What an ABA Number Is and How to Find Chase's

Chase's ABA number is 021000021, used for wire transfers and ACH payments to your Chase account

An ABA number (also called a routing number) is a nine-digit code that identifies which bank holds your account. When someone sends you money by wire transfer or ACH payment, they need your ABA number so their bank knows where to send it. Chase uses the same ABA number — 021000021 — for most of its accounts, though some specialty accounts or regional branches may use different codes.

The ABA number is different from your account number. Your account number identifies your specific account at Chase; the ABA number identifies Chase itself as the destination bank. Together, they tell the sending bank exactly where your money should land.

Key Takeaways

• Chase's primary ABA number is 021000021, used for wire transfers and ACH payments sent to most Chase accounts.
• You can find your ABA number on the bottom left of your Chase checks, in your Chase mobile app under account details, or by calling Chase customer service.
• Different Chase products or regional locations may have different ABA numbers, so confirm the correct code before sending or receiving a large transfer.
• The ABA number stays the same regardless of which Chase branch you use or how many accounts you have with the bank.

Where to find your Chase ABA number

The easiest place to find your ABA number is on a Chase check. Look at the bottom left corner of the check — the first nine digits printed there are your ABA number. If you don't have checks handy, you can find it in the Chase mobile app by opening your account details or going to the account information section.

You can also call Chase customer service at 1-800-935-9935 and ask for your routing number. Have your account number ready when you call. If you're setting up a wire transfer or ACH payment through Chase's website or app, the system will often show you the correct ABA number automatically when you select the account you're transferring from or to.

When you need to provide your ABA number

You'll need to give your ABA number to someone who is sending you money electronically. This includes employers setting up direct deposit, vendors paying you by ACH, or anyone sending you a wire transfer. You should also have it ready if you're setting up automatic bill pay from your Chase account to pay a company or person.

When you're the one sending money out of your Chase account, you'll need the recipient's ABA number and account number, not your own. For example, if you're wiring money to someone else's bank account, you'll provide their ABA number to Chase, not yours.

ABA numbers for different Chase account types

Most Chase checking and savings accounts use 021000021 as the ABA number. However, Chase also offers business accounts, investment accounts, and specialty products that may route through different ABA numbers. If you have a Chase business checking account or a Chase investment account, the ABA number might differ.

Before you provide your ABA number for a large or important transfer, confirm it's correct by checking your account details in the app or calling Chase. Using the wrong ABA number won't send your money to the wrong person — the transfer will fail or be rejected — but it's worth verifying to avoid delays.

The difference between ABA number and SWIFT code

If you're receiving money from outside the United States, you may hear about a SWIFT code instead of an ABA number. A SWIFT code serves the same purpose as an ABA number but is used for international wire transfers. Chase's SWIFT code is CHASUS33, and you'll need it if someone in another country is sending you money.

For transfers within the United States, always use the ABA number (021000021). For international transfers, use the SWIFT code. Some forms ask for both, so it's helpful to have both codes on hand if you receive money from abroad regularly.

What happens if you use the wrong ABA number

If you provide an incorrect ABA number, the transfer will typically be rejected by the sending bank before the money leaves their system. The sender will be notified that the routing number is invalid, and they'll have to correct it and try again. This causes a delay but protects your money from going to the wrong place.

In rare cases, an incorrect ABA number might route money to a different bank entirely. If this happens, contact Chase when ready and provide them with the details of the transfer. Chase can work with the other bank to trace and recover the funds, though this process can take several weeks.

Frequently Asked Questions

Is the ABA number the same for all Chase customers?

Yes, most Chase customers use 021000021. However, some business accounts, older accounts, or accounts opened through specific Chase divisions may have different routing numbers. Check your checks or account details to confirm yours.

Can I use my account number instead of my ABA number?

No. Your account number alone is not enough — the sender needs both your ABA number and your account number to route money correctly. The ABA number tells their bank which bank to send it to; your account number tells Chase which account within Chase to deposit it into.

Do I need my ABA number to transfer money between my own Chase accounts?

No. If you're moving money between two accounts you own at Chase, you can do this through the Chase app or website without providing an ABA number. The system recognizes both accounts as yours and transfers the money internally.

What if my Chase account has a different ABA number than 021000021?

Some Chase accounts, particularly older ones or those tied to specific Chase divisions, may use a different routing number. Check your checks or call Chase to confirm your specific ABA number. Always use the number associated with your account, not the general Chase number.

Can I change my ABA number?

No. Your ABA number is assigned by Chase based on your account type and cannot be changed. If you need a different routing number for a specific reason, you may need to open a different type of account or contact Chase to discuss your options.