How to Find Bank Account Info on a Canceled Check

If you need your routing number, account number, or check number for a direct deposit, automatic payment, or wire transfer, a canceled check is one of the most reliable places to find them. This guide shows you exactly where each number appears on the check and how to read them correctly, so you can set up your banking details without calling the bank.

What You’ll Need

• A canceled check (a check that has been paid by your bank, often returned with your statement or available as an image online).
• Your checkbook or a recent bank statement if you don’t have the physical check.
• A magnifying glass (optional, but helpful for small print).

Step-by-Step

1. Find the routing number (bottom left). Look at the bottom of the check. The first set of numbers on the left is the ABA routing number, also called the routing transit number. It is always 9 digits long and identifies your bank. It may be printed with special symbols (the ‘⑆’ character) before and after it.
2. Locate the account number (bottom middle). The second set of numbers, to the right of the routing number, is your account number. This is the number that identifies your specific account at that bank. Its length varies by bank, but it is typically 10 to 12 digits.
3. Identify the check number (bottom right). The last set of numbers on the bottom right is the check number. This is usually 3 or 4 digits, and it matches the number printed in the top right corner of the check. It helps you track which check you’re using, but it is not needed for most bank transactions.
4. Verify the numbers. Double-check that you are reading the correct groups. The routing number is always 9 digits and starts with 0, 1, 2, or 3. The account number can be any length, but it is never the same as the routing number. The check number is usually the shortest and often appears again in the top right.
5. Use the numbers correctly. When setting up a direct deposit or automatic payment, you will enter the routing number first, then the account number. Make sure you don’t accidentally swap them. The check number is not required for electronic transfers.
6. If you don’t have a physical check. Log into your online banking and look for a ‘View Check Images’ or ‘Statements’ option. You can often view a digital copy of a canceled check and read the numbers from the screen. Alternatively, your bank statement may list the last four digits of your account number, but not the full number.

Common Mistakes

• Mixing up the routing and account numbers. This is the most common error. The routing number is always 9 digits and is on the far left. The account number is to its right and can be any length.
• Including the check number in the account number. Some people accidentally include the check number when copying the account number, especially if the numbers run together. Look for the spaces or special symbols between the groups.
• Using the number from a deposit slip. Deposit slips have the same routing and account numbers, but they are formatted differently. If you’re using a deposit slip, make sure you’re reading the bottom line correctly, as the account number may be in a different position.
• Ignoring the symbols. The ‘⑆’ symbol is a magnetic ink character recognition (MICR) separator. It is not part of the numbers. Do not include it when you type the numbers.

Tips

• Use the check image online. If you have online banking, you can usually view a high-resolution image of your canceled check. This is often easier than reading a paper check that has been scanned or stamped.
• Write the numbers down. Keep a secure record of your routing and account numbers in a password manager or a locked file. This way you don’t have to pull out a check every time you need them.
• Check the top right for the check number. The check number is printed twice: once at the top right and once at the bottom right. If you’re unsure which number is the check number, compare the two.
• Know your bank’s routing number. If you have accounts at multiple banks, each will have a different routing number. Make sure you’re using the one that corresponds to the account you want to use.

Troubleshooting

• The numbers are faded or smudged. If the MICR line is hard to read, try using a magnifying glass or a bright light. You can also log into online banking and view the check image, which is usually clearer.
• You can’t find a canceled check. If you don’t have a physical check, you can order new checks from your bank (they will have the same numbers), or you can call your bank’s customer service and ask for your account number. They may ask for verification to protect your account.
• The account number seems too short. Some banks have shorter account numbers, especially for older accounts. If you’re unsure, call your bank and ask them to confirm the account number. Do not assume it’s incorrect just because it’s shorter than expected.
• You see an extra number at the end. On some checks, there is an extra number after the check number, which is the check’s fractional number or a security code. This is not part of the account or routing number. Ignore it.
• You’re setting up a wire transfer and the numbers don’t work. Wire transfers may require a different routing number (e.g., a wire routing number) than the one on your check. Contact your bank to get the correct wire routing number.

Frequently Asked Questions

What is the difference between a routing number and an account number?

The routing number identifies your bank (9 digits, on the left), while the account number identifies your specific account (middle group). Both are needed for electronic transfers.

Can I use a deposit slip instead of a canceled check?

Yes, deposit slips also have the routing and account numbers, but they are often formatted with the account number on the left and routing on the right. Check the bottom of the slip carefully.

Do all checks have the same layout?

Most personal checks follow the same bottom line layout: routing number, account number, check number. However, some business checks or specialty checks may vary. Always look for the 9-digit routing number to orient yourself.

Is it safe to share my routing and account numbers?

These numbers are printed on every check you write, so they are not secret. However, sharing them with untrusted parties could lead to unauthorized withdrawals. Only provide them to legitimate companies or individuals you trust.

What if my bank merged or changed its routing number?

If your bank merged, the routing number on your old checks may still be valid for a transition period. After that, you’ll need to use the new routing number, which you can find on your new checks or by contacting your bank.

Can I find my account number on a voided check?

Yes, a voided check has the same numbers as a canceled check. In fact, many employers and billers ask for a voided check to set up direct deposit, because it provides the exact routing and account numbers.

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