You can easily find your account number from your debit card. The bank account number is usually listed on your debit card under your name. Moreover, you can get your account number by extracting the last 10 digits from your 16 digit debit card number.
How do I know my Bank Account number from my Debit card?
You can easily find your bank account number from your debit card. The account number is listed on your debit card under your name. You have a 16 digit debit card number as well. The first 6 digits represent the bank identification number, while the last 10 digits are your bank account number.
Usually, the bank account number is printed on the cards under the account holder’s name. Therefore, the cardholder doesn’t need to extract the account number from a 16 digit debit card number.
How can I find my bank account number without ATM card?
You can call the bank’s customer support to find your bank account number without an ATM or Debit card. Find the bank’s customer support number on your bank’s official website. The bank manager will give you the account number after confirming your identity by asking some questions.
You can also avail yourself of online banking services or mobile banking applications to find your account number without an ATM card. Log in to your account using the bank’s mobile application. Go to the account details page to see the bank account number, routing number, and other account information.
Usually, the bank account number, the routing number, and the check number are listed on the bottom of a check. The number is grouped into three parts. The first group is your routing number. The second group is your bank account number. And, the last group represents the check number.
By choice, you can visit the nearest branch of your bank to find your account number.
How to Find Your Debit Card Number Online
Yes, you can find your debit card number online. But it depends on the services of your bank. Sometimes, you may need to contact your bank to find your debit card number.
What is an account number and Are account numbers unique?
The account number is a sequence of numbers, alphabets, and sometimes other characters that exclusively identifies the account holder. The account owner doesn’t access his bank account without having an account number. Therefore, the checking account number is the most important number for people.
Usually, your account number works together with the routing number. The routing number identifies the name of your financial institution, while the account number identifies your personal account. You may have two or more accounts in the same bank. In such a case, you’ll most likely have the same routing numbers but different account numbers.
The bank account user always needs to transfer money within the same banks or between different banking institutions. To do so, they need an account number for every banking transaction. Although you can easily find your routing number, the account number is difficult to spot. So, it’s important to remember it as you do for your mobile PIN code or the Social Security number.
Another important question is that, are account numbers are unique. The answer is yes. The bank’s account numbers are always unique. Even you may have two or more bank accounts in the same banking institute. You’ll have different numbers for both accounts.
What Is a Primary Account Number?
The acronym PAN or primary account number represents a 14-, 15-, 16-, or even up to 19-digit unique number. It is generated as an identifier for a primary account. Primary account numbers are also known as payment card numbers. The reason is they can be found easily on the payment cards such as debit or credit cards. PAN is usually embossed or laser-printed at the front of the cards. The bank assigns the primary account number when you open an account.
As mentioned earlier, primary account numbers are unique identifiers for different payment cards like credit and debit cards. It provides the following information about the cardholder:
- Name of the cardholder
- Remaining card balance
- Credit limit
PAN can also identify other types of cards that store value, such as prepaid debit card or gift card.
The PAN is the only number associated with a particular account when we talk about a credit card. Therefore, it is commonly known as an account number.
We cannot use PAN to identify the exact account information about the associated account. For instance, a 16-digit debit card number doesn’t identify the account numbers of any saving or checking account associated with them.
How to see the number, CVV, or expiration date of your bank ATM card?
You can find the number, CVV, or the expiration date of your bank’s ATM card on the backside of your card.
Usually, the ATM cards have all the following information at the back:
- The 16-digit card number (card number is also known as primary account number)
- The expiry date of your card (month/year)
- CVV or the card Verification Value (a three-digit value at the back of your MasterCard)
- Holder name
- Company name
What is the difference between routing Numbers and Account numbers?
A routing number is a 9-digit code. It represents the bank or credit union where the account is opened within the United States. The American Bankers Association (ABA) assigns the routing number. Therefore, it is also known as the ABA routing number.
On the flip side, the account number is a sequence of numbers and alphabets that uniquely identify the account owner.
