Bank of America account numbers are 10 digits long
Your Bank of America account number is always 10 digits. You will see it on checks, statements, and in your online banking portal. It appears after the routing number on the bottom left of a check, and it is the number you use when setting up direct deposit, wire transfers, or automatic payments.
The 10-digit format is standard across Bank of America's consumer accounts — checking, savings, and money market accounts all follow this same length. This differs from some other banks, which may use 8, 9, 11, or 12 digits, so it is important to confirm the exact number when you are moving money between institutions.
Key Takeaways
- Bank of America account numbers are always 10 digits long, regardless of account type.
- You can find your account number on the bottom left of your checks, on your monthly statement, or by logging into your online banking account.
- The account number appears after the routing number on checks and is separate from your debit card number.
- When providing your account number for transfers or direct deposit, confirm you are giving all 10 digits to avoid payment delays or errors.
Where to locate your 10-digit account number
The easiest place to find your account number is on a check from your checkbook. Look at the bottom of the check: you will see three sets of numbers. The first set (usually 9 digits) is the routing number, the second set (10 digits) is your account number, and the third is the check number. The account number is always in the middle.
If you do not have checks, log into your Bank of America online banking account or mobile app. Your account number appears at the top of your account summary page, often labeled as "Account Number" or "Account #". You can also call Bank of America customer service at 1-800-432-1000 and provide your Social Security number and other identifying information to confirm your account number over the phone.
Your monthly statement also displays your account number, usually near the top of the first page. If you receive paper statements, this is printed on every statement you get. Digital statements show the same information in your online portal.
Account number versus other numbers on your account
Your 10-digit account number is different from your debit card number, which is 16 digits. It is also different from your routing number, which is 9 digits and identifies the specific Bank of America branch or processing center where your account is held. When someone asks for your account number, they are asking for the 10-digit number only — not your card number or routing number.
Your Social Security number, PIN, and online password are separate security credentials and should never be shared when you are providing your account number for legitimate transfers or direct deposit setup. Bank of America will never ask for your full Social Security number or password via email or text message.
Using your account number for transfers and direct deposit
When you set up direct deposit with an employer or government agency, you will need to provide both your routing number and your 10-digit account number. The routing number tells the sending bank where to send the money; the account number tells Bank of America which account within the bank should receive it. Both numbers are required for the transfer to reach the correct place.
If you are sending money to someone else's Bank of America account, you will also need their routing number and their 10-digit account number. Wire transfers, ACH transfers, and external transfers all require this pair of numbers. Double-check both numbers before confirming the transfer, because sending money to the wrong account number can delay the payment or send it to the wrong person entirely.
What happens if you provide the wrong account number
If you give an incorrect account number when setting up a transfer or direct deposit, the money may be sent to a different Bank of America customer's account, returned to the sender, or held in a suspense account while the bank investigates. The process to recover misdirected funds can take several weeks.
If you realize you have provided the wrong account number, contact Bank of America immediately. If the transfer has not yet been processed, the bank may be able to stop it. If it has already gone through, you will need to file a claim and provide documentation of the error. This is why confirming all 10 digits before submitting any transfer is worth the extra 30 seconds.
Keeping your account number secure
Your account number is less sensitive than your PIN or online password, but it should still be treated with care. It is safe to share your account number and routing number with your employer for direct deposit, with your bank for wire transfers, or with trusted businesses for bill payments. However, do not share it in response to unsolicited emails, texts, or phone calls claiming to be from Bank of America.
Bank of America will never ask you to confirm your account number via email or unsolicited phone call. If someone contacts you claiming to be from the bank and asks for your account number, hang up or delete the message and call Bank of America directly at the number on the back of your debit card or on your statement.
Frequently Asked Questions
Is my Bank of America account number the same as my debit card number?
No. Your account number is 10 digits and identifies your specific account at the bank. Your debit card number is 16 digits and is tied to your card itself. You can have the same account number for years, but if you request a new debit card, you will get a new card number.
Can I use my account number to check my balance or log into online banking?
No. You use your username and password or your online ID to log into Bank of America's website or app. Your account number is only used for transfers, direct deposit, and wire transfers. Your PIN is used at ATMs and when calling customer service.
What is the routing number, and how is it different from my account number?
Your routing number is 9 digits and identifies which Bank of America location or processing center handles your account. Your account number is 10 digits and identifies your specific account within the bank. Both are needed together for transfers and direct deposit.
Do all Bank of America accounts have 10-digit account numbers?
Yes. All Bank of America consumer checking, savings, and money market accounts use 10-digit account numbers. Business accounts may have different formats, so if you have a business account, confirm the length with your account representative.
What should I do if I forget my account number?
Log into your online banking account, check a recent statement or check, or call Bank of America at 1-800-432-1000. You will need to verify your identity with your Social Security number and other information before the bank confirms your account number over the phone.