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 where your account was opened and whether you use a checking account, savings account, or another product type.
When you need your routing number — to set up direct deposit, arrange a wire transfer, or authorize an automatic payment — you can find the correct one in seconds. The fastest way is to look at the bottom left corner of any check you have from that account. The first nine digits printed there are your routing number.
If you do not have a check available, Chase offers several other ways to locate it without leaving your home or calling customer service.
Key Takeaways
- Your routing number appears as the first nine digits on the bottom left of any Chase check.
- Chase routing numbers vary by state, so the number for a California account differs from one opened in New York.
- You can find your routing number through Chase's website, mobile app, or by calling the customer service number on the back of your debit card.
- Wire transfers and direct deposit both require the correct routing number for your specific account, so verify before submitting.
How to find your routing number through Chase online
Log into your Chase account on chase.com or through the Chase mobile app. Navigate to your account settings or account details section — the exact location varies slightly between the website and app, but both have a dedicated area for account information.
Once you are in account details, look for a section labeled "Account Information" or "Routing and Account Numbers." Chase displays both your routing number and your account number in this section. Write down the routing number exactly as it appears; do not add or remove digits.
If you cannot locate this section after logging in, call the customer service number printed on the back of your Chase debit card. A representative can confirm your routing number over the phone and answer questions about which number to use for your specific transaction.
Routing numbers for common Chase account types
Chase maintains separate routing numbers for checking accounts, savings accounts, and money market accounts in most states. If you have multiple account types at Chase, each one may have a different routing number.
For direct deposit and automatic bill payments, use the routing number tied to the specific account where the money will land. If you are setting up direct deposit to a Chase checking account, use the checking account routing number, not the savings account number.
Wire transfers also require the correct routing number for the receiving account. Using the wrong routing number can delay the transfer or send money to the wrong place, so take the time to confirm before you submit.
Why routing numbers vary by state
Chase operates through multiple banking entities across the country, each with its own routing number. This structure dates back to how the banking system was organized decades ago, when regional banks merged or were acquired. Chase maintained separate routing numbers for each region rather than consolidating them into one.
The routing number tells the Federal Reserve and other banks which Chase entity holds your account. When you send money out of your account or receive a direct deposit, the routing number directs that transaction to the correct processing center.
This means a Chase customer in Texas uses a different routing number than a Chase customer in Florida, even though both are banking with Chase. The account number stays the same regardless of location, but the routing number is location-specific.
What to do if you cannot find your routing number
If you have exhausted the online options and do not have a check available, call Chase customer service at the number on the back of your debit card. Have your account number and a form of identification ready. A representative will provide your routing number and can clarify which number to use if you have multiple Chase accounts.
You can also visit a Chase branch in person and ask a banker to write down your routing number. Bring your debit card or a form of identification. This takes only a few minutes and gives you a written record you can keep for future reference.
Common mistakes when using routing numbers
The most frequent error is using an old routing number from a closed account or a routing number for the wrong account type. If you have had a Chase account for many years, the routing number may have changed due to bank mergers or system updates. Always verify the current number before submitting it for a new transaction.
Another common mistake is confusing the routing number with the account number. The routing number is nine digits and appears first on a check. The account number is longer, appears after the routing number, and is unique to your specific account. Both are necessary for most transactions, so make sure you are using each one in the correct field.
Wire transfers are particularly sensitive to routing number errors because the money moves quickly and cannot always be recovered if sent to the wrong place. Before you authorize a wire, have someone else double-check the routing number you entered.
Frequently Asked Questions
Is the routing number the same for all Chase customers in my state?
No. While all Chase customers in a state share the same routing number for a given account type, customers in different states have different routing numbers. Additionally, if you have both a checking and savings account at Chase in the same state, each account type may have a separate routing number.
Can I use the routing number from my check for a wire transfer?
Yes. The routing number printed on your check is the correct one to use for wire transfers, direct deposits, and automatic payments. It is the same routing number Chase displays in your online account settings.
What happens if I use the wrong routing number?
If you use an incorrect routing number, the transaction may be delayed while the banking system tries to locate the correct destination. In some cases, the money may be returned to the sender. For wire transfers, contact Chase immediately if you realize you used the wrong number, as the bank may be able to intercept the transfer.
Do I need a different routing number for mobile payments or Venmo?
No. Mobile payment apps and peer-to-peer services like Venmo connect to your Chase account using your account number and the routing number associated with that account. You do not need a separate routing number for these services.