As mentioned, a routing number speaks for the bank or credit union that holds your account. While an account number identifies your specific account among the many others that a specific bank holds. For instance, you may have two or more accounts in the same bank. In such a case, you’ll most likely have the same routing numbers but different account numbers.
Usually, the banks and credit unions have only one routing number. However, some national and multinational banking chains have multiple routing numbers. It depends on where you live or hold the account.
The bank account user always needs to transfer money within the same banks or between different banking institutions. To do so, they need an account number for every banking transaction. Although you can easily find your routing number, the account number is difficult to locate. So, it’s important to remember it as you do for your mobile PIN code or the Social Security number.
How do you find the account and routing numbers on a check?
Usually, the bank account number, the routing number, and the check number are listed on the bottom of a check. You will see three groups of numbers. The first group is your routing number. The second group is your bank account number. And, the last group represents the check number.
Knowing how to locate the account and routing numbers on the check would help you:
- Set up automatic payments for monthly bills
- Fill forms for actions such as a direct deposit
Is your information on the Dark Web?
If your personal information is on the Dark Web, it means that someone is using your data and information without your consent. If you find your personal information on the Dark Web, you can take the following security measures to regain your privacy:
- Scan your computer for viruses
- Change all the passwords
Moreover, protect your information by:
- Using a password manager
- Avoiding public WiFi
- Setting up two-factor authentication
How to Avoid Fees & Bank Charges
You can avoid bank charges by the following means:
Account Maintainance and Minimum Balance Fee
Some banks charge fees for maintaining savings and checking accounts. But they usually waive these charges if you keep a minimum balance in your account. Therefore, keep a minimum balance in your bank account to avoid bank charges.
ATM Fee
Using the ATMs not affixed with your bank can charge a service fee. Use mobile banking apps to find out the location of a fee-free ATM. You can also withdraw cash in advance when you’re near your bank’s ATM.
Overdraft Fee
Overdraft protection allows purchases for free even if you don’t have enough amount in your checking account. Try low-balance alerts to avoid an overdraft fee.
Insufficient Funds Fee
When you perform a transaction that is more than the amount in your checking or savings account, the bank may decrease the charge or return it unpaid. Try low-balance alerts to identify when your account balance is low.
Excess Transactions Fee
All banks do not charge a fee for the transactions after a certain limit. But try to use a checking account for everyday transactions instead of a saving account to avoid extra charges.
Wire Transfer
Banks often charge a fee for a wire transfer. It’s the best option for some official transactions, such as loan payoff. In other cases, you can try online banking or a person-to-person transfer via your mobile application.
Foreign transaction Fee
You need to pay a foreign transaction fee for using the debit card outside the United States. You cannot avoid foreign transaction fees. But you can pay less by withdrawing more money at once.
All banks do not charge foreign transaction fees. If you need to travel a lot, choose a bank like Capital One, Charles Schwab, or Discover.
Paper Statement Fee
Usually, people log in to their accounts to check the monthly bank statements. But some of them want paper statements to be mailed to their houses. This service costs around $3 per month. You can avoid the paper statement fee by using online banking services.
Inactivity Fee
Usually, if you do not use your bank account for six months, the bank may charge an inactivity fee. If you don’t need your account anymore, consider closing it to avoid unnecessary bank charges. Also read useful information how to activate Chase debit card
Account Closing Fee
To avoid the account closing fee, you need to keep your account open for 90 to 180 days before closing it.
What do the 16 Numbers on the Bank card Mean?
Usually, the bank’s ATM or debit card has 16-digit numbers on them where each number has a specific meaning. Here are the details:
Major Industry Identifier
The first number represents the industry that has issued the card. It is called the Major Industry Identifier or MII. Following is a complete list of industries that publish the bank’s cards:
- ISO and other industries
- Airline companies
- Travel and entertainment (American Express or Food Club)
- Banking and Finance (Master card and VISA card)
- Banking and Merchandising
- Petroleum
- Telecommunications and other industries
- National Assignments
Issuer Identification Number
The first 6 digits of a card number show the card issuer company. It is known as the Issuer Identification Number or IIN.
All VISA cards start with the number 4, and the Master cards start with the number 5. The rest of the five numbers represent the bank that issued the card.
