Chase bank account numbers have 10 digits
A Chase checking or savings account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, or by calling Chase customer service at 1-800-935-9935.
The 10-digit account number is unique to your specific account. It's different from your routing number (which is 9 digits and identifies Chase as your bank) and your card number (which is 16 digits for debit or credit cards). When you're setting up direct deposit, making a wire transfer, or authorizing an ACH payment, you'll need to provide both your routing number and your 10-digit account number together.
Key Takeaways
- Chase account numbers are always 10 digits, whether you have a checking or savings account.
- Your account number appears on the bottom left of your checks, after the routing number.
- You need both your 9-digit routing number and your 10-digit account number to set up direct deposit or ACH transfers.
- Your account number is different from your debit card number (16 digits) and your credit card number (16 digits).
- You can find your account number online through Chase's website or mobile app without calling.
Where to find your Chase account number
The easiest place to locate your account number is on a check. Look at the bottom of the check: you'll see three sets of numbers separated by colons or vertical bars. The first set is your routing number (9 digits), the second set is your account number (10 digits), and the third set is your check number.
If you don't have checks handy, log into your Chase online banking account or open the Chase mobile app. Your account number appears on your account summary page, usually near the top where your account type and balance are displayed. You can also call Chase at 1-800-935-9935 and speak with a representative who can confirm your account number over the phone.
Why the account number is 10 digits
Chase uses a 10-digit format for all its consumer checking and savings accounts. This length allows Chase to create enough unique account numbers for millions of customers without running out of combinations. The 10-digit standard is common across most major U.S. banks, though some regional banks may use different lengths.
The digits themselves don't encode information about your account type, branch, or balance—they're simply a unique identifier assigned to your account when you open it. The routing number (9 digits) is what tells the banking system that the account belongs to Chase, and the account number tells Chase which specific account within their system to use.
Using your account number for transfers and payments
When you set up direct deposit from an employer or government agency, you'll enter your 10-digit account number along with Chase's routing number (1-0210-0001 for most Chase accounts). The same pair is needed for ACH transfers—whether you're sending money to another bank or receiving it from one.
If you're paying a bill through your Chase account, the biller may ask for your account number. Never share your full account number with anyone you don't trust, and be cautious about providing it over the phone unless you initiated the call to a verified Chase number. Scammers sometimes pose as banks to collect account numbers for fraud.
Account numbers on different Chase account types
All Chase consumer accounts—checking, savings, money market, and certificates of deposit—use the same 10-digit format. The account number itself doesn't indicate which type of account it is; that information is stored separately in Chase's system. If you have multiple accounts at Chase, each one has its own unique 10-digit number.
Business accounts at Chase also use 10-digit account numbers. If you're managing a business checking account, the format is identical to personal accounts, though the routing number may differ depending on which Chase business banking system your account is in.
What to do if you can't find your account number
The fastest way to get your account number without a check is through Chase's website or app. Log in, go to your account summary, and look for the account number listed there. Most users can find it within seconds.
If you don't have online access set up, call Chase customer service at 1-800-935-9935. Have your Social Security number and a form of ID ready. A representative can verify your identity and provide your account number immediately. You can also visit a Chase branch in person with your ID, and a teller will give you the number.
Frequently Asked Questions
Is my Chase account number the same as my debit card number?
No. Your Chase debit card has a 16-digit number printed on the front. Your account number is 10 digits and is not printed on your card. They are separate identifiers. Your card number is used for card transactions; your account number is used for bank transfers and direct deposits.
Can I use my account number to make purchases?
No. Your account number is only for bank-to-bank transfers, direct deposits, and ACH payments. You cannot use it to make purchases at stores or online. You need your debit card number or credit card number for those transactions.
What if someone has my account number?
An account number alone is not enough to drain your account. A person would also need your routing number and typically authorization from you to move money out. If you're concerned, contact Chase immediately at 1-800-935-9935. You can also monitor your account through online banking or the app to watch for unauthorized activity.
Do all banks use 10-digit account numbers?
Most major U.S. banks use 10-digit account numbers, but some regional banks use different lengths—anywhere from 8 to 12 digits. When you're setting up a transfer to another bank, that bank will tell you how many digits their account numbers are. Chase always uses 10.
Is my account number printed on my checks in a specific order?
Yes. On a check, the numbers at the bottom appear in this order: routing number (9 digits), account number (10 digits), check number. The routing number always comes first, followed by your account number. This order is standard across all U.S. banks.