Your account number is on your debit card, checks, and online banking
Your Bank of America account number is a 10-digit code that identifies your specific checking or savings account. You can find it in four places without calling the bank: on the front of your debit card, on the bottom left of any check you have, in your online banking dashboard, or on your monthly statement.
The fastest route is your debit card. Look at the raised numbers on the front—the longest sequence is your card number, but just below it you'll see a shorter set of digits. That shorter number is your account number. If you don't have your card handy, any check from that account works the same way: the account number appears at the bottom of the check, in the middle section between two sets of routing numbers.
If you've lost your card and don't have checks, log into your Bank of America online account or mobile app. Your account number appears on the account summary page, usually labeled as "Account Number" or "Acct #" next to your account type.
Key Takeaways
- Your account number is a 10-digit code printed on your debit card, checks, and visible in your online banking dashboard.
- The debit card method is fastest: look for the shorter number sequence printed below the raised card number on the front.
- Checks show your account number at the bottom center, between the routing number on the left and check number on the right.
- You can also find it by logging into your Bank of America online account or mobile app under account details.
Reading your debit card
The front of your Bank of America debit card shows multiple number sequences, and it's straightforward to grab the wrong one. The raised numbers across the middle are your card number (16 digits). Below those, printed flat (not raised), is a shorter sequence—usually 10 digits. That flat-printed number is your account number.
The back of the card shows a three-digit security code (CVV) and an expiration date, but not your account number. If your card is damaged or the numbers are worn, you won't be able to read it clearly—in that case, use a check or your online account instead.
Finding it on a check
Every check from your Bank of America account prints three separate number sequences at the bottom in magnetic ink. From left to right: the routing number (9 digits), your account number (10 digits), and the check number (4 digits). Your account number is always the middle sequence.
The routing number identifies Bank of America itself and the specific branch or processing center. Your account number identifies your account within the bank. If you're writing down these numbers, make sure you copy the middle sequence—that's the one you need for direct deposit, wire transfers, or when a business asks for your account number.
Logging into online banking
Open Bank of America's website or mobile app and sign in with your username and password. Once you're logged in, your account summary appears automatically. Look for a section labeled "Accounts" or "Account Details"—your account number is listed there next to your account type (Checking, Savings, Money Market, etc.).
If you have multiple accounts with Bank of America, each one has its own 10-digit account number. The online dashboard shows all of them, so you can identify which number belongs to which account. This method works even if you don't have your card or checks nearby.
What to do if you can't find it
If your debit card is lost or stolen, your checks are old or illegible, and you can't access your online account, you'll need to contact Bank of America directly. Call the number on the back of any Bank of America card you have, or call 1-800-432-1000 for customer service. Have your Social Security number and a form of ID ready—the bank will verify your identity before giving you your account number.
You can also visit a Bank of America branch in person with a photo ID. A teller can print your account number for you on the spot. This is useful if you need the number when ready and don't want to wait on the phone.
Why you need your account number
Your account number is required for direct deposit (paychecks, tax refunds, government payments), setting up automatic bill payments, wire transfers, and when you're giving banking information to an employer, landlord, or financial institution. It's different from your card number—your card number is for purchases and ATM withdrawals, while your account number is for moving money between accounts or institutions.
Keep your account number separate from your card number. If someone has your card number, they can't access your bank account without additional information. Your account number alone also doesn't pose a major security risk—most transactions require additional verification. However, don't share it casually or post it online.
Account numbers for different account types
Whether you have a checking account, savings account, money market account, or certificate of deposit (CD) with Bank of America, each one has its own unique 10-digit account number. If you have three accounts, you have three different account numbers. This matters when you're setting up direct deposit or transfers—you need to specify which account the money should go into.
Your debit card is linked to one specific account (usually your checking account). If you need the account number for a different account, use your online banking dashboard or call the bank. The checks you have are also linked to a specific account, so if you have multiple checking accounts, make sure you're reading the number from the right checkbook.
Frequently Asked Questions
Is my account number the same as my routing number?
No. Your routing number (9 digits) identifies Bank of America and the specific processing center. Your account number (10 digits) identifies your individual account. Both appear on checks, but in different positions. You need both for wire transfers and direct deposit.
Can someone access my account if they have my account number?
Not without additional information. Your account number alone doesn't let someone log in, make purchases, or withdraw money. They would also need your password, PIN, or other verification. However, don't share it unnecessarily—only provide it to trusted institutions like your employer or the IRS.
What if the numbers on my debit card are worn off?
Use a check from the same account, log into your online banking, or contact Bank of America. You can also request a replacement debit card, which will have the same account number printed clearly. Replacement cards usually arrive within 7 to 10 business days.
Do I need my account number to use my debit card at a store?
No. You only need your card number (the 16-digit number on the front), expiration date, and CVV (the three-digit code on the back). Your account number is for bank-to-bank transfers, direct deposit, and bill payments, not for everyday card purchases.
Will my account number change if I close and reopen an account?
Yes. If you close an account and open a new one, you'll receive a new account number. Bank of America does not reuse account numbers, so the old number is permanently retired. Update any automatic payments or direct deposit instructions with your new account number.