Finding Your Chase Bank Routing Number

Chase routing numbers depend on where you bank and what you're doing

Chase does not have a single routing number for all customers. The number you need depends on which state your branch is in and whether you're setting up a direct deposit, wire transfer, or ACH payment. A routing number is a nine-digit code that tells the banking system which Chase location to send money to.

The most common Chase routing number is 021000021, which covers many Chase branches across the United States. However, if your account is held at a Chase branch in New York, you may have a different routing number. Before you give out a routing number, confirm it matches your specific branch location.

Key Takeaways

• Chase's primary routing number 021000021 works for most customers, but some states and account types use different numbers.
• You can find your correct routing number by logging into your Chase account online, calling Chase customer service, or visiting your local branch.
• The routing number you need may differ depending on whether you're setting up direct deposit, making a wire transfer, or authorizing an ACH payment.
• Your account number and routing number together identify your specific account to other banks and employers.

How to find your routing number through Chase online banking

Log into your Chase account at chase.com and navigate to the account details or account information section. Most Chase accounts display the routing number alongside your account number. You can also look at a check from your checking account — the routing number appears as the first set of nine digits at the bottom left of the check.

If you cannot find it online, call Chase customer service at the number on the back of your debit card. A representative can confirm the correct routing number for your specific branch and account type. Having your account number ready will speed up the process.

Routing numbers for different Chase account types

Chase uses the same routing number for most checking and savings accounts held at the same branch. However, some specialty accounts or accounts opened through specific Chase divisions may have different routing numbers. For example, if you hold an account through Chase Private Client or a business banking division, the routing number may differ from a standard personal checking account.

When you set up direct deposit through your employer, ask your HR department whether they need your routing number or your account number first. Some employers ask for both. If you're unsure which number to provide, contact Chase directly rather than guessing — using the wrong routing number can delay your paycheck or cause the deposit to fail.

Wire transfers and ACH payments

The routing number for wire transfers is sometimes different from the routing number for ACH payments, though Chase often uses 021000021 for both. Wire transfers move money between banks within hours, while ACH payments typically take one to three business days. If you're sending a wire transfer to or from a Chase account, confirm the routing number with the recipient or with Chase before you send the money.

For ACH payments — such as automatic bill payments or transfers between your own accounts at different banks — use the routing number from your Chase checks or online banking portal. If the payment fails, the receiving bank will usually tell you whether the routing number was incorrect.

Chase routing numbers by state

Most Chase branches nationwide use 021000021. However, Chase branches in New York may use 021000021 or a different number depending on the specific branch location. If you opened your account at a Chase branch in another state and later moved, your routing number typically stays the same.

If you're unsure whether your branch uses a different routing number, the safest approach is to check your checks, log into online banking, or call Chase. Do not rely on a routing number you find online without confirming it matches your branch, because using an incorrect number can cause delays or failed transactions.

What happens if you use the wrong routing number

If you provide an incorrect routing number for direct deposit, your paycheck may be delayed or sent to the wrong bank. Your employer's payroll system will typically reject the deposit and notify you of the error. You'll need to provide the correct routing number and resubmit it, which may delay your next paycheck by one or two pay periods.

For wire transfers, using the wrong routing number can result in the money being sent to a different bank or account. Some wire transfers cannot be reversed once sent. Before you wire money, double-check the routing number with the recipient and with Chase. If you accidentally send money to the wrong place, contact Chase when ready — they may be able to recall the transfer, but this is not always possible.

Frequently Asked Questions

Is 021000021 the routing number for all Chase accounts?

021000021 is the most common Chase routing number and works for most personal checking and savings accounts across the United States. Some accounts, particularly those held at Chase branches in New York or through specialty banking divisions, may use a different routing number. Check your checks or online banking to confirm your specific number.

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

Yes, in most cases. Chase typically uses the same routing number for direct deposits, ACH payments, and automatic bill payments from the same account. However, if you're unsure, confirm the routing number with Chase or check your checks before setting up a new payment.

What's the difference between a routing number and an account number?

A routing number identifies which bank and branch holds your account. Your account number identifies your specific account at that bank. Together, they tell another bank exactly where to send your money. Both appear on your checks — the routing number is the first nine digits at the bottom left, and your account number follows it.

Where do I find my routing number if I don't have checks?

Log into your Chase online banking account and look for account details or account information. You can also call Chase customer service at the number on the back of your debit card. A representative will provide your routing number within minutes.

Do I need a different routing number if I moved to a different state?

No. Your routing number is tied to the branch where you opened your account, not your current location. If you opened your account at a Chase branch in California and moved to Texas, your routing number stays the same. You do not need to update it unless you close the account and open a new one at a different branch.