When you look at a check for the first time, it can feel like you’re deciphering a secret code. There are several long numbers printed along the bottom, each serving a distinct and crucial purpose for moving your money. Knowing which one is which is essential for setting up direct deposits, making automatic bill payments, or sending a wire transfer.
If you’ve ever found yourself wondering exactly what is the checking account number on a check, you’re not alone. It’s the unique identifier for your specific account, and it’s always located in the same predictable spot. Let’s break down where to find it and how to distinguish it from the other important numbers printed nearby.
What is the checking account number on a check and where is it?
The checking account number is typically the second set of numbers at the bottom of your check. It’s a unique string of, most commonly, 10 to 12 digits that is assigned solely to your account. This number tells the bank exactly which account the funds should be withdrawn from. You can also usually find this same number printed on your bank statements and within your online banking portal for easy reference.
Distinguishing it from the routing number
Right next to your account number is another critical number: the routing number. This is the first set of nine digits at the bottom-left of the check. While your account number identifies your specific account, the routing number identifies your bank. It’s like the bank’s address within the financial system, ensuring the money is sent to and from the correct institution. When you provide information for an electronic transaction, you will almost always need to supply both of these numbers.
Keeping your account number safe
Because your checking account number provides direct access to your funds, it’s vital to treat it with care. Only share it with trusted entities for legitimate purposes, such as your employer for direct deposit or a verified company for automatic bill payments. Avoid writing it down on easily lost notes or sending it via unsecured methods like regular email. Always store canceled or old checks in a secure location, and shred them before discarding.
By knowing where to find your checking account number and how it differs from the routing number, you can manage your finances with greater confidence and security. The next time you need to set up a payment, you’ll know exactly which number to use.
Leave a Reply