Chase routing numbers depend on where your account is and which service you're using
Chase has different routing numbers for different regions and for different types of transfers. The routing number you need for a wire transfer is not the same as the one printed on your checks. When you send a wire from Chase, you use a routing number that corresponds to your account location and the wire service itself — either domestic wires through the Federal Reserve or international wires through SWIFT.
The fastest way to find the correct number is to call Chase directly at 1-800-935-9935 or log into your Chase online banking account and look in the wire transfer section. Chase also publishes a list of routing numbers by state on their website, though the number you need depends on whether you're sending money within the United States or internationally.
Key Takeaways
- Chase routing numbers for wire transfers differ by state and by wire type, so you cannot use the number from your checks.
- Domestic wire transfers use a Federal Reserve routing number specific to your account's home state.
- International wire transfers use Chase's SWIFT code (CHASUS33) plus an additional routing number for the receiving country.
- You can find your correct routing number by calling Chase customer service, logging into online banking, or checking Chase's published routing number list.
- Entering the wrong routing number will delay or reject your wire, so verify the number with Chase before sending.
Domestic wire routing numbers by state
Chase assigns a nine-digit routing number to each state where it operates. Your domestic wire routing number is determined by the state where your account is registered, not where you physically live or where you are sending money. For example, if your Chase account is based in California, you use California's routing number even if you are wiring money to someone in Texas.
The routing numbers are published on Chase's website under their routing number lookup tool. You can also find them by calling Chase at 1-800-935-9935 and providing your account state. Some of the most common Chase routing numbers include 121000248 for California, 011000015 for New York, and 071000013 for Illinois, but these change and vary by account type, so do not rely on memory.
When you initiate a wire transfer through Chase online banking or at a branch, the system usually fills in the routing number automatically based on your account information. If you are sending a wire on behalf of someone else or through a third-party service, you will need to enter the routing number manually, which is when errors most often occur.
International wire transfers and SWIFT codes
International wires from Chase use a different system than domestic wires. Instead of a nine-digit routing number, international transfers use Chase's SWIFT code, which is CHASUS33. This code tells the receiving bank that the money is coming from Chase in the United States.
In addition to the SWIFT code, you may also need to provide an ABA routing number for the specific Chase branch or processing center handling your wire. Chase will provide this number when you request it for an international transfer. The receiving bank's SWIFT code and account information are also required, and these come from the person or organisation receiving the money, not from Chase.
International wires typically take three to five business days and may include currency conversion fees. Chase charges a flat fee for outgoing international wires, which varies by account type. The receiving bank may also charge a fee on their end.
How to find your routing number in Chase online banking
Log into your Chase account at chase.com and navigate to the wire transfer section, usually found under "Transfers" or "Send Money." Chase displays the correct routing number for your account type and location in the wire transfer form. You can also view it by going to your account settings or the details page for your specific checking or savings account.
If you cannot find the routing number in online banking, you can request it directly through the find message feature in your account. Chase customer service will respond within one business day with the correct number for your wire type and account location.
What happens if you use the wrong routing number
If you enter an incorrect routing number, the wire may be rejected by the Federal Reserve or the receiving bank before it leaves Chase. In this case, Chase will notify you and the money stays in your account. You can then correct the routing number and resend the wire.
If the wire reaches a bank with a routing number that exists but does not match the receiving account, that bank may reject it and send it back to Chase, which takes an additional two to three business days. Some banks will hold the money temporarily while they attempt to locate the correct account, which can delay the transfer by a week or more.
Once a wire is sent, you cannot cancel it if it has already left Chase's system. For this reason, it is critical to verify the routing number, the receiving account number, and the receiving bank name before you confirm the transfer.
Wire transfer fees and processing times at Chase
Chase charges a fee for outgoing domestic wire transfers, typically between $15 and $25 depending on your account type and whether you send the wire online or at a branch. Some Chase accounts waive wire transfer fees if you maintain a minimum balance or have direct deposit set up. International wire transfers cost more, usually $40 to $50.
Domestic wires sent before 2 p.m. Eastern Time on a business day usually arrive the same day or the next business day. Wires sent after 2 p.m. or on weekends and holidays are processed the next business day. International wires take longer because they pass through multiple banks and currency conversion systems, typically three to five business days.
Frequently Asked Questions
Is the routing number on my Chase checks the same as my wire transfer routing number?
No. The routing number printed on your checks is for processing checks through the clearing system. Wire transfers use a different routing number specific to your account location and the wire service. Always use the routing number Chase provides for wire transfers, not the one on your checks.
Can I use the same routing number for all my Chase accounts?
It depends on your accounts. If all your Chase accounts are in the same state and the same account type, they may share a routing number. However, if you have accounts in different states or different types (such as a business account and a personal account), each may have a different routing number. Verify with Chase for each account you use.
What if Chase asks for a wire routing number and a SWIFT code?
This usually happens with international wires. The wire routing number is the ABA number for the specific Chase processing center, and the SWIFT code is CHASUS33. Chase will provide both numbers when you request them for an international transfer. Do not confuse them or use one in place of the other.
How long does a wire transfer take if I use the correct routing number?
Domestic wires sent before 2 p.m. Eastern Time on a business day typically arrive the same day or next business day. International wires take three to five business days. Delays can occur if the receiving bank needs additional information or if there are currency conversion issues, but these are separate from routing number errors.
Where do I find Chase's routing number list?
Chase publishes a routing number lookup tool on their website at chase.com. You can search by state or account type. You can also call Chase at 1-800-935-9935 and provide your account information, and they will give you the correct routing number for your wire transfer.