How to Find Your Chase Bank Routing Number

What a routing number is and why Chase uses one

A routing number is a nine-digit code that identifies which bank or credit union holds your account. Chase Bank, like every other financial institution in the United States, has routing numbers so that money can move between banks correctly — when you set up direct deposit, pay a bill by check, or transfer funds to someone at a different bank, the routing number tells the banking system exactly where your money needs to go.

Chase does not have a single routing number for the entire company. Instead, Chase has different routing numbers depending on which state your account is in and what type of account you hold. This is standard across the banking industry: the routing number is tied to the specific branch or processing center that manages your account, not to Chase as a whole.

You will need your routing number when you set up direct deposit with an employer, arrange automatic bill payments, or send money to someone outside your bank. The routing number works alongside your account number — together they tell other banks where to send or pull money from.

Key Takeaways

• Chase routing numbers are nine digits and vary by state and account type, so you cannot use the same number for every Chase account you might have.
• You can find your routing number on the bottom left of any check you have, in your Chase online banking portal, or by calling Chase customer service.
• The routing number is different from your account number — you need both when setting up direct deposit or transfers.
• Chase has multiple routing numbers in use, so if one does not work for a specific transaction, the other routing number for your state may be the correct one.

How to find your Chase routing number on a check

The easiest way to find your routing number is to look at a check from your Chase account. On the bottom left of the check, you will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number.

The format looks like this: the routing number comes first, then your account number, then the check number. If you do not have a check in front of you, this method will not work, but it is the fastest way if you do.

If your checks are very old or from a closed account, the routing number may no longer be accurate. Chase occasionally changes routing numbers when it restructures its processing centers, so always verify the number through another method before using it for an important transaction like direct deposit.

Finding your routing number through Chase online banking

Log into your Chase online account at chase.com or through the Chase mobile app. Go to the account details or account information section — this is usually found under settings or account management.

Chase displays your routing number alongside your account number in the account details view. Some versions of the Chase app show this information on the account overview page itself. If you cannot locate it when ready, the search or help function within the app can direct you to the exact page.

This method works whether you are looking for a checking account routing number, savings account routing number, or money market account routing number. The routing number displayed in your online account is current and verified by Chase.

Calling Chase customer service for your routing number

You can call Chase customer service at 1-800-935-9935 to speak with a representative who will provide your routing number. Have your account number or the phone number associated with your account ready when you call, as Chase will ask you to verify your identity before sharing account details.

Wait times vary depending on the time of day and how busy the line is. Chase customer service is available during business hours, typically Monday through Friday, with limited weekend hours. If you need the information outside of business hours, the online banking method or a check are faster options.

Chase routing numbers by state

Chase operates in multiple states and uses different routing numbers for different regions. The most commonly used Chase routing numbers are 021000021 (for many states) and 011000015 (for other regions), but your specific routing number depends on where your account was opened and which Chase processing center handles it.

If you are trying to set up a transfer or direct deposit and one routing number does not work, the other may be correct for your account. This is why checking your online account or a check is more reliable than guessing — it removes the uncertainty.

Some Chase accounts opened in specific states or through specific branches may have routing numbers that are less common. If you have tried the standard Chase routing numbers and neither works, contact Chase directly to confirm which one applies to your account.

The difference between routing number and account number

Your routing number identifies your bank. Your account number identifies your specific account within that bank. Together, they form the complete address for your money.

When you set up direct deposit, you provide both numbers. The routing number tells your employer's bank which bank to send the money to; the account number tells Chase which account within Chase to deposit it into. If you give the correct routing number but the wrong account number, the money will go to the wrong person's account at Chase.

Your account number is usually 10 to 12 digits and appears on your checks, statements, and in your online banking portal. It is unique to your account, whereas your routing number is shared by many Chase customers in your region.

What to do if your routing number is not working

If you have entered your routing number correctly but a transfer or direct deposit is being rejected, the problem may be that you have the wrong routing number for your specific account. Chase has multiple routing numbers in use, and using the wrong one for your account type or region will cause the transaction to fail.

Double-check the routing number in your online banking account or on a recent check. If the number you are using matches what Chase shows, contact Chase customer service to confirm that the routing number is correct for the type of transaction you are trying to make. Some transactions, like international transfers, may require a different code entirely (such as a SWIFT code).

If you are sending money to someone else's Chase account, make sure they have given you their routing number, not yours. A common mistake is copying your own routing number when you should be using the recipient's.

Frequently Asked Questions

Do all Chase accounts in my state use the same routing number?

Not necessarily. While most Chase accounts in a state share one routing number, some accounts opened through specific branches or older accounts may use a different one. The safest approach is to check your specific account in online banking rather than assuming all your Chase accounts use the same number.

Is my routing number the same as my bank code or SWIFT code?

No. Your routing number is used for domestic transfers within the United States. A SWIFT code is used for international transfers and is different. If you are sending money outside the U.S., ask Chase for the SWIFT code, not the routing number.

Can I use the same routing number for checking and savings accounts?

Usually yes, if both accounts are at the same Chase branch or processing center. However, if your accounts were opened at different times or locations, they may have different routing numbers. Check each account individually in your online banking to be certain.

What happens if I give someone the wrong routing number?

The transfer or direct deposit will be rejected or sent to the wrong account. The sending bank will typically return the money to the sender after a few business days, but the transaction will not complete. Always verify the routing number before sharing it with an employer or service provider.

Do I need my routing number to log into Chase online banking?

No. You log in with your username and password or through your bank's app. You only need your routing number when setting up transfers, direct deposits, or other transactions that move money between banks.