Chase's routing number and how to find your account details

Chase does not have a single mailing address where you send direct deposit forms. Instead, you provide your employer or the organization sending you money with your Chase routing number and your individual account number. Chase will then receive the deposit electronically — no paperwork travels through the mail.

Your Chase routing number depends on which state your account was opened in. The most common routing number for Chase accounts is 021000021, but if your account is in New York, it may be 021202337. If you opened your account in another state or at a branch outside New York, your routing number could be different. The safest way to confirm is to check a check you have from that account — the routing number appears in the lower left corner, printed as a nine-digit code.

You can also log into your Chase online banking account or mobile app, go to Account Details or Settings, and look for "Routing Number" or "Bank Information." Chase customer service can also confirm your routing number if you call 1-800-935-9935.

Key Takeaways

  • Chase routing numbers vary by state, with 021000021 being the most common but not universal for all accounts.
  • You find your routing number on a check, in your online banking account, or by calling Chase customer service.
  • Your account number appears on your checks and in your online banking portal, and you will need both the routing number and account number to set up direct deposit.
  • Direct deposit is electronic, so you do not mail anything to Chase — you give your employer or payer your routing and account numbers.
  • If you have multiple Chase accounts, each one has the same routing number but a different account number.

Finding your account number

Your account number is unique to your specific Chase account. It appears on the bottom of any check you have from that account, printed after the routing number. It is also visible in your Chase online banking account under Account Details or Account Information.

If you do not have checks or access to online banking, call Chase at 1-800-935-9935 with your identification ready. A representative can provide your account number over the phone. You will need to verify your identity with your Social Security number, date of birth, and other personal information.

What information your employer needs from you

When you set up direct deposit with your employer, payroll department, or benefits administrator, they will ask for the following from your Chase account:

  • Your routing number (the nine-digit code specific to your state and account type)
  • Your account number (the unique identifier for your specific account)
  • The account type (checking or savings)
  • Your name as it appears on the account

Some employers also ask for the bank name and address for their own records, even though the deposit itself is electronic. You can provide "Chase Bank" and the address of any Chase branch, or simply "JPMorgan Chase Bank, N.A." — the employer's system will route the money using the routing and account numbers, not the physical address.

How direct deposit reaches your Chase account

Once your employer has your routing number and account number, they submit the deposit through the Automated Clearing House (ACH), which is the electronic network that moves money between banks. Your employer's bank sends the payment to Chase's bank, which then deposits it into your specific account based on your account number.

This process is automatic and does not require any paperwork to be mailed to Chase. The entire transaction happens electronically, usually overnight or within one business day. You will see the deposit in your account the next business day after your employer submits it, though some employers process payroll on different schedules.

If a deposit does not arrive when expected, contact your employer's payroll department first to confirm they submitted it. If they did, contact Chase at 1-800-935-9935 to report the missing deposit and provide the date and amount.

Differences between Chase checking and savings accounts

Direct deposit works the same way for both checking and savings accounts at Chase. When you provide your information, make sure you tell your employer which type of account you have, because the ACH system needs to know whether the money is going to a checking or savings account.

If you have both a checking and savings account at Chase, they have the same routing number but different account numbers. If you want your paycheck to go to your checking account, provide your checking account number. If you want it in savings, provide your savings account number. You cannot split a single direct deposit between two accounts through most employers' systems, though some larger companies offer that option.

What to do if you cannot find your routing number

If you do not have a check, cannot access online banking, and prefer not to call, you can visit a Chase branch in person with your ID. A teller can write down your routing number and account number for you on the spot.

You can also search online for "Chase routing number by state" — many financial websites maintain lists organized by state. However, verify the number against a check or your online account before giving it to your employer, because using the wrong routing number will cause the deposit to fail or go to the wrong bank.

Frequently Asked Questions

Does Chase have a mailing address for direct deposit forms?

No. Direct deposit is entirely electronic. You provide your routing and account numbers to your employer, and they submit the payment through the ACH network. Nothing is mailed to Chase.

What if my employer asks for a Chase bank address?

Some older payroll systems ask for a bank address as part of their form, even though the actual deposit uses only your routing and account numbers. You can provide any Chase branch address, or simply write "JPMorgan Chase Bank, N.A." — the routing number is what matters for the electronic transfer.

Can I set up direct deposit for multiple Chase accounts?

Yes, but only one account per employer. If you want your paycheck split between two Chase accounts, ask your payroll department if they support split deposits. If they do, you will provide both account numbers and specify how much goes to each. Most smaller employers do not offer this option.

How long does it take for direct deposit to show up in my Chase account?

Usually one business day after your employer submits it. Some employers process payroll on different schedules, so confirm with your payroll department when they submit deposits. Weekends and holidays can add a day to the timeline.

What happens if I give my employer the wrong routing number?

The deposit will either fail or go to a different bank. Contact your employer immediately to correct it. They can resubmit the payment with the correct routing number. If the money went to another bank, that bank can help you recover it, but it may take several days.