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What is an eCheck?

An eCheck (or electronic check) is an electronic version of a paper check used to make payments online. Anyone with a checking account can pay by eCheck through Seamless Chex.
To make a payment with an eCheck, you simply provide the following information:

  • Your bank routing number
  • Your bank account number
  • The name on your bank account

Where is the routing number located on a check?

The first set of numbers on the lower left corner of a check is the routing number. Keep in mind the routing numbers are 9-digit codes and the character symbol surrounding the numbers is not part of the routing number on a check. Routing numbers, sometimes called transit numbers, are public and may vary based on the region where you opened your account.

Which number is the account number on a check?

The second set of numbers following the character symbol immediately after your routing number is your account number. Sometimes the placement can be switched with the check number. To determine your account number, simply choose the longer number. This number is private and unique to your bank account – you’ll find it only on your personal checks or by signing into your online account.

Where to find routing and account numbers without a check

Checks aren’t the only place to find your routing and account numbers. Every major bank has a mobile banking app and website through which customers can access their unique bank accounts and the numbers associated with those accounts. You’ll also find these numbers on your bank statements. If you’re not signed up for paperless banking, then these statements will regularly come in the mail every month. If you are, you can also access your statements through your bank’s website or mobile app. If digital means are inaccessible to you for whatever reason, you can obtain your routing and account numbers by calling or visiting your bank in person.

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