The numbers printed along the bottom of a check aren’t random — they tell banks exactly where your money is. Knowing how to read a check helps you set up payments, spot your routing number, and avoid mistakes. Here’s what every part means.
| Routing number | Bottom-left, 9 digits |
|---|---|
| Account number | Bottom-middle |
| Check number | Bottom-right & top-right |
The numbers at the bottom of a check
That line of stylized digits is called the MICR line. Read left to right, it has three parts:
- Routing number (bottom-left, 9 digits). This identifies your bank. It’s the number you give for direct deposit, wire transfers and autopay. It’s always exactly nine digits, usually bracketed by special symbols.
- Account number (middle). This is your specific account at that bank. Length varies by bank. Together with the routing number, it’s what moves money to or from you.
- Check number (right). This matches the number printed in the top-right corner and simply tracks which check in your book this is.
The rest of the check
- Top-left: your name and address.
- Top-right: the check number and the date line.
- “Pay to the order of”: the payee — who gets the money.
- Amount box and amount line: the sum in numbers and in words.
- Memo line (bottom-left): an optional note about the payment.
- Signature line (bottom-right): where the check writer signs.
FAQ
Which number on a check is the routing number?
The 9-digit number in the bottom-left. It identifies your bank and is the same for every check in your book.
Which number is the account number?
The set of digits in the middle of the bottom line. Its length varies by bank, and it’s unique to your account.
What is the check number for?
It’s a reference so you and your bank can track individual checks. It appears both in the top-right corner and on the bottom line.
Where do I find my routing number without a check?
In your bank’s app or website under account details, or by searching your bank’s name and “routing number” on its official site.
