Chase's wire routing number depends on which state your account is in
Chase does not use a single routing number for all wire transfers. The number you need depends on the state where your account's branch is located. For most states, Chase's wire routing number is 021000021. However, some states use different numbers, and using the wrong one can delay your transfer or cause it to fail.
Before you wire money, confirm which routing number applies to your account by checking your bank statement, calling Chase directly, or logging into your online banking portal. The routing number appears on the bottom left of your checks if you have them, though that number may differ from the wire routing number.
Wire routing numbers are not the same as ACH routing numbers (used for electronic transfers between accounts) or the general routing number printed on checks. Banks maintain separate routing numbers for different transaction types and regions.
Key Takeaways
- Chase's wire routing number for most states is 021000021, but some states have different numbers tied to regional processing centers.
- The routing number on your checks is not the same as your wire routing number, so do not assume they match.
- You can find your correct wire routing number on your bank statement, through Chase's website, or by calling Chase customer service.
- Using the wrong routing number can cause your wire transfer to be rejected or significantly delayed.
Where to find your wire routing number
Log into your Chase online banking account and look for your account details or account information section. Most accounts display the wire routing number alongside the account number. If you cannot find it there, call Chase at the number on the back of your debit card and ask for your wire routing number—have your account number ready.
You can also visit Chase's official website and search for "wire routing number" or "routing numbers by state." Chase publishes a list of routing numbers organized by state. Write down the number that matches your account's home state before you initiate a wire.
If you have paper checks from your account, the routing number printed on them is not your wire routing number. Check statements or your online account instead.
When Chase uses different routing numbers
Chase operates regional processing centers, and some states route wires through different centers. States like California, Texas, Florida, and New York sometimes have their own routing numbers separate from the standard 021000021. This is because Chase maintains multiple banking charters and processing hubs across the country.
If your account is in one of these states, using the standard number may still work, but it can add processing time. Using the correct state-specific number ensures your wire reaches the right processing center on the first attempt. Chase's website lists which states have alternate numbers.
What information you need to send a wire
Beyond the routing number, you will need the recipient's bank account number, the recipient's full name, and the recipient's bank name and address. For international wires, you may also need a SWIFT code instead of or in addition to the routing number.
Chase allows you to send domestic wires through online banking, mobile app, phone, or in person at a branch. Fees vary by method—online wires are often cheaper than phone or in-person wires. Have all recipient details correct before you start, because wires cannot be reversed once sent.
Common mistakes that delay wires
The most frequent error is using the wrong routing number, which sends the wire to the wrong processing center and forces the receiving bank to reroute it. This adds one to three business days. Another common mistake is mistyping the recipient's account number by even one digit, which causes the wire to be rejected.
Sending a wire late in the business day (after 2 p.m. ET on weekdays) means it will not process until the next business day. Wires sent on weekends or holidays also wait until the next business day. If you need the money to arrive urgently, send it early on a weekday morning.
International wires from Chase
For wires leaving the United States, you need Chase's SWIFT code, not a routing number. Chase's main SWIFT code is CHASUS33, though some international transactions may require a different code depending on the destination country and receiving bank. Ask the recipient's bank which code to use, or check Chase's website for country-specific codes.
International wires take longer than domestic wires—typically three to five business days—and carry higher fees. The receiving bank may also deduct a fee from the amount that arrives. Ask Chase for the total cost before you send.
Frequently Asked Questions
Is the routing number on my Chase checks the same as my wire routing number?
No. The routing number printed on checks is for ACH and check processing, not wires. Your wire routing number is different and depends on your account's state. Always verify your wire routing number separately before sending a wire.
What happens if I use the wrong routing number?
The wire may be rejected, returned to you, or rerouted to the correct center, which adds one to three business days. In rare cases, it could be sent to the wrong bank. Always double-check the routing number before confirming the transfer.
Can I send a wire through Chase's mobile app?
Yes. Chase's mobile app allows domestic wire transfers for most account types. The process is the same as online banking—you enter the routing number, account number, and recipient details. Fees may differ from online or phone wires.
How long does a Chase wire transfer take?
Domestic wires sent before 2 p.m. ET on a business day usually arrive the same day or next business day. Wires sent after 2 p.m., on weekends, or on holidays process the next business day. International wires take three to five business days.
Do I need a SWIFT code for a domestic wire?
No. Domestic wires use routing numbers only. SWIFT codes are for international wires only. If you are sending money within the United States, provide the routing number and account number.