Banking » Guides » How To Find Bank Account Number? Step By Step Guide
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

How To Find Bank Account Number? Step By Step Guide

You can find a bank account number on a check, bank statements, bank website or app and the ultimate solution - by contacting your bank
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: March 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: March 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table Of Content

What Is Your Bank Account Number?

Bank account numbers can help identify a specific bank institution or bank account.

Bank account numbers are unique numbers assigned to account holders once a consumer has a bank account. Bank account numbers are significant for both banks and account holders.

Ultimately, it identifies which account to withdraw money from or which account to deposit the money into. It is typically used for transactions through checks, account transfers, direct deposits, and direct payments.

Bank account numbers typically consist of eight to twelve digits. However, some accounts could be up to 17 digits. These numbers are entirely randomized and are unique to each person. Furthermore, you cannot choose the numbers, they are picked for you.

Where Can I Find My Bank Account Number

Despite what many people may think, finding your bank account number is a relatively simple process that is similar across almost all financial institutions.

1. Check

If you have a checkbook, you are able to locate your account number right on the check. There are a few series of numbers on the bottom of the check.

The bottom left would refer to the routing number, the second set of numbers would refer to your account number.

bank account number on check

2. Bank Statements

Each bank statement you receive will have your account number. This will be the case whether you receive an online or hard copy statement.

The account number is typically located at the top of the document on the left or right hand side. Either way, the number will be labeled as “account number”.

3. Banking Website or Bank Application

When online, navigate the website to select a summary of your account. The account number is typically listed within the summary of your account.

4. Contact Your Bank

If you are unable to find your account number in the previous three options, you could always call the number on the back of your debit/credit card or find their customer service number online.

With this option, you must provide your name, address, and social security number in order to verify your identity.

Bank/Institution
Customer Service Number
Chase
1-800-935-9935
Capital One
1-877-383-4802
Bank of America
1-800-432-1000
PNC Bank
1-888-762-2265
Wells Fargo
1-800-869-3557
Citibank
1-800-374-9700
Discover
1-800-347-2683
US Bank
1-800-872-2657
TD Bank
1-888-751-9000
PenFED
1-800-247-5626
Alliant Credit Union
1-800-328-1935
Citizens Bank
1-800-922-9999
Ally Bank
1-877-247-2559

Bank Account Number vs. Routing Number

Despite both dealing with bank accounts, there are a few distinctions that separate a bank account from a routing number.

The bank account number identifies the bank account within the financial institution. This could be associated with a checking account or savings account.

Depending on the bank institution, each account will have specific guidelines for how often you may deposit or withdraw from the account, how much you are earning while the money is in the account, and what the minimum amount of money must be in the account for it to be active.

Each of these separate bank accounts would have a unique bank account number different from one another even though they all belong to the same person.

 The routing number is used to identify the specific bank or Credit Union. The routing number is made up of nine digits, which identifies the financial institution.

Account holders will only have one routing number per account instead of bank account numbers.

Top Offers From Our Partners

UpgradeLogo

Savings Rate: 5.21% APY
Minimum Deposit:
$0
 
CIT-Bank-Logo
Savings Rate: 5.05% APY
Minimum Deposit:
$5,000
Quontic bank logo
Savings Rate: 4.50% APY
Minimum Deposit:
$100
 
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Bank Account Number vs SWIFT Code

While both the IBAN and SWIFT Codes are standard for international transfers, they have a few major distinctions that separate the two.

The SWIFT code is used to identify a bank during international transactions. The SWIFT code is ultimately used as a messaging network for financial institutions to securely transmit information and instructions through a standard set of codes.

This system assigns each financial institution a unique code that has either eight or eleven characters. Furthermore, this allows institutions to share financial data, like the status of the account, debit and credit amounts, and the details related to the money transfer.

As far as numbers are concerned, it starts with a two-digit country code, two numbers, followed by three to five alphanumeric characters.

