Bank of America account numbers have 10 digits

A Bank of America checking or savings account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, on your debit card statements, or by calling customer service at 1-800-432-1000.

The 10-digit number is unique to your specific account. It works alongside your routing number (which identifies Bank of America itself) to make sure money goes to the right place when you receive deposits or set up payments. If you're setting up direct deposit, transferring money between banks, or paying a bill by check, you'll need both numbers.

Key Takeaways

  • Bank of America account numbers are always 10 digits, whether you have a checking account, savings account, or money market account.
  • Your account number appears on the bottom left of your checks, in the online banking dashboard, and on statements.
  • You need both your 10-digit account number and Bank of America's routing number (011000015 for most accounts) to complete transfers or set up direct deposit.
  • Never share your full account number with anyone who contacts you unsolicited, even if they claim to be from Bank of America.

Where to find your 10-digit account number

The easiest place to locate your account number is on a check. Look at the bottom of the check: you'll see three sets of numbers separated by colons or special symbols. The middle set is your 10-digit account number. The first set (usually 9 digits) is Bank of America's routing number, and the third set is your check number.

If you don't have checks handy, log into your Bank of America online banking account or mobile app. Your account number appears in the account summary section, usually near the top of the page. You can also find it on any statement you've received by mail. Call 1-800-432-1000 and speak with a representative if you need your account number read to you over the phone—they'll verify your identity first.

Why you need both the account number and routing number

Your 10-digit account number identifies your specific account at Bank of America. The routing number (011000015 for most Bank of America locations) identifies the bank itself. Together, they form a complete address for your money.

When you set up direct deposit with an employer, the employer needs both numbers to deposit your paycheck into the right account. If you're transferring money to another bank, you'll provide both numbers to ensure the transfer lands in your account, not someone else's. The same applies when you're paying a bill online or writing a check—the routing number tells the system which bank to contact, and the account number tells that bank which account to use.

Account numbers for different Bank of America account types

Whether you have a checking account, savings account, money market account, or certificate of deposit (CD) with Bank of America, each one gets its own unique 10-digit account number. If you hold multiple accounts, each has a different number, even though they're all at the same bank and may share the same routing number.

This matters when you're moving money between your own accounts or setting up automatic transfers. You need to use the correct 10-digit number for the specific account you want the money to go to. Your online banking dashboard lists all your accounts with their individual numbers, so you can reference them when needed.

Security: protecting your account number

Your account number is semi-public information—it appears on checks you hand to merchants and on statements you may leave lying around. However, you should still treat it with care. Never share your full account number with someone who calls or emails you unsolicited, even if they claim to represent Bank of America.

Bank of America will never ask for your full account number via email or unsolicited phone call. If someone contacts you claiming to be from the bank and asking for account details, hang up and call the official Bank of America number (1-800-432-1000) yourself. Scammers sometimes use spoofed phone numbers to make fraudulent calls look legitimate. When in doubt, initiate the call yourself using a number you know is correct.

What happens if you forget your account number

Forgetting your account number is not a problem. You have several ways to recover it without visiting a branch. Log into your online banking account, where it displays prominently. Check any recent statement or piece of mail from Bank of America. Look at a blank check if you have one. Call customer service at 1-800-432-1000 and verify your identity—they'll provide the number immediately.

If you need your account number urgently and can't access any of these options, you can visit a Bank of America branch in person with a photo ID. A teller can look up your account and provide the number on the spot. There's no penalty or fee for asking.

Frequently Asked Questions

Can I change my Bank of America account number?

No, your account number is permanent and cannot be changed. If you close an account and open a new one, you'll receive a new account number. If you want to keep the same account, the number stays the same for the life of that account.

Is my 10-digit account number the same across all Bank of America branches?

Yes. Your account number is the same whether you visit a Bank of America branch in California or New York. The account number identifies your specific account in Bank of America's system, not a particular location.

Do I need my account number to check my balance?

No. You can check your balance by logging into online banking with your username and password, calling 1-800-432-1000 and verifying your identity, or visiting a branch with your ID. You don't need to provide your account number for these actions.

What's the difference between my account number and my debit card number?

Your 10-digit account number identifies your bank account. Your debit card number is a separate 16-digit number printed on the front of your card. They're linked to the same account, but they're different numbers used for different purposes. Your debit card number is for purchases and ATM withdrawals; your account number is for transfers and direct deposits.