Where Is the Bank Account Number on a Card?
Learn why your bank account number isn't printed on your card and discover the simple, secure methods to find it when needed.
Learn why your bank account number isn't printed on your card and discover the simple, secure methods to find it when needed.
It is common for individuals to wonder where their bank account number is located on their debit or credit card. While a card contains several numbers, the actual bank account number is not typically printed directly on the card itself. Understanding the different numbers found on your card and knowing where to locate your true bank account information is helpful for managing your finances and ensuring security.
A bank card, whether debit or credit, displays several sets of numbers and pieces of information, each serving a specific function.
The most prominent is the long string of digits, usually 16, known as the Primary Account Number (PAN). This number identifies the card issuer and the individual cardholder’s account for transaction processing. It is distinct from your bank account number, which is a separate identifier for the underlying deposit account.
Another important detail is the expiration date, typically shown as a two-digit month and two-digit year (MM/YY). This date indicates when the card will no longer be valid for use.
On the back of most cards, you will find a three or four-digit security code (CVV/CVC/CID). This code helps verify that the person making a transaction has physical possession of the card.
The cardholder’s name is also printed on the card. None of these visible numbers, including the 16-digit card number or the security code, directly represent your bank account number.
The primary reason bank account numbers are not printed on cards is for security and fraud prevention. If a card were lost or stolen, having the bank account number readily available would grant unauthorized access to the underlying funds. This separation creates a layer of protection, as the card number is used for transactions, while the bank account number provides direct access to the account.
The card number functions as an identifier for payment networks, allowing transactions to be routed correctly without exposing the more sensitive bank account number. This distinction helps mitigate risks associated with card-not-present fraud, such as online purchases. Financial institutions implement various security measures to protect sensitive account information.
There are several reliable ways to find your bank account number when you need it.
One common method is through your bank’s online banking portal or mobile application. After logging in, the account number is typically displayed on the homepage or within the account details or summary section.
Another accessible source is a paper bank statement. Account numbers are usually printed at the top of the statement or within the account summary section.
For those with a checking account, the account number is also found on personal checks. It is usually the middle set of numbers, positioned between the nine-digit routing number on the left and the check number on the right, at the bottom of the check.
If these methods are not feasible, you can contact your bank directly by phone or visit a local branch. Customer service representatives can provide your account number after verifying your identity, which typically involves answering security questions or presenting identification.