Where to account details?
- Share your bank details directly from the Mobile Banking app to your contacts.
- Send from any messaging apps you have installed on your phone such as WhatsApp or iMessage.
Where can you find your bank account information? This answer depends on the type of financial institution you bank at and the manner in which you conduct your banking.
See the List: GOBankingRates’ Best Banks of 2023Experts: Here’s How Much You Should Have in Your Checking Account
For the purposes of this article, GOBankingRates will look at how to find bank account information on a paper check and through an online portal. Here’s where to find key bank account information.
A paper check has three essential numbers to pay attention to. You can find these three sets of numbers at the bottom of the check in the following order.
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A routing number is a unique nine-digit number in the bottom left corner of a check. Essentially, a routing number is the address of your bank or financial institution. It ensures any financial transactions you make go to the right place.
An account number is a unique set of numbers found after the routing number at the bottom of a check. These numbers are assigned to customers when they open accounts and are used to identify the accounts.
Account numbers may be between eight and 12 digits. Some accounts might have as many as 17 digits.
A check number is the final set of numbers found after a routing number and account number on a paper check. It is usually a short number with no more than four digits. A check number is helpful for balancing a checkbook or when logging into your bank account portal to review the checks that have cleared.
The process for finding your bank account information online, whether through a website or app, will have a few nuances. You can find this information after logging in or you can take self-guided tours provided by your institution to find what you are looking for.
For example, let’s say you want to find a routing number for Bank of America. You can visit the BofA’s FAQs: Routing Numbers page for links that walk you through how to find this number.
These links take you to an online demonstration that shows the steps to finding this number:
A bank account number is a unique string of numbers and, sometimes, letters and other characters that identify a particular bank account and grant access to it. This often is one of the most important account numbers people have for transacting business.
A bank checking account's number is located at the bottom of the paper check. You'll see three sets of numbers in a computer-readable font at the bottom of the check:
Payroll processing offices use checking account numbers to set up direct deposit payments for employees.
Bank account numbers are vulnerable to identity theft and fraud. This is why you have to answer questions about your mother's maiden name when you try to make routine changes to an account like your bank account. The means of making it difficult for hackers to steal account numbers have in recent years taken the form of password managers along with multi-factor authentication, or MFA, systems.
Businesses now often employ a hard-to-hack master password to unlock an electronic vault of customers' bank account numbers and other sensitive data. Consumers are becoming accustomed to multifactor authentication, which adds another step before granting access to a bank account, such as requiring a fingerprint, voice activation, or a time-sensitive code sent to the cellphone number on record.
These are just some of the means of protecting users’ bank account numbers in an increasingly vulnerable online environment.
On a paper check, the nine-digit routing number identifies specific financial institutions within the U.S. The number identifies the check as having been issued by a federal- or state-chartered bank that maintains an account with the Federal Reserve.
This system dates back to 1910 and was developed initially as a way to help bank clerks sort through piles of checks and assign them to the correct drawer. Today, electronic services use them in much the same way for wire transfers, to draw a payment from a deposit at the correct institution.
The individual's bank account number works together with the routing number to identify the right account holder at the right institution.
You can find your bank account number on your monthly bank statement, or by visiting a branch of your bank.
If you are using a checking account, the account number is also printed on your paper checks. You can find it printed between the bank's routing number and the check number, as shown below.
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