where is the account and routing number on a check

In our increasingly digital world, you might not write checks often, but knowing how to read one is still an essential skill. Whether you’re setting up direct deposit with your employer, scheduling an online bill payment, or linking your bank account to a payment app, you’ll need two crucial pieces of information from your check. These numbers are the unique identifiers that ensure your money gets to the right place safely and securely.

So, when you need to find where is the account and routing number on a check, it’s simpler than you might think. They are always located in the same standard spot on every personal check issued by U.S. banks. Let’s take a closer look at the bottom of a check to demystify those long strings of numbers.

Where is the account and routing number on a check

Flip over one of your checks and look at the bottom edge. You’ll see a string of strange-looking numbers at the very bottom. This is called the MICR line, and it contains all the vital information. The first set of numbers, usually nine digits long, is your routing number. This number identifies your bank or credit union itself, not your specific account. Think of it as the bank’s address for the financial system.

Immediately to the right of the routing number, you’ll find your account number. This is your unique identifier within the bank. It can vary in length depending on the financial institution. This number is tied directly to your checking account, so it’s important to keep it secure.

Identifying the check number

You might notice a third, shorter set of numbers at the end of the sequence. This is your check number, which simply corresponds to the number printed in the top-right corner of the check. It’s used for your own record-keeping and to help you track specific payments. To quickly tell them apart, remember the order: the routing number comes first, then the account number, and finally the check number.

A quick tip for double-checking

If you’re ever unsure, a great way to confirm you have the correct numbers is to look at a bank statement or log into your online banking portal. These official sources will always list your accurate account and routing numbers. This can give you peace of mind, especially when you’re setting up an important payment for the first time.

With this knowledge, you can confidently locate your banking information whenever you need it. Keeping a voided check or a saved image of one in a secure place can also make this process quick and easy for future reference.