Your Chase routing number depends on which state your account is held in

Chase does not use a single routing number for all customers. The routing number you need for ACH transfers — the electronic system that moves money between bank accounts — is tied to the state where your account was opened or is maintained. If you opened your account in California, your routing number differs from someone who opened theirs in New York or Texas.

The most reliable way to find your specific routing number is to check a document Chase has already sent you or to log into your Chase account online. Guessing or using a number you find online risks sending money to the wrong place, which can delay transfers by days or cause them to fail entirely.

Key Takeaways

  • Your Chase routing number is printed on the bottom left of your checks, if you have them, and is the first nine-digit number shown.
  • You can find your routing number by logging into Chase.com or the Chase mobile app and viewing your account details under settings.
  • Chase routing numbers vary by state, so the number for a California account will not work for a New York account.
  • When setting up ACH transfers with an employer or bill payment service, enter your full account number along with your routing number to avoid sending funds to the wrong account.

Check your printed checks

If you have a checkbook, your routing number is printed on every check. Look at the bottom left corner of the check. You will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number. The second group is your account number. The third is the check number.

This method works only if your checks are current. If you ordered checks years ago and your account has changed, the routing number may no longer be accurate, though this is rare with Chase.

Log into your Chase online account

Open Chase.com or the Chase mobile app and sign in with your username and password. Navigate to your account settings or account details — the exact location varies slightly between the website and the app, but both have a section labeled "Account Information" or "Routing Number."

Once you find this section, you will see your routing number displayed alongside your account number. This is the fastest and most current method, since the information comes directly from Chase's system and updates if your account structure changes.

Call Chase customer service

If you cannot access your account online or prefer to speak with someone, call the number on the back of your Chase debit or credit card. A representative can provide your routing number over the phone. Have your account number or card number ready to verify your identity.

This method takes longer than checking online but works if you are locked out of your account or do not have access to a computer or phone with the app.

Understanding routing numbers versus account numbers

A routing number identifies the bank branch or processing center. An account number identifies your specific account within that bank. For ACH transfers to work, you need both. If you provide only the routing number, the transfer will not reach your account. If you provide only the account number without the routing number, the receiving bank will not know which Chase location to send the money to.

When an employer asks for your "banking information" for direct deposit, or when you set up a bill payment through another bank, you will be asked for both numbers. Write them down correctly — a single digit wrong in either number can cause the transfer to fail or go to someone else's account.

What to do if you cannot find your routing number

If you have tried checking your checks and logging into your account and still cannot locate it, contact Chase directly. Call the customer service number on your card, visit a Chase branch in person, or use the chat feature on Chase.com. Have your account number or Social Security number ready for verification.

Do not use a routing number you find on a third-party website without confirming it through Chase first. Scam sites sometimes list incorrect numbers to intercept transfers, and even legitimate financial websites occasionally have outdated information.

Frequently Asked Questions

Is my Chase routing number the same for checking and savings accounts?

If both accounts are held at the same Chase branch or in the same state, yes. However, if you have accounts in different states, each will have its own routing number. Check your account details for each account separately to be certain.

Can I use the same routing number for wire transfers and ACH transfers?

No. Wire transfers use a different routing number than ACH transfers at Chase. When setting up a wire transfer, Chase will provide you with a separate wire routing number. Always confirm which type of transfer you are making before entering the number.

What happens if I use the wrong routing number?

The transfer may fail and be returned to the sender within one to three business days, or it may go to a different account at Chase or another bank. Contact Chase immediately if you realize you used the wrong number. They can sometimes intercept the transfer, but the sooner you report it, the better your chances.

Do I need a different routing number if I move to another state?

Not automatically. Your existing routing number remains valid for your account. However, if you close your account and open a new one in a different state, the new account will have a routing number tied to that state.