banking system which Bank of America branch handles your account. The middle group is your account number (usually 10 to 12 digits). The third group on the right is the check number.
Write down only the middle number — that is your account number. You will need this when you set up direct deposit with an employer, arrange a wire transfer, or authorize someone to deposit checks remotely on your phone.
Checking your debit card
Flip your Bank of America debit card over and look at the back. Near the signature strip, you will see a long number embossed or printed on the card. This is your full card number. Your account number is the last 12 digits of this number.
For example, if your card number is 4123 5678 9012 3456, your account number is 234123456 (the last 12 digits). This method works if you have your card with you but not your checkbook.
Logging into your online account
Go to bankofamerica.com and sign in with your username and password. Once you are logged in, look for "Accounts" or "Account Details" in the main menu. Click on the specific account (checking or savings) you need the number for.
Your account number will be displayed prominently on that page, usually near the top. You can also see it in the mobile app by tapping the account you want and looking for "Account Details" or "Account Information." This method is useful if you are already online and want to verify the number before giving it to someone.
Calling Bank of America customer service
Call 1-800-432-1000 from any phone. When prompted, say "account number" or press the number for account information. A representative will ask you to verify your identity by providing your Social Security number, date of birth, or answers to security questions you set up when you opened the account.
Once verified, they will read your account number to you. You can ask them to repeat it or spell it out if you want to write it down. This method is best if you have lost your card and checks and need the number right away.
What to do if you cannot find your account number
If you have recently opened your account and have not received checks yet, and you do not have your debit card, call customer service at 1-800-432-1000. They can provide your account number when ready after verifying your identity.
If you are trying to find the account number for a joint account or an account held by someone else, you will need to be listed as an authorized user on that account. Bank of America will not release account numbers to people who are not on the account, even if they are family members. The account holder or an authorized signer must call or visit a branch in person.
Why you need your account number and when to share it
Your account number is safe to share with employers (for direct deposit), your own bank (for transfers between your accounts), and trusted organizations like your utility company or insurance provider. These entities use it to deposit money into your account or pull payments from it with your permission.
Do not share your account number with people you do not know, and do not post it on social media or in public forums. Combined with your routing number, someone could potentially set up unauthorized transfers. If you think your account number has been compromised, call Bank of America when ready at 1-800-432-1000 and ask to speak with fraud prevention.
Frequently Asked Questions
Is my account number the same as my card number?
No. Your card number is the 16 digits on the front of your debit card. Your account number is the last 12 digits of that card number, or the middle set of digits on your checks. They are related but not identical.
Can I change my account number?
Bank of America does not allow you to change your account number. If you are concerned about fraud or unauthorized access, call 1-800-432-1000 and ask about closing the account and opening a new one. This will give you a new account number, but you will need to update direct deposit and automatic payments with your employer and creditors.
What is the difference between my account number and routing number?
Your routing number (nine digits) identifies which Bank of America location or processing center handles your account. Your account number (10 to 12 digits) identifies your specific account at that location. You need both together to receive wire transfers or set up direct deposit.
Do I need my account number to use my debit card at a store?
No. You only need your card number, expiration date, and CVV (the three-digit security code on the back) to make purchases in stores or online. Your account number is for banking transactions like direct deposit, wire transfers, and bill payments.
What if I see multiple account numbers in my online banking?
If you have more than one account with Bank of America (for example, a checking account and a savings account), each one has its own account number. Make sure you are looking at the correct account before sharing the number with an employer or service provider.