Chase routing numbers depend on which state you bank in and what type of account you have

Chase does not have a single routing number for the entire bank. Instead, Chase maintains different routing numbers for different states and account types. The routing number you need is determined by the state where your branch is located, not where you currently live. If you opened your account at a Chase branch in California, your routing number will be a California routing number even if you have since moved to Texas.

Your routing number is a nine-digit code that identifies your specific bank and branch to other financial institutions. You need it when setting up direct deposit, arranging wire transfers, or authorizing automatic payments. Using the wrong routing number can delay transactions or send money to the wrong account.

Key Takeaways

  • Chase routing numbers vary by state, so you need to know which state your account was opened in to find the correct one.
  • You can find your routing number on the bottom left of your checks, in your Chase online banking account, or by calling Chase customer service.
  • Common Chase routing numbers include 121000248 for California, 044000037 for New York, and 111000025 for Texas, but your specific number depends on your account location.
  • If you use the wrong routing number, your transaction may fail or be delayed, so verify the number before submitting it to your employer or another financial institution.

Finding your routing number on your checks

The easiest way to locate your routing number is to look at a check from your Chase account. On the bottom left corner of the check, you will see nine digits printed in a specific order. The first nine digits are your routing number. The next set of digits is your account number, and the final digits are the check number.

If you do not have checks or prefer not to use them, this method may not work for you. However, if you have even one check available, this is the fastest way to confirm your exact routing number without making a phone call or logging into your account.

Checking your routing number in Chase online banking

Log into your Chase account through the Chase website or mobile app. Navigate to your account details or account information section — the exact location varies slightly depending on whether you are using the website or app. Look for a section labeled "Account Details," "Routing Number," or "Bank Information."

Chase will display your routing number alongside your account number and other account details. This method works at any time of day and does not require you to have physical checks. If you cannot find the routing number in your account details, try searching within the help or FAQ section of your online banking portal for "routing number."

Calling Chase customer service for your routing number

You can call Chase customer service at 1-800-935-9935 to ask for your routing number. Have your account number and a form of identification ready when you call. The representative will verify your identity and provide your routing number over the phone.

This method takes longer than checking your checks or online account, but it works if you cannot access your account or do not have checks available. Customer service lines may have wait times during business hours, particularly early in the morning or around lunch time.

Common Chase routing numbers by state

Chase uses different routing numbers across the country. Some of the most commonly used Chase routing numbers include 121000248 for California, 044000037 for New York, 111000025 for Texas, 071000013 for Illinois, and 325070760 for Florida. However, these are not the only routing numbers Chase uses in these states, and your specific number depends on which branch location your account is tied to.

Do not assume your routing number based on your state alone. Always verify your routing number through one of the methods above before providing it to your employer, a creditor, or another financial institution. Using an incorrect routing number can cause your direct deposit to fail or your bill payment to be delayed.

What happens if you use the wrong routing number

If you provide an incorrect routing number, the transaction may be rejected outright, or it may be accepted and then returned to the sender after a delay. Direct deposits sent to the wrong routing number typically bounce back to your employer's payroll system within one to three business days, which means you will not receive your paycheck on the expected date.

Wire transfers sent to the wrong routing number are harder to recover. The money may end up in another bank's system, and retrieving it requires contacting both Chase and the receiving bank. This process can take weeks. For this reason, it is worth taking an extra minute to confirm your routing number before submitting it anywhere.

Routing number versus account number

Your routing number and account number are two different pieces of information that work together. The routing number identifies Chase and your specific branch. Your account number identifies your individual account within that branch. You need both pieces of information to set up direct deposit or authorize automatic payments.

Your routing number is the same for all transactions from your account. Your account number never changes unless you close the account and open a new one. Both numbers appear on the bottom of your checks in a specific order: routing number first, then account number, then check number.

Frequently Asked Questions

Is the routing number the same for all Chase customers?

No. Chase uses different routing numbers based on the state where your account was opened and sometimes the specific branch. Two Chase customers in the same state may have different routing numbers if their accounts are tied to different branch locations.

Do I need a different routing number for wire transfers versus direct deposit?

No. The same routing number works for wire transfers, direct deposit, automatic bill payments, and other electronic transactions. You do not need to look up multiple routing numbers for different transaction types.

What if I moved to a different state after opening my Chase account?

Your routing number does not change when you move. It remains tied to the state and branch where you originally opened the account. You can continue using the same routing number for all transactions, even if you now live in a different state.

Can I find my routing number on my debit card?

No. Your debit card does not display your routing number. You will need to check your checks, log into your online account, or call Chase customer service to find this information.

How long does it take to receive direct deposit if I provide the correct routing number?

Direct deposits typically arrive one to two business days after your employer submits the transaction, though timing depends on your employer's payroll schedule and your bank's processing speed. The routing number itself does not affect how long the deposit takes — only whether it reaches the correct account.