Finding Your Chase Bank Routing Number

What a Chase routing number is and where to find 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 send money through wire transfer, set up direct deposit, or arrange automatic bill payments, you give the receiving bank or employer this number so they know exactly which Chase branch to send the money to.

You can find your routing number in three places: on the bottom left corner of your checks (it's the first set of numbers), through your Chase online banking portal, or by calling Chase customer service at 1-800-935-9935. The routing number on your checks is the fastest option if you have a checkbook handy.

Key Takeaways

• Your Chase routing number is a nine-digit code printed on the bottom left of your checks, before your account number.
• Chase routing numbers vary by state and account type, so the number for a checking account in California may differ from one in New York.
• You need your routing number when setting up direct deposit, wire transfers, or automatic bill payments.
• You can confirm your routing number through your Chase mobile app, online banking, or by calling customer service.

How routing numbers work in banking

When you provide a routing number, you're telling another bank or employer: "This is the Federal Reserve routing code for my bank, and this is where my account lives." The first four digits identify Chase itself. The next four digits identify the specific Chase branch or processing center. The final digit is a check digit that the banking system uses to verify the number wasn't typed incorrectly.

Think of it like an address for your money. Your account number is like your apartment number, and your routing number is like the street address of the building. Without the routing number, the bank receiving your transfer wouldn't know which Chase location to contact.

Finding your routing number through Chase online banking

Log into your Chase account on chase.com or through the Chase mobile app. Go to the account details or account information section — the exact location varies slightly depending on whether you're using a computer or phone, but it's usually under "Account Settings" or "Profile." Your routing number will be listed there alongside your account number.

If you're looking at a specific account (checking, savings, money market), make sure you're viewing the right one, because some Chase customers have multiple accounts. The routing number for a checking account and a savings account at Chase may be the same, but it's worth confirming you're looking at the account you need.

Routing numbers for different Chase account types

Chase uses the same routing number for most checking and savings accounts within the same state. However, if you have a Chase business account, a Chase Premier account, or an older account that was transferred to Chase through a merger, your routing number might differ. Money market accounts typically use the same routing number as your checking account at the same branch.

If you're unsure whether your account type has a different routing number, the safest approach is to look it up through your online banking portal or call Chase directly. Providing the wrong routing number won't send your money to the wrong person — the transfer will be rejected or delayed — but it's better to confirm before you set up automatic payments or direct deposit.

When you need to provide your routing number

You'll need your routing number when your employer sets up direct deposit, when you arrange a wire transfer to another bank, when you set up automatic bill payments through Chase, or when you're receiving money from another bank or service. Some online payment platforms also ask for your routing number when you link your Chase account to their system.

You do not need your routing number to make purchases with your debit card, to withdraw cash from an ATM, or to transfer money between your own Chase accounts. You also don't need it to pay someone through Chase's peer-to-peer payment service — that uses your account number or email address instead.

What to do if you can't find your routing number

If you don't have checks and can't access your online banking account, call Chase customer service at 1-800-935-9935. Have your account number and a form of ID ready. A representative can tell you your routing number over the phone in a few minutes. You can also visit a Chase branch in person and ask a teller to write it down for you.

Chase also publishes a list of routing numbers by state on their website, though you'll need to know which state your account was opened in. If you opened your account at a Chase branch in Illinois but now live in Florida, your routing number is still the Illinois one.

Frequently Asked Questions

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

No. Your routing number is nine digits and identifies Chase and your branch. Your account number is longer (usually 10 to 12 digits) and identifies your specific account. Both appear on your checks — the routing number is on the left, your account number is in the middle.

Do all Chase customers in the same state have the same routing number?

Most do, but not all. The routing number depends on which Chase processing center handles your account, which is usually determined by the state where you opened it. However, some older accounts or accounts opened through mergers may have different routing numbers even in the same state.

Can I use someone else's routing number to send them money?

No. You need the recipient's routing number and their account number. Using the wrong routing number will cause the transfer to fail or be rejected. Always confirm both numbers with the person or organization you're sending money to.

What happens if I give the wrong routing number?

The transfer will typically be rejected or returned to you within a few business days. The money won't go to the wrong person — the receiving bank will recognize the routing number doesn't match the account number and send it back. Contact the recipient to get the correct routing number and try again.

Does Chase have the same routing number for wire transfers and ACH transfers?

Yes. The routing number is the same regardless of the type of transfer. Whether you're sending an ACH transfer (which takes one to three business days) or a wire transfer (which is faster), you use the same nine-digit routing number.