How to Find Your Chase Bank Routing Number

What a Chase routing number is and why you need it

A routing number is a nine-digit code that identifies which bank or credit union holds your account. Chase uses different routing numbers depending on which state you opened your account in and which type of account you have. When you set up direct deposit, pay bills online, or send money via wire transfer, you give the routing number to tell the other party's bank exactly where to send the money.

Think of it this way: your account number identifies your specific account, but the routing number identifies the bank branch or processing center that handles it. Without the routing number, the payment system wouldn't know which bank to contact.

Key Takeaways

• Chase routing numbers are nine digits and vary by state and account type, so you need to find the one for your specific account.
• You can find your routing number on the bottom left of your checks, in your Chase mobile app, or by calling Chase customer service.
• The routing number for wire transfers is sometimes different from the one for ACH transfers (like direct deposit), so confirm which one you need.
• If you cannot locate your routing number, Chase customer service can provide it in minutes over the phone or through online chat.

Where to find your Chase routing number

The easiest place to look is the bottom left corner of any check from your Chase account. The first nine digits printed there are your routing number. If you do not have checks handy, you have several other options.

Open the Chase mobile app, sign in, and go to your account details. The routing number appears there for most account types. You can also log into Chase.com, navigate to your account settings, and look for the routing and account number section. Some accounts display it under "Account Information" or "Transfer Funds."

If you cannot find it online, call Chase customer service at the number on the back of your debit card or on your account statement. A representative can give you the routing number over the phone in a few minutes. You will need to verify your identity with your account number and personal information.

Different routing numbers for different transfer types

Chase may use one routing number for ACH transfers (like direct deposit or bill pay) and a different one for wire transfers. ACH transfers are electronic payments that typically take one to three business days. Wire transfers move money the same day or next business day and cost more.

When you set up direct deposit with your employer, ask them whether they need an ACH routing number or a wire routing number. Most payroll systems use ACH. If you are sending a wire transfer, the bank or person receiving the money will tell you which routing number to use, or you can ask Chase which one applies to your situation.

Using the wrong routing number will not send your money to the wrong place — the payment will typically be rejected or delayed — but it is worth confirming upfront so the transfer goes through smoothly the first time.

Chase routing numbers by state

Chase operates under different routing numbers in different states because the bank processes accounts through regional centers. If you opened your account in California, your routing number will be different from someone who opened theirs in New York or Texas.

The routing number printed on your checks reflects the state where you opened the account, not where you live now. If you moved to a different state after opening your account, your routing number stays the same.

State	Common ACH Routing Number
California	322271627
New York	021000021
Texas	111000025
Illinois	071101307
Florida	267084131

This table shows examples only. Your specific routing number depends on where you opened your account. Check your checks or your online account to confirm, rather than relying on a list.

What to do if you have multiple Chase accounts

If you have a checking account and a savings account with Chase, both accounts share the same routing number. The routing number identifies the bank, not the individual account. Your account number is what distinguishes one account from another.

When you provide your routing number and account number together, the bank knows exactly which account to deposit into or withdraw from. Make sure you give both pieces of information when setting up direct deposit or any other transfer.

Verifying your routing number before you use it

Before you give your routing number to your employer, a creditor, or anyone else, double-check it against your checks or your online account. A single digit wrong will cause the transfer to fail or go to the wrong place.

If you are setting up direct deposit, many employers will let you enter the information and then verify it before the first payment is processed. Take advantage of that step to catch any typos. If you are sending a wire transfer, call the receiving bank to confirm they received the correct routing number before you authorize the payment.

Frequently Asked Questions

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

No. Your routing number identifies Chase Bank, while your account number identifies your specific account within Chase. You need both to set up direct deposit or transfers. The routing number is nine digits; your account number is longer and appears on your checks to the right of the routing number.

Can I use the same routing number for direct deposit and bill pay?

Yes. Both direct deposit and bill pay use ACH transfers, so they use the same routing number. Wire transfers may use a different routing number, so confirm with Chase or the receiving bank if you are sending a wire.

What happens if I give the wrong routing number?

The transfer will usually be rejected or returned to the sender. The money will not go to the wrong person's account — the banking system will not process a payment to a routing number that does not match the account number. Contact Chase or the sender to correct the information and try again.

Do I need to update my routing number if I move to a different state?

No. Your routing number is tied to where you opened the account, not where you currently live. If you move, your routing number stays the same and you do not need to update anything with Chase.

Where do I find the routing number for wire transfers?

Call Chase or check your account online — the wire transfer routing number may be different from your ACH routing number. The person or bank receiving the wire will often tell you which routing number to use, or you can ask Chase directly which one applies to your transfer.