Where and How to Find Your Bank Member Number

A bank member number is a distinct identifier assigned by financial institutions, particularly credit unions, to uniquely identify each of their members. This number is separate from individual account numbers and serves as a primary reference for various banking interactions, helping the institution recognize you as a member regardless of the specific account you are inquiring about.

Where to Look for Your Member Number

A primary location to check is your bank statements, where the member number is typically found near the top, often within the account summary section for paper statements. For electronic statements, which can be downloaded from your online banking portal, the member number will also be present.

Your online banking portal or mobile banking application often provides direct access to your member number. Within these digital platforms, you can usually navigate to “My Settings,” “Personal Information,” or “Account Details” sections to locate it. Some institutions may initially hide this number for security reasons, requiring you to click an “eye” icon or similar prompt to reveal it. The member number might also be listed as your user ID for logging into online banking.

Physical documents received when you first opened your account are another reliable source. Your welcome kit or membership welcome package typically contains your unique membership number along with other account details. Loan agreements or other initial account opening documents may also list this information. While checks and deposit slips prominently display routing and account numbers, the member number is generally not found on these items or might be in a less obvious location if present. The 16-digit number on your debit or credit card is your card number, not your member number.

Identifying Your Member Number

A member number is usually a specific sequence of digits, often clearly labeled as “Member Number” or “Member ID.” It is a unique profile number that can be around seven to ten digits long.

It is important to differentiate your member number from your account number. While both are identifiers, the member number identifies you as a customer or member of the financial institution, especially in credit unions, whereas an account number identifies a specific account, such as a checking, savings, or loan account. A single member can have multiple account numbers for different products, but generally only one member number. Your member number may even form part of your individual account numbers.

Furthermore, the member number is distinct from a routing number, which is a nine-digit code that identifies your financial institution for transaction processing.

Contacting Your Bank for Assistance

If you have exhausted all self-service options and are still unable to locate your member number, contacting your financial institution’s customer service is the next step. Most banks and credit unions provide multiple channels for support, including phone assistance, secure messaging through their online banking portal, or in-person visits to a branch location. It is advisable to call during their stated business hours for direct assistance.

When you contact customer service for your member number, the institution will require identity verification to protect your information. You should be prepared to provide personal details such as your date of birth, Social Security Number, current address, and possibly answers to security questions. This verification process is standard practice to ensure that only authorized individuals receive sensitive account information.