Where Exactly Is a Check's Account Number Located?

Get familiar with the numbers necessary to link your bank account

When you set up electronic payments or direct deposits, you will usually be asked for your checking account number. A personal check is where you will find that number the quickest and most accessible. Still, other options are available if you do not have any checks. You can find your check's account number at the very bottom of the document. At the very bottom, in a font that is especially readable by computers, there should be three different sets of numbers:
  1. The number that is immediate to your left is the routing number for your bank.
  2. Your account number is the second number, which is the middle number.
  3. You can find your check number in the third position.
Take, as an illustration, the picture that is located at the very top of this page. Most personal checks follow this format, but the structure of company checks and checks used for online bill payments could be different. On a check, the account number is typically denoted by the following symbol: ?. Your account number is the string of digits immediately before that symbol. If you look for it, you should be able to find it.

Other numbers that are on your check

Suppose you are asked to submit an account number. In that case, there is a significant probability that you will also be asked to supply information regarding other aspects of the check. Your account number is insufficient for establishing a connection to your bank account for direct deposit or automatic bill payment.

Numbers used for routing

In most cases, the number on the far left is the routing transit number (RTN) or American Bankers Association (ABA) number associated with your bank. Your bank can be identified using that nine-digit code. Still, your specific account inside that bank cannot be identified using that code.

Check numbers

When researching an individual check for your accounting, it is helpful to have the check number, which should be the collection of numbers located on the far right. A check number does not refer to your bank or your account; instead, it is just a one-of-a-kind identifier that you assign to each check that you write. This allows you to monitor your spending better and maintain a healthy checkbook balance. It is not necessary to have check numbers to execute payments. Check numbers can be reused or used in an order that is not sequential without causing any substantial issues.

Checks for businesses and checks that are bank printed

The layout of a personal check should generally look like the one displayed and described in the preceding example. However, there is a possibility that the format of checks that originate from businesses (such as those used for payroll) and checks that your bank has printed out will be different. Account numbers are often written as the third set of numbers reading from the left on checks mailed by businesses or sent from online bill payment providers. To make matters even more confusing, the account and routing numbers printed on those checks can be different from the numbers printed on your checks. Suppose you try to copy your account number from a check generated using the online bill payment service provided by your bank. In that case, you will receive an account number that does not map directly to the particular account that you are attempting to access. Instead, that number is associated with an account at your bank used for the payment of bills. You will not be able to link your account for direct deposits, ACH payments (payments made through the Automated Clearing House), or wire transfers by using those numbers. It is recommended that you utilize a personal check printed within the last few months to locate your account details. Get in touch with your financial institution to obtain the information you need if you are unsure which numbers to use.

Reach out to customer service

Search for a direct deposit form, an account details section, or instructions to set up an electronic funds transfer (EFT) and automated clearing house (ACH). A customer service person at your bank will be able to provide you with all of the information that you require to successfully set up your bank's automatic payments because ABA numbers can be different depending on where you started your account. They will need to know the specific account you wish to utilize to process your request. When you are connected to your account, you may also be able to find this information online in another location. Spending a few minutes on the phone with customer support to confirm the correct account number is time well spent. Think about the outcomes that could result from an incorrect setup. There is a risk of you not being paid on time, resulting in your having to bounce checks or fall behind on payments for essential items. Signing up for electronic payments allows you to correctly get things done the first time. You can put everything on autopilot. This is the main benefit of the program.

In the event that you do not possess checks

It is not difficult to locate your account number on a check, but what do you do if you do not have any checks? Your monthly statement is the next best spot to look after your bank account. Because your account number may be partially obscured in certain circumstances (especially if you check statements online). You may need to contact customer service by phone or online chat facility. There is a possibility that there is a button or link that you can click on to "display" or enlarge your complete account number.

Frequently Asked Questions (FAQs)

What is the typical length of a bank account number?

The number of digits in a customer account can range anywhere from ten to twelve digits. Still, most commonly, it's the former. The routing numbers of banks always consist of 9 digits.

On a check, what account number should be written?

The number printed on the check is associated with the bank account from which the monies will be drawn after the check is cashed. Suppose you have more than one account at your bank. In that case, you will need to go online to search for your account numbers. You will then have to compare those numbers to the ones on the check-in order to determine which of your accounts the check is associated with.

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