Chase's routing number for wire transfers is 021000021, but you may need a different number depending on your account type and where you bank

Chase uses the routing number 021000021 for most domestic wire transfers sent from Chase accounts. However, this number does not work for every situation. Some Chase accounts — particularly those held at branches in certain states or older accounts opened under different Chase entities — may use a different routing number. International wire transfers also require a different code called a SWIFT number, not a routing number.

The safest way to confirm the correct routing number for your specific account is to check your Chase bank statement, call Chase directly, or log into your Chase online banking portal. Your statement lists your routing number in the bottom left corner. If you send a wire using the wrong routing number, the transfer may be delayed, rejected, or sent to the wrong bank.

Key Takeaways

  • Chase's primary domestic wire routing number is 021000021, but some accounts may use a different number based on account type or branch location.
  • Your Chase bank statement shows your correct routing number in the bottom left corner, making it the fastest way to verify before sending a wire.
  • International wire transfers from Chase require a SWIFT code (CHASUS33) instead of a routing number.
  • Calling Chase customer service at the number on the back of your debit card or checking your online banking portal can confirm the routing number for your specific account.

Where to find your routing number on a Chase statement

Open a recent Chase bank statement — either a paper statement or one you read from your online account. Look at the bottom left corner of the first page. You will see a series of numbers separated by colons or dashes. The first set of numbers is your routing number. This number is specific to your account and branch, so it is the most reliable source.

If you do not have a recent statement, you can request one through your Chase online banking account or by calling the customer service number on the back of your debit card. Chase can mail a statement to you or provide the routing number verbally over the phone.

When Chase routing number 021000021 may not be correct

The routing number 021000021 works for the majority of Chase customers, but exceptions exist. Chase acquired other banks over the years — including Washington Mutual, WAMU, and regional Chase entities — and some older accounts still carry those institutions' routing numbers in the system. If your account was opened before a merger or at a specific branch location, your routing number might differ.

Additionally, if you hold a Chase business account, a Chase Premier Plus account, or an account at a Chase Private Client branch, your routing number may be different from the standard consumer number. The only way to know for certain is to check your statement or contact Chase directly.

How to verify your routing number through Chase online banking

Log into your Chase online banking account on chase.com or through the Chase mobile app. Navigate to the account details or account information section — the exact location varies depending on whether you use the website or app. Look for a section labeled "Routing Number," "Account Details," or "Wire Instructions."

Chase displays your routing number alongside your account number in this section. Some accounts also show alternative routing numbers if your account is may be able to access to use more than one. Write down the routing number shown for your specific account before initiating a wire transfer.

International wire transfers and SWIFT codes

If you are sending money outside the United States, you need a SWIFT code, not a routing number. Chase's SWIFT code is CHASUS33. SWIFT codes identify banks in the international banking system, while routing numbers work only within the United States.

When sending an international wire from Chase, you will provide the recipient's bank SWIFT code (not Chase's) along with the recipient's account number and bank address. If you are receiving an international wire into your Chase account, the sender will use CHASUS33 plus your account number and Chase's address to route the money to you.

What happens if you use the wrong routing number

If you send a wire with an incorrect routing number, the receiving bank may reject it and return the funds to your Chase account. This process typically takes three to five business days. In some cases, the wire may be delayed while the banking system attempts to locate the correct destination, which can take a week or longer.

Occasionally, a wire sent to the wrong routing number reaches a different bank or account by mistake. Once money leaves your account, Chase cannot reverse a wire transfer. If this happens, you will need to contact the receiving bank to attempt recovery, which is not always possible. This is why confirming the routing number before sending is critical.

Frequently Asked Questions

Is 021000021 the routing number for all Chase accounts?

No. While 021000021 is Chase's primary routing number, some accounts use different numbers based on account type, branch location, or when the account was opened. Always check your statement or contact Chase to confirm your specific routing number before sending a wire.

Can I use my account number instead of a routing number?

No. A routing number and an account number are different. The routing number tells the banking system which bank to send the money to; the account number identifies which account at that bank receives the funds. You need both to complete a wire transfer.

What if my Chase statement does not show a routing number?

Older statements or certain account types may not display the routing number prominently. Call Chase customer service at the number on the back of your debit card, log into your online banking account, or visit a Chase branch in person. A representative can provide your routing number within minutes.

Do I need a different routing number for transfers between my own Chase accounts?

No. Transfers between your own Chase accounts typically do not require a routing number at all. You can move money between your accounts through Chase online banking or the mobile app by selecting "Transfer" and choosing your accounts. These internal transfers are faster and do not use the wire system.

What is the difference between a routing number and a SWIFT code?

A routing number identifies a specific bank branch within the United States and is used only for domestic transfers. A SWIFT code identifies a bank globally and is used for international wire transfers. Chase's SWIFT code is CHASUS33, while its routing number is 021000021 (or your account-specific number).