An example of a SWIFT Code would be: BOFAUS3NXXX. “BOFA” would refer to the bank (Bank of America), “US” the country code (United States), “3N” the location code of New York City, and “XXX” refers to the bank’s head office.

IBAN on the other hand refers to the individual account involved in the international transaction. IBAN also helps for easy identification of the country where the bank resides and the account number of the recipient of the money transfer.

Furthermore, it acts as a method of checking that the transaction details are correct. IBAN is made up of 32 alphanumeric characters, that includes two-digit country code and a two-digit checksum.

An example of a random account in Turkey would be: TR330006100519786457841326. The “TR” refers to the country, “33” the checksum that signifies if the rest of the number is typed correctly. The recipient bank is the “00061”, and the receiver account number is 0519786457841326.

What Happens If Aomeone Has Your Bank Account Number?

While it is a great feature that people are able to find their bank account numbers quickly, it is a major issue if a scammer has your account number. With your account number, scammers are able to make fraudulent ACH transfers or payments.

It should be noted however, if they only have your account number and nothing else, you do not have to worry as much. With the account and routing number or account number and your identity information, they are able to do some real damage.

FAQs

While the bank account number is not on the atm card itself, when using the atm the bank account number is listed on the ATM. Furthermore, the account number will be listed on the receipt of the transaction.

The bank account number is located on the bottom of the check. There are three separate series of numbers, and the second set of numbers refer to the bank account number.

Individuals are able to bank accounts with the social security numbers by going through a Uniform Commercial Code filings (UCC Filings), which are authorized methods for a bank account search by Social Security Number.

Consumers are not able to change their bank account numbers as they are automatically determined by the bank. For accounts that are compromised, people are able to open new bank accounts.

Banking Reviews

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Search
Banking Reviews
Best Banking Accounts
Savings Accounts
Top Offers From Our Partners

UpgradeLogo

Savings Rate: 5.21% APY
Minimum Deposit:
$0
 
CIT-Bank-Logo
Savings Rate: 5.05% APY
Minimum Deposit:
$5,000
Quontic bank logo
Savings Rate: 4.50% APY
Minimum Deposit:
$100
 
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Chase_logo

Promotion:
$300 New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.. Expired on 4/17/2024
Chase Overdraft Assist
With Chase Overdraft AssistSM, you won’t be charged an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day

UpgradeLogo

Fees:
No monthly fees No monthly fees and no overdraft fees. Plus get reimbursed for ATM fees with an active account 
Rewards:
Up to 2% cash back Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases 
Promotion:
$300 Use Promo Code “AXOS300” for a $300 bonus when you apply for a Rewards Checking account
Up to 3.30% APY
to get the maximum rate (up to $50,000) you’ll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

PNC bank logo

Promotion:
Up to $400 Open a new, select Virtual Wallet product and receive $500/$2,000/$5,000 or more in qualifying monthly direct deposits within 60 days to earn a $100/$200/$400 bonus.
Subject to state availability
PNC Virtual Wallet ® is available in AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MD, MI, NC, NJ, NY, NM, OH, PA, SC, TX, VA, WI, and WV. Virtual Wallet ® is offered in the state of MO with the exception of the Greater Kansas City area. Product availability may vary based on where you open your account and the Zip code of your primary

Promotion:
Up to $4,000 New customers may earn up to $4,000 when they open an eligible HSBC Premier checking account from January 8, 2024 through March 27, 2024 and complete qualifying activities:

• Receive a cash bonus of $1,500 when you deposit or invest $100,000 – $199,999.99

• Receive a cash bonus of $2,000 when you deposit or invest $200,000 – $299,999.99

• Receive a cash bonus of $2,500 when you deposit or invest $300,000 – 499,999.99

• Receive a cash bonus of $3,500 when you deposit or invest $500,000+

• Earn an extra $500 when you set up recurring monthly Direct Deposits totaling at least $5,000 for 3 months
Wealth Products & Advice
Get access to wealth products, insights and advice from an HSBC Financial Professional through HSBC Securities (USA) Inc
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Table of Contents