Chase routing numbers depend on where you live and which type of account you have

Chase does not have a single routing number for the entire bank. Instead, routing numbers are assigned by region and sometimes by account type. The routing number you need is determined by the state where your Chase branch is located, not where you currently live or where you're sending money.

If you're setting up a direct deposit, making a wire transfer, or arranging an automatic payment, you'll need the routing number that matches your specific Chase account. Using the wrong routing number can delay transactions or send money to the wrong place.

Key Takeaways

  • Chase routing numbers vary by state, so you must identify which state your account is registered to, not where you live now.
  • Your Chase debit card, checkbook, or online banking portal all display your routing number without needing to call or visit a branch.
  • The routing number for wire transfers is sometimes different from the routing number for ACH transfers (direct deposits and bill payments), so confirm which type of transaction you're making.
  • If you cannot find your routing number online, calling Chase customer service or visiting a local branch takes about five minutes.

Where to find your routing number right now

The fastest way to find your routing number is to check a check from your Chase account. The routing number is the first nine digits printed at the bottom left of the check, before your account number. If you don't have checks handy, log into your Chase online banking account or mobile app and look for account details or account information — most accounts display the routing number there.

You can also call Chase customer service at the number on the back of your debit card. Have your account number ready, and they will give you the routing number in under a minute. If you have a Chase branch nearby, any teller can write down your routing number while you wait.

Common Chase routing numbers by state

Chase maintains different routing numbers for different regions. Some of the most commonly used Chase routing numbers are 021000021 (for many states including New York, California, and Texas), 071000013 (for some Midwest locations), and 111000025 (for certain regions). However, this list is not complete, and your specific routing number depends on which Chase branch or region your account belongs to.

The best approach is to confirm your routing number through your own account rather than guessing based on your state. Routing numbers can change if you move your account or if Chase reorganizes its regional structure, so using the number from your check or account portal ensures accuracy.

The difference between routing numbers for ACH and wire transfers

Most of the time, the same routing number works for both ACH transfers (direct deposits, bill payments, and transfers between banks) and wire transfers. However, Chase sometimes uses different routing numbers for wire transfers in certain situations. Before you initiate a wire transfer, confirm with Chase whether you should use your standard routing number or a different one.

If you're setting up direct deposit for your paycheck or arranging automatic bill payments, use the routing number from your check or account details. If you're sending a wire transfer, ask your employer or the receiving institution which routing number they need, or call Chase to confirm.

What to do if you cannot locate your routing number

If you've checked your checks, your online account, and your mobile app and still cannot find the routing number, contact Chase directly. Call the customer service number on the back of your debit card, visit a Chase branch in person, or use the chat feature in your online account. Have your account number and a form of identification ready.

Chase customer service can also tell you whether you need a different routing number for the specific transaction you're making. This is especially useful if you're unsure whether your transfer is an ACH payment or a wire transfer, or if you're moving money internationally.

Why routing numbers matter for your transactions

A routing number tells the banking system which financial institution should receive your money. If you provide the wrong routing number, your deposit or payment may go to a different bank, get rejected, or be delayed by several business days while the error is corrected. For direct deposits like paychecks, a wrong routing number means your employer's system will reject the deposit and you won't receive your pay on time.

Wire transfers are especially sensitive to routing number errors because they move money quickly and across institutions. Once a wire is sent to the wrong routing number, recovering the funds can be difficult and time-consuming. Always double-check your routing number before confirming any transaction.

Frequently Asked Questions

Is the routing number the same for all Chase accounts?

No. Your routing number is based on the state where your account is registered, not where you live. If you have multiple Chase accounts in different states, each account may have a different routing number. Check each account separately to confirm.

Can I use the same routing number for direct deposit and bill payments?

Yes, in most cases. Both direct deposits and bill payments use ACH transfers, so they use the same routing number. Wire transfers sometimes use a different routing number, so confirm with Chase if you're sending a wire.

What happens if I use the wrong routing number?

The transaction may be rejected, delayed, or sent to the wrong bank. For direct deposits, your paycheck will not arrive on time. For wire transfers, the money may be difficult to recover. Always verify your routing number before submitting a transaction.

Do I need to update my routing number if I move to a different state?

Not necessarily. Your routing number is tied to your account registration, not your current address. If you move but keep the same Chase account, your routing number typically stays the same. However, if you open a new account at a Chase branch in a different state, the new account may have a different routing number.