What Is a Bank Account Number?
A bank account number is a unique identifier composed of numbers, and sometimes, letters or other characters, which identifies a specific bank account. It is crucial for conducting business transactions.
Key Takeaways
- A bank account number uniquely identifies a bank account owner and permits access to it.
- In online banking, account numbers are susceptible to fraud.
- Security measures like multi-factor identification and secure passwords protect bank account numbers.
- Bank account numbers can be found on the bottom of paper checks, typically following the routing number.
How a Bank Account Number Works
A checking account’s number is seen at the bottom of a paper check. There are three sets of numbers in a computer-readable font at the bottom:
- The first set to the left is the nine-digit bank routing number.
- The middle set is your account number.
- The third set is the check number.
Payroll departments use checking account numbers to set up direct deposit payments for employees.
Protecting Bank Account Numbers
Bank account numbers are susceptible to identity theft and fraud. Security measures such as password managers and multi-factor authentication (MFA) systems protect them. Consumers may need to provide additional verification, like a fingerprint or a time-sensitive code sent to their phone, before accessing their bank accounts.
Businesses often utilize secure methods like master passwords to safeguard electronic vaults containing customers’ account numbers and sensitive data. These measures help protect users’ bank account numbers in an increasingly digital and vulnerable world.
Account Number vs. Routing Number
On a paper check, the nine-digit routing number identifies specific financial institutions within the U.S. It aids in sorting and routing checks and electronic transfers to the proper bank. The bank account number, used alongside the routing number, identifies the right account holder at the right institution.
How to Locate Your Bank Account Number
You can locate your bank account number on your monthly bank statement or by visiting your bank branch. For checking accounts, the account number is also printed between the bank’s routing number and the check number on paper checks.
How Do You Find the Account Number on a Check?
Your bank account number appears in the second sequence of numbers at the bottom of your paper check, positioned between the nine-digit routing number and the shorter check number. It is also on your account statement.
How Long Is a Bank Account Number?
Typically, a bank account number is eight to 12 digits long, though some numbers can be up to 17 digits. It is distinct from the numbers on your debit or credit card.
How Do You Find Out Your Account Number?
Locate your bank account number on bank statements, at the bottom of paper checks, or by logging in to your bank’s website. If these methods fail, visit a bank branch in person.
The Bottom Line
A bank account number uniquely identifies each account at a bank or other financial institution. It works with the routing number to facilitate payments and deposits. With increasing identity theft and fraud, it is crucial to protect your bank account number and other banking information actively.
Related Terms: Routing Number, Bank Statement, Direct Deposit, Multi-Factor Authentication.
References
- American Bankers Association. “ABA Routing Number”.
- Cybersecurity & Infrastructure Security Agency. “Multi-Factor Authentication (MFA)”, Download PDF.
- American Bankers Association. “Routing Number Policy & Procedures”.
- Chase. “What Is a Bank Account Number?”
