Chase checking account numbers are 10 digits long
Your Chase checking account number is always 10 digits. You'll find it on the bottom left of your checks, in your online banking portal, or by calling Chase customer service. The account number itself is separate from your routing number (which is 9 digits) and your full check number.
When you write a check or set up a direct deposit, you need both the account number and the routing number to complete the transaction. The routing number tells the banking system which Chase branch or processing center to send the money to; the account number identifies which specific account within Chase receives or sends the funds.
Key Takeaways
- Chase checking account numbers are always 10 digits, printed on the bottom left of your checks after the routing number.
- Your routing number (9 digits) and account number (10 digits) are two separate pieces of information both needed for transfers and direct deposits.
- You can find your account number in the Chase mobile app, online banking, or by calling Chase at the number on the back of your debit card.
- The account number alone does not give someone access to your account; they also need your routing number and other verification to move money.
Where to find your account number on a check
Look at the bottom of any Chase check. You'll see three sets of numbers printed in magnetic ink. From left to right: the routing number (9 digits), then your account number (10 digits), then the check number (usually 4 to 6 digits). The account number is always in the middle.
If you don't have checks handy, log into your Chase online banking account or open the Chase mobile app. Your account number appears in the account details section, usually labeled "Account Number" or "Checking Account." You can also call the customer service number on the back of your Chase debit card and ask a representative to read it to you.
Why the account number is 10 digits
Chase uses a 10-digit format to create enough unique combinations for millions of customers while keeping the number short enough to write or type without frequent errors. The 10-digit standard is common across most large U.S. banks, though some regional banks use different lengths.
The digits themselves don't encode information about your branch, account type, or balance—they're simply a unique identifier assigned to your account. Chase's computer systems use the account number plus your routing number to locate your specific account in their database.
Account number vs. routing number vs. check number
These three numbers appear together on your check but serve different purposes. Your routing number (9 digits) identifies Chase and which processing center handles your account. Your account number (10 digits) identifies your specific account. Your check number (usually 4 to 6 digits) identifies that individual check and helps you track it in your records.
When you set up direct deposit at work or pay a bill online, you'll need both the routing number and account number. The check number is only relevant if you're writing an actual paper check. If someone asks for your "account information," they're asking for the routing number and account number together.
What you need to share for transfers and direct deposits
For direct deposit, ACH transfers, or wire transfers, provide both your 9-digit routing number and your 10-digit account number. Some forms ask for these separately; others ask for your "account and routing number" as one field. Make sure you enter them in the correct order—routing number first, then account number—because reversing them will send the money to the wrong place.
You do not need to share your check number for electronic transfers. You also do not need to share your full debit card number. The routing and account numbers are sufficient for most banking transactions.
Security and account number sharing
Sharing your account number and routing number with legitimate businesses (your employer, your bank, a utility company) is safe and necessary for direct deposits and bill payments. These numbers are printed on every check you write, so they're not secret.
However, never share your account number with someone who contacts you unexpectedly by phone, email, or text claiming to be from Chase. Chase will never ask you to confirm your account number in an unsolicited message. If you're unsure whether a request is legitimate, hang up and call Chase directly using the number on the back of your debit card.
Frequently Asked Questions
Can I change my Chase account number?
No, your account number is permanent for that account. If you close the account and open a new one, you'll receive a new account number. Some people request a new account number if they believe it's been compromised, but this requires closing the old account and opening a new one.
What if I give someone the wrong account number?
If you accidentally provide an incorrect 10-digit account number, the money will either be rejected or sent to a different Chase customer's account. Contact Chase immediately if this happens. They can sometimes retrieve the funds, but the process takes time. Always double-check account numbers before submitting them.
Is my account number the same as my debit card number?
No. Your debit card number (16 digits) is different from your account number (10 digits). The debit card number is used for card purchases and ATM withdrawals. The account number is used for bank transfers, direct deposits, and checks. You should never use your account number to make purchases.
Do all Chase accounts have 10-digit account numbers?
Chase checking and savings accounts both use 10-digit account numbers. Money market accounts and other Chase products also follow this format. The length is consistent across all standard Chase deposit accounts.