Your Chase routing number is a nine-digit code that identifies which Chase branch or processing center handles your account
The routing number tells banks and employers where to send money when you receive a direct deposit, pay a bill, or transfer funds. Chase uses different routing numbers depending on which state you opened your account in and which type of account you have. You will find it on the bottom left of your checks, in your online banking portal, or by calling Chase directly.
The routing number is not the same as your account number. Your account number identifies your specific account; the routing number identifies the bank location that processes it. You need both pieces of information to set up direct deposits or authorize electronic transfers.
Key Takeaways
- Chase routing numbers are nine digits and vary by state and account type, so you cannot assume one number works for all your accounts.
- The routing number appears on the bottom left corner of your checks, before your account number.
- You can find your routing number in Chase's online banking portal under account details, or by calling Chase customer service.
- Different Chase routing numbers exist for ACH transfers, wire transfers, and international transfers, so confirm which one you need before providing it.
Where to find your routing number on a check
The routing number is printed on the bottom left of every Chase check. It is the first set of nine digits you see, followed by your account number and then the check number on the right. The routing number uses a special magnetic ink that allows bank machines to read it automatically.
If you do not have checks or your checks are old, the number may have changed. Chase periodically updates routing numbers when it restructures its processing centers or merges branches. Do not rely on a routing number from checks more than a few years old without confirming it is still current.
How to find your routing number online
Log into your Chase online banking account and go to the account details or account information section. Most accounts display the routing number alongside your account number. The exact location varies slightly depending on whether you use Chase.com on a computer or the Chase mobile app, but it is typically under "Account Details" or "Account Settings."
If you cannot locate it in your account portal, call Chase customer service at the number on the back of your debit card. A representative can confirm your routing number over the phone and tell you which routing number to use for your specific type of transaction.
Different routing numbers for different transaction types
Chase maintains separate routing numbers for ACH transfers (electronic transfers between banks), wire transfers (faster transfers, often used for large amounts), and international transfers. The routing number you use for a direct deposit may not be the same as the one you use to send a wire transfer.
When someone asks for your routing number, ask them what they plan to do with it. If they are setting up a direct deposit, they need your ACH routing number. If they are sending a wire transfer, they need your wire routing number. Using the wrong number will delay the transaction or cause it to fail.
Routing numbers by state
Chase operates in multiple states and assigns routing numbers based on where your account is registered. A Chase account opened in New York has a different routing number than one opened in California. If you moved and transferred your account, your routing number may have changed.
You can search Chase's routing number database on their website by entering your state and account type. This tool shows you all the routing numbers associated with Chase locations in your state. If you are unsure which state your account is tied to, check your account details in online banking or call customer service.
What to do if you provide the wrong routing number
If you give someone an incorrect routing number, the transaction usually bounces back within one to three business days. The sending bank will reject it because the routing number does not match any valid bank location. The money returns to the sender, and you will need to provide the correct routing number and resubmit.
For direct deposits, a wrong routing number means your paycheck does not arrive on payday. Contact your employer's payroll department immediately with the correct routing number so they can resubmit the deposit. For bill payments, contact the company you are paying and ask them to cancel the failed payment and process a new one with the correct information.
Frequently Asked Questions
Is my routing number the same for all my Chase accounts?
Not necessarily. If you have multiple accounts at the same Chase branch, they typically share the same routing number. However, if you have accounts at different branches or in different states, the routing numbers may differ. Check each account individually in your online banking portal to confirm.
Can I use the same routing number for wire transfers and ACH transfers?
No. Chase uses different routing numbers for wire transfers and ACH transfers. Wire transfers route through a different processing system than ACH transfers, so the bank needs a different code. Always confirm which type of transfer you are making before providing your routing number.
What if I cannot find my routing number anywhere?
Call Chase customer service at the number on the back of your debit card or Chase statement. A representative can provide your routing number immediately and confirm it is current. They can also tell you which routing number to use if you have multiple accounts or need a specific type for your transaction.
Do I need to keep my routing number private?
Your routing number is not sensitive information in the way your account number or PIN is. It is printed on every check you write and is publicly available through Chase's database. However, do not share it with anyone you do not trust, and never provide it along with your full account number to someone who contacts you unexpectedly.