Your routing number is on the bottom left of your checks, or you can find it online through your Chase account
The routing number is a nine-digit code that tells other banks which Chase branch holds your account. You need it to set up direct deposit, receive wire transfers, or pay bills through another bank's system. Chase has multiple routing numbers depending on which state your account is based in, so the number you need depends on where you opened the account, not where you live now.
The fastest way to find it is to look at a check from your checking account — the routing number is the first set of nine digits on the bottom left, before your account number. If you do not have checks handy, you can find it in your Chase online banking portal or by calling Chase customer service.
Key Takeaways
- Your routing number appears on the bottom left of any Chase check, before your account number.
- Chase has different routing numbers for different states, so the correct number depends on which state your account is based in.
- You can find your routing number by logging into Chase.com, calling Chase, or visiting a branch in person.
- Wire transfers and direct deposit both require the correct routing number for your specific account.
Finding your routing number through Chase online banking
Log into Chase.com or the Chase mobile app with your username and password. Go to your checking account details — this is usually labeled "Account Information" or "Account Details" depending on which device you are using. The routing number is listed there alongside your account number.
If you have multiple Chase accounts, make sure you are looking at the account you actually need the routing number for. A savings account and a checking account at Chase may have the same routing number, but if you have accounts in different states, the routing numbers will differ.
Finding your routing number by phone or in person
Call Chase customer service at the number on the back of your debit card. A representative can tell you your routing number over the phone and confirm which state your account is based in. This takes about five minutes and requires your account number or Social Security number to verify your identity.
You can also visit any Chase branch with a photo ID and ask a teller for your routing number. They will look it up in their system and write it down for you. This is useful if you want to confirm the number in person or if you are having trouble accessing your online account.
Understanding why Chase has multiple routing numbers
Chase is a national bank with branches in many states. Each state has its own routing number, and your routing number is determined by the state where you opened your account. If you opened your account in California, your routing number will be the California routing number even if you move to Texas later.
This matters because some transactions — particularly wire transfers — require the routing number that matches your account's home state. Using the wrong routing number can delay the transaction or cause it to fail. If you have moved and are unsure which state your account is based in, Chase customer service can confirm this for you.
Common Chase routing numbers by state
Chase routing numbers vary by state. A few examples: accounts opened in New York use 021000021, accounts in California use 322271627, and accounts in Texas use 111000025. However, do not rely on these examples — always verify your specific routing number through your checks, online account, or by calling Chase, because using the wrong number can cause payment delays or failed transfers.
If you are unsure which state your account is based in, your Chase statement will show it, or you can ask customer service. They can confirm your account's home state and give you the correct routing number in one call.
What to do if you cannot find your routing number
If you have lost your checks and cannot access your online account, call Chase at the number on your debit card. You will need to verify your identity with your account number or Social Security number. The representative will give you your routing number and can also send you replacement checks if you need them.
If you are setting up direct deposit or a bill payment and need the routing number right away, calling is usually the fastest option. Chase customer service is available during business hours and can confirm the number in a few minutes.
Frequently Asked Questions
Is the routing number the same for all my Chase accounts?
It depends on which state each account is based in. If all your accounts are in the same state, they share the same routing number. If you have accounts in different states, each will have a different routing number. Check your statements or online account to confirm which state each account is based in.
Can I use any Chase routing number, or does it have to match my account?
You must use the routing number that matches your account's home state. Using the wrong routing number can cause wire transfers to fail or direct deposit to be delayed. Always verify your specific routing number before submitting it to your employer or another bank.
What is the difference between a routing number and an account number?
The routing number identifies which bank and state your account is at. Your account number identifies your specific account within that bank. Both are needed for direct deposit and wire transfers. On a check, the routing number is the first nine digits on the bottom left, and your account number follows it.
Do I need a routing number to transfer money between my own Chase accounts?
No. Transfers between your own Chase accounts can be done through online banking or the mobile app without a routing number. You only need a routing number when transferring money to or from accounts at other banks, or when setting up direct deposit from an employer.
What if I have an old Chase check with a different routing number?
Chase occasionally updates routing numbers when branches merge or reorganize. If your old checks show a different number, use the current routing number from your online account or a recent check instead. Calling Chase can confirm whether your routing number has changed.