How to Find Your Chase Bank ACH Routing Number

Your Chase ACH routing number is a nine-digit code that identifies your specific Chase branch for electronic transfers

When someone sends you money through ACH (Automated Clearing House) — a bank-to-bank electronic transfer system — they need two pieces of information: your account number and your routing number. Chase uses different routing numbers depending on which state your account is held in, even though you may bank online. The routing number tells the sending bank's system which Chase location to send the money to, and from there it reaches your account.

You do not need to contact Chase or wait for anything to arrive. Your routing number is printed on the bottom left of every check you have from that account, and you can also find it through your Chase online banking portal or by calling the number on the back of your debit card.

Key Takeaways

• Your Chase ACH routing number is printed on the bottom left corner of your checks, before your account number.
• Chase routing numbers vary by state, so confirm you are using the number for the state where your account is registered, not where you live.
• You can find your routing number through Chase's website, your mobile app, or by calling Chase customer service at the number on your debit card.
• The same routing number works for ACH transfers, wire transfers, and direct deposits — you do not need different numbers for different transfer types.

Finding your routing number on a check

Look at the bottom left corner of any check from your Chase account. You will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number. The second group is your account number. Write down all nine digits of the routing number exactly as they appear — do not skip any zeros.

If you do not have checks or your checks are old, the routing number may have changed if Chase merged with another bank or reorganized its branches. Call the number on the back of your debit card to confirm you have the current routing number for your account.

Looking it up through Chase online or mobile banking

Log into your Chase account at chase.com or through the Chase Mobile app. Go to the account details or account information section — the exact location varies depending on whether you are on desktop or mobile, but it is usually under "Account Services" or "Settings." You should see your routing number listed alongside your account number.

If you cannot find it in account details, call the customer service number on the back of your debit card. A representative can read your routing number to you over the phone and confirm it is correct for your account type and state.

Understanding why Chase has multiple routing numbers

Chase operates in all 50 states and uses different routing numbers for different regions. Your routing number is tied to the state where your account was opened or is registered, not the state where you currently live. If you moved to a different state after opening your account, your original routing number stays the same.

This matters because if you give someone the wrong state's routing number, the transfer may be delayed or rejected. Always use the routing number that matches your account's home state, which you can confirm by looking at your checks or calling Chase.

Using your routing number for different types of transfers

The same nine-digit routing number works for ACH transfers, wire transfers, and direct deposits. You do not need to find a different number depending on who is sending you money or what type of electronic transfer they are using. Whether your employer is setting up direct deposit, a friend is sending you money through their bank's bill pay system, or a company is withdrawing a payment from your account, they all use the same routing number.

The only exception is if you are sending money out of your Chase account to another bank. In that case, you would need the other bank's routing number, not your Chase routing number.

What to do if you cannot find your routing number

Call Chase customer service at the number printed on the back of your debit card. Have your account number ready. A representative will confirm your routing number and can also tell you whether it has changed recently due to any Chase branch reorganizations or mergers in your area.

If you are setting up a transfer and the receiving bank says your routing number is invalid, call Chase when ready rather than trying different numbers. An invalid routing number usually means either a typo or that your account type (such as a business account) uses a different routing number than you expected.

Frequently Asked Questions

Is my Chase routing number the same as my account number?

No. Your routing number is nine digits and identifies your Chase branch or region. Your account number is separate and identifies your specific account. Both appear on the bottom of your checks, with the routing number on the far left.

Can I use the same routing number if I move to a different state?

Yes. Your routing number is tied to the state where your account was opened, not where you live now. You keep the same routing number even if you move, and you should continue using it for all transfers.

What if someone gives me a Chase routing number that does not match mine?

Chase has multiple routing numbers by state and account type. Confirm you are using the correct one by checking your checks or calling Chase. Using the wrong routing number can cause transfers to be delayed or rejected, even though they will eventually reach the right account.

Do I need a different routing number for wire transfers versus ACH transfers?

No. The same routing number works for both ACH transfers and wire transfers. You also use it for direct deposits and bill payments. One routing number covers all electronic transfer types.