Chase's Wire Transfer Address and Routing Information
Chase does not accept wire transfers to a street address. Instead, you send wires using Chase's ABA routing number (which varies by state and account type), your account number, and your name. The routing number and account number together tell the sending bank exactly where your money goes — they function as your wire address.
If you are receiving a wire at Chase, you will give the sender your routing number, account number, and full name. If you are sending a wire from Chase, you will provide the recipient's routing number, account number, and name to a Chase representative or through Chase's online banking platform.
Chase has multiple routing numbers depending on which state you opened your account in and what type of account you hold. The routing number is not the same across all Chase branches or all account types, so you must confirm the correct one before the wire is sent.
Key Takeaways
- Chase wires use a routing number and account number, not a mailing address — the routing number changes based on your account's home state.
- To receive a wire at Chase, give the sender your routing number, account number, and full name exactly as it appears on your account.
- To send a wire from Chase, you provide the recipient's routing number, account number, and name to Chase through online banking or by phone.
- You can find your routing number on the bottom left of your checks, in your Chase online banking account, or by calling Chase customer service.
- Wire transfers typically arrive the same business day if sent before the bank's cutoff time, usually 2 p.m. Eastern Time.
How to Find Your Chase Routing Number
Your routing number appears on the bottom left corner of any check you have from your Chase account. It is a nine-digit number printed before your account number. If you do not have checks, log into your Chase online banking account, go to your account details or account settings, and look for the routing number listed there.
You can also call Chase customer service at 1-800-935-9935 and ask for your routing number. Have your account number and a form of identification ready. Chase will confirm the routing number over the phone and can also tell you if there are any restrictions on incoming or outgoing wires for your account type.
Do not guess or use a routing number from another person's check. Each routing number is specific to a bank location and account type. Using the wrong routing number will send your wire to the wrong place, and recovering it can take weeks.
Receiving a Wire Transfer at Chase
When someone wants to send you money by wire, give them three pieces of information: your Chase routing number, your account number, and your full name exactly as it appears on your account. The sender's bank will use this information to route the wire to your Chase account.
The sender does not need your address, phone number, or email address to complete a wire. They only need the routing number, account number, and name. If the sender's bank asks for an address, they are asking for their own records, not because it affects where the wire goes.
Wires sent to Chase typically arrive within one business day. If a wire is sent before 2 p.m. Eastern Time on a business day, it often arrives the same day. Wires sent after 2 p.m. or on weekends and holidays arrive the next business day. Once the wire arrives, Chase deposits it into your account automatically.
Sending a Wire Transfer From Chase
To send a wire from Chase, you will need the recipient's routing number, account number, and full name. You can initiate a wire through Chase online banking, the Chase mobile app, or by calling Chase at 1-800-935-9935.
Online and through the app, log into your account, select the account you want to send from, and look for the wire transfer or send money option. Enter the recipient's routing number, account number, and name, then the amount. Review the details carefully — once a wire is sent, it cannot be stopped or reversed if the recipient's bank has already received it.
By phone, a Chase representative will ask you for the recipient's routing number, account number, full name, and the amount you want to send. They will repeat this information back to you to confirm it is correct. Chase charges a fee for outgoing wires, typically between $15 and $30 depending on whether the wire is domestic or international.
Chase Routing Numbers by State
Chase uses different routing numbers for different states. The most common domestic routing numbers are 021000021 (for many states), 011000015 (for California), 111000025 (for Texas), and 021000021 (for New York). However, these are not exhaustive, and your specific routing number depends on where you opened your account and your account type.
The safest way to confirm your routing number is to check your checks, log into online banking, or call Chase directly. Do not rely on a routing number you find online or from another source unless you have confirmed it with Chase first. A wrong routing number will delay your wire and may cause it to be returned.
Wire Transfer Fees and Timing at Chase
Chase charges a fee for wires you send, but not for wires you receive. Outgoing domestic wires typically cost $15, and outgoing international wires typically cost $25 to $30. Some Chase account types waive wire fees — check your account agreement or call Chase to see if your account qualifies.
Timing depends on when the wire is sent. Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day. Wires sent after 2 p.m. or on weekends, holidays, or non-business days arrive the next business day. International wires take longer — typically three to five business days — because they pass through additional banks.
Once Chase sends your wire, you cannot cancel it if the recipient's bank has already received and processed it. If you need to cancel a wire, contact Chase when ready. If the wire has not yet been processed, Chase may be able to stop it, but there is no may provide.
What to Do If a Wire Does Not Arrive
If you sent a wire and it has not arrived after the expected time, contact Chase right away. Have your confirmation number, the recipient's routing number and account number, and the amount ready. Chase can check the status of the wire and tell you whether it has been sent, is in process, or has been returned.
If the wire was sent to the wrong routing number or account number, it may have gone to a different bank or account. Chase can work with the other bank to try to recover the funds, but this process can take weeks. This is why confirming the routing number and account number with the recipient before sending is critical.
If you received a wire that you did not expect or that was sent to you by mistake, contact Chase when ready. Do not spend the money. Chase and the sending bank will work to determine whether the wire was sent in error and may reverse it.
Frequently Asked Questions
Can I wire money to a Chase branch address?
No. Wires go to routing numbers and account numbers, not to physical addresses. If you send a wire to a Chase branch address, it will not reach the intended account. Always use the routing number and account number instead.
What is the difference between a routing number and an account number?
The routing number identifies which bank and location the account is at. The account number identifies your specific account within that bank. Together, they tell the sending bank exactly where to deposit the wire. You need both to send or receive a wire.
Do I need to call Chase before receiving a wire?
No. You can receive a wire without notifying Chase in advance. straightforward give the sender your routing number, account number, and name. The wire will arrive automatically and be deposited into your account. You may want to let Chase know if you are expecting a large wire, but it is not required.
Can I send a wire on a weekend or holiday?
You can initiate a wire through Chase online banking or the app on a weekend or holiday, but Chase will not process it until the next business day. If you call Chase to send a wire on a weekend or holiday, the representative will tell you it will be sent the next business day. The recipient's bank will receive it the following business day.
What happens if I give the sender the wrong routing number?
The wire will be sent to the wrong bank or account. The sending bank may catch the error and return the wire to the sender, or the wire may be deposited into someone else's account. If this happens, contact Chase when ready and provide the confirmation number. Chase will work with the other bank to recover the funds, but this can take several weeks.