where is the account number located on a check

In our increasingly digital world, you might not write checks as often as you used to. But when you need to set up direct deposit, make an electronic payment, or verify a transaction, knowing how to find your banking details on a paper check becomes essential. One of the most critical pieces of information is your account number, and knowing exactly where is the account number located on a check can save you time and prevent errors.

Where is the account number located on a check

Your account number is prominently displayed at the bottom of the check, nestled within a string of special-looking numbers. This line of numbers, printed in a unique magnetic ink font known as MICR, is the key to all your account’s routing and identification details. To find your specific account number, you need to look at the sequence of numbers at the very bottom.

Breaking down the numbers at the bottom

The bottom of your check has three distinct sets of numbers. The first set, usually nine digits long, is the routing number. This number identifies your bank or credit union itself. The second set of numbers is your account number. This can vary in length, typically between 10 and 12 digits, but sometimes longer. It is your unique identifier for that specific checking account. Finally, the last set of numbers is the check number, which should match the number printed in the top-right corner of the check.

A quick tip for identifying your account number

If you’re ever unsure which number is which, a simple trick can help. The routing number is always nine digits. The check number at the end is usually a shorter, smaller number. Your account number is the one in the middle that doesn’t fit the nine-digit pattern of the routing number. It’s the variable-length number that is uniquely yours.

Why you need to keep this number secure

Your account number is sensitive information. Along with your bank’s routing number, it provides direct access to your funds. You should only share it with trusted entities for legitimate purposes, such as your employer for direct deposit or a verified company for automatic bill payments. Always store canceled or old checks in a safe place, and shred them before discarding.

While mobile banking apps are convenient, the humble paper check remains a vital source of your banking information. By knowing where to find your account number and how to interpret the other digits, you can confidently manage your finances and provide the correct details whenever they are needed.