Chase's routing number depends on which state your account was opened in
Chase does not have a single routing number for the entire bank. Instead, Chase uses different routing numbers based on the state where your branch is located or where you opened your account. The routing number tells the banking system which Chase location processes your account, so using the wrong one can delay transfers or cause payments to fail.
Your routing number is a nine-digit code printed on the bottom left of your checks. If you have checks, that is the fastest way to find it. If you do not have checks or cannot locate them, you can find your routing number through your Chase online account, by calling Chase customer service, or by looking it up on Chase's website using your state.
Key Takeaways
- Chase routing numbers are state-specific, so the number for a California account differs from one opened in New York.
- Your routing number appears on the bottom left of your checks as the first nine digits.
- You can find your routing number by logging into your Chase online account, calling Chase at 1-800-935-9935, or searching Chase's routing number lookup tool by state.
- Using the wrong routing number can delay direct deposits, bill payments, or wire transfers by several business days.
- The routing number is different from your account number, which is also printed on your checks but appears to the right of the routing number.
How to locate your routing number on a check
If you have a Chase checkbook, your routing number is printed on the bottom left corner of every check. It is always a nine-digit number. The format looks like this: the routing number comes first, then your account number (which is longer), then the check number on the far right.
Make sure you are reading the correct set of numbers. The routing number is the shortest of the three groups at the bottom of the check. Write it down exactly as it appears, with all nine digits, because even one wrong digit will send the money to the wrong place.
Finding your routing number through Chase online banking
Log into your Chase account on the Chase website or mobile app. Go to your account details or account information section — the exact location varies slightly between the website and app, but it is usually under "Account" or "Settings." Your routing number should be listed alongside your account number.
If you cannot find it in your account details, you can also call Chase customer service at 1-800-935-9935. A representative can confirm your routing number over the phone. Have your account number ready when you call.
Using Chase's routing number lookup tool
Chase maintains a routing number lookup tool on its website where you can search by state. Go to the Chase website, search for "routing number," and select your state from the list. The tool will show you the routing numbers for Chase branches in that state.
If you opened your account in one state but have since moved, use the state where you originally opened the account, not your current location. Your routing number does not change when you move. If you are unsure which state your account is tied to, call Chase or check your account details online.
Common reasons you need your routing number
You need your routing number when setting up direct deposit for your paycheck, arranging automatic bill payments, or receiving a wire transfer from another bank. Employers ask for it to deposit your salary. Utility companies, insurance providers, and loan servicers ask for it to withdraw payments automatically from your account.
If you are sending money to someone else's Chase account from a different bank, you will need their routing number along with their account number. The routing number tells the sending bank which Chase location to route the money to, and the account number identifies the specific person within that location.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transfer may be rejected outright, or it may be delayed by several business days while the banking system tries to sort out where the money should go. In some cases, the money might go to a different account or a different bank entirely, which creates a more serious problem that takes longer to fix.
Always double-check your routing number before submitting it for direct deposit, wire transfers, or automatic payments. If you have already submitted a wrong number and the transfer has not gone through, contact Chase immediately to correct it before the payment is processed.
Routing number versus account number
Your routing number and account number are two separate pieces of information, and both appear on your checks. The routing number identifies which bank and branch processes your account. Your account number identifies your specific account within that bank. You need both pieces of information to complete most transfers.
Think of it this way: the routing number is like the address of the bank branch, and your account number is like your mailbox at that branch. The routing number gets the money to the right location; the account number makes sure it lands in your mailbox, not someone else's.
Frequently Asked Questions
Is my Chase routing number the same everywhere?
No. Your routing number is tied to the state where you opened your account. If you opened your account in Texas, your routing number is a Texas routing number, even if you have moved to Florida. Your routing number does not change when you relocate or switch branches.
Can I find my routing number on my debit card?
No. Your debit card does not display your routing number. You can find it on your checks, through your online account, or by calling Chase customer service. Your debit card shows your card number and expiration date, but not your routing number.
What if I do not have checks?
Log into your Chase online account and look for your account details, or call Chase at 1-800-935-9935. You can also use Chase's routing number lookup tool on their website by selecting your state. You do not need checks to find this information.
Do I need a different routing number for wire transfers?
No. The same routing number works for direct deposits, automatic bill payments, and wire transfers. One routing number covers all types of transfers to or from your Chase account.