Account Number
The digits from the 7th to the 15th represent the account number. The card provider assigns this unique number. It is used to represent your bank account.
Check Digit
The last number of the card is known as the check digit. The check digit shows the validity of your bank card. The sole purpose of adding a check digit to the bank’s card number is to validate the rest of the number.
FAQ – Account Number on Debit Card
A routing number is a 9-digit code. It represents the banking institution or credit union where the account is opened within the United States. The American Bankers Association (ABA) assigns the routing number.
Therefore, it is also known as the ABA routing number. The number is a sure sign that the bank maintains the account with the Federal Reserve.
Usually, the banks and credit unions have only one routing number. However, some national and multinational banking chains have multiple routing numbers. It depends on where you live or hold the account.
1. Routing numbers are commonly used while:
2. Reordering checks for monthly bills
3. Filling a form for direct deposit
4. Tax payments
The routing numbers designated for domestic and international wire transfers are not the same. However, you can find them online or contact the bank’s customer support.
The standard Bank Identifier Code (BIC) format is known as the SWIFT code. It is used to specify a particular bank or a specific bank branch. Usually, banks use these codes for exchanging messages and information. These codes are particularly used for international wire transfer.
SWIFT codes constitute 8 or 11 characters. Generally, the 8-digit code represents the head office of the bank. On the other hand, all 11-digit code refers to a specific bank branch.
The general format of SWIFT code is as follows:
AAAA BB CC DDD
1. The first 4 characters are the bank code. It contains letters.
2. The next 2 characters are the ISO 3166-1 alpha-2 country code. It contains letters.
3. The next 2 characters represent the location code. It contains both letters and digits (the passive participant 4. will have 1 in the second character)
5. Finally, the last 3 characters are the branch code. It also contains both letters and digits (the last three characters are optional – ‘XXX’ for head office)
The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is responsible for the registrations of the SWIFT codes. SWIFT headquarter is located in La Hulpe, Belgium.
You will receive a functional debit card within 2-3 business days after applying.
There is a 16-digit number at the front face of your debit card. It is commonly known as the Debit Card number. This unique number identifies your Debit Card. The number is composed of two parts. Each part has its significance. Here are the details of the constituents of the Debit Card Number.
The first six digits of the Debit Card number represent the Issuer Identification Number. It is referred to as Bank Identification numbers. These digits tell you the name of the card issuer company, i.e., Mastercard or Visa card.
1. The next digits 7-16, specify your bank account details, including:
2. The bank’s name who issued the card
3. The card type
A unique identifier that points to your specific bank account
Yes, you can open a business bank account with bad credit. Here is a comprehensive list of items you’ll need to open a business account:
1. Employer identification number (EIN) or Social Security Number
2. Personal identification (for instance, passport or driver’s license)
3. Business license
4. DBA Certification
Corporate documents (for instance, the articles of incorporation or partnership agreement)
Once you have a business bank account, your goal is to improve your credit. You can take the following initiatives to do so:
Establish Business Credit: Even if you start small, opening a dedicated business account is the first step to increasing your business credit. Try to keep your business and personal expenses separate. Apply for a business credit card. Make sure to use your business credit cards responsibly month after month.
Clean up your personal credit: Usually, credit unions and banks use your personal accounts as security until your business grows up. You can use this chance of a lifetime to create good habits. Try to pay your bills on time every month, and make sure to pay down revolving debt. Do not claim new credit unless you need it. Keep a check on your free credit report to see where you can improve.
Check your ChexSystems report: You can easily check your ChexSystems report for free every 12 months.
No, the debit card number and the account number are not the same. A debit card number is a sequence of 16-digit numbers. Whereas the 7th to 15th digits in the debit card number show your account number.
Final Words
Concisely speaking, you can find your bank account number on your debit card under your name. Additionally, you can get your bank account number by extracting the last 10 digits from your 16 digit debit card number. If you do not have your debit card, you can contact the bank or credit union. You can also look over the bottom of a paper check to find the desired account number. What is cash app bank name in the USA?
