Chase's ABA number depends on which state you bank in and what type of transaction you're making
Chase does not have a single ABA number. Instead, Chase maintains different routing numbers (also called ABA numbers) for different states and transaction types. A routing number is a nine-digit code that tells the banking system which branch or processing center should handle your transaction.
If you need Chase's routing number for a wire transfer, direct deposit, or ACH payment, you'll need to identify which one applies to your account. The routing number tied to your specific Chase branch is printed on the bottom left of your checks. If you don't have checks, you can find it through your Chase online banking portal, by calling Chase customer service, or by looking it up on Chase's official routing number tool.
Using the wrong routing number can delay your transaction by several days or send money to the wrong account. Getting it right the first time matters.
Key Takeaways
- Chase routing numbers vary by state and transaction type, so there is no single "Chase ABA number" that works everywhere.
- Your personal Chase routing number is printed on the bottom left of your checks, or you can find it in your Chase online banking account under account details.
- For wire transfers, direct deposits, and ACH payments, you need the routing number specific to the state where your account is held.
- Chase's official website has a routing number lookup tool where you can enter your state and account type to find the correct nine-digit code.
- Using an incorrect routing number can cause delays of several business days or route funds to the wrong financial institution.
How to find your Chase routing number online
The fastest way to find your routing number is through Chase's website. Go to chase.com, log into your account, and navigate to your account details or account information page. The routing number is usually listed alongside your account number and is labeled as "routing number" or "ABA number."
If you use the Chase mobile app, open it, tap on your account, select account details or settings, and look for the routing number. Some versions of the app display it under "account information" or "transfer settings." Take a screenshot or write it down so you have it when you need it.
Chase also maintains a routing number lookup tool on its website. You can enter your state and the type of account you have (checking, savings, money market), and it will return the correct routing number for transactions in that state.
Routing numbers printed on your checks
If you have Chase checks, the routing number is always printed on the bottom left corner of the check, before your account number. It is the first set of nine digits you see at the bottom. This routing number is specific to the state where your account is registered and the type of account you hold.
The format looks like this: the routing number comes first, then your account number, then the check number. All three are printed in magnetic ink so they can be read by sorting machines at banks and the Federal Reserve.
If your checks are old or you've moved states, the routing number on them may no longer be current. Always verify the number through your online banking portal or Chase's lookup tool before using it for a wire transfer or direct deposit setup.
Different routing numbers for different transaction types
Chase uses different routing numbers depending on how money is moving. For ACH transfers (automated clearing house payments like direct deposits and bill payments), you use one routing number. For wire transfers, you may use a different one. For check clearing, the number on your check applies.
In most cases, the routing number on your checks works for ACH transfers and wire transfers alike. However, some employers or billers may ask you to confirm which routing number to use for direct deposit. When in doubt, provide the number from your checks or from your online banking portal—that is the safest choice.
If you are setting up a wire transfer to another bank, always ask the receiving bank which routing number they need from Chase. Some banks have specific requirements for incoming wires, and using the wrong number can cause the transfer to be rejected or delayed.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transaction may be rejected outright, or it may be routed to a different Chase branch or even a different bank. If it goes to the wrong place, it can take three to five business days for the money to be returned to you, and then another three to five days for it to reach the correct destination.
For direct deposits, using the wrong routing number means your paycheck won't arrive on payday. Your employer will have to resubmit the deposit, which can delay your pay by a full pay cycle. For bill payments, the wrong routing number can result in a late payment, which may trigger late fees or damage to your credit report.
For wire transfers, a wrong routing number is especially costly because wire transfers are usually irreversible. Once the money leaves your account, you cannot cancel it. If it went to the wrong bank, you would have to contact that bank and ask them to return it—a process that can take weeks and is not may provide to succeed.
Chase routing numbers by state (sample list)
Chase maintains separate routing numbers for most states. A few examples: Chase accounts in California use routing number 322271627; in New York, 021000021; in Texas, 111000025; in Florida, 267084131. However, this list is not complete, and routing numbers can change.
Rather than relying on a list, use Chase's official routing number lookup tool or check your checks or online banking portal. That guarantees you have the current, correct number for your specific account and state. If you call Chase customer service, they can also confirm the routing number over the phone.
Calling Chase to confirm your routing number
If you cannot find your routing number online or on your checks, call Chase customer service at the number on the back of your debit card or credit card. Have your account number and a form of ID ready. A representative can confirm your routing number in under a minute.
Chase customer service is available seven days a week. Wait times are usually shorter early in the morning or late in the evening on weekdays. If you are setting up a time-sensitive transaction like a direct deposit, call as soon as you know you need the number so there is no delay.
Frequently Asked Questions
Is Chase's routing number the same for all customers?
No. Chase routing numbers vary by state and sometimes by account type. Two Chase customers in different states will have different routing numbers. Even customers in the same state may have different routing numbers depending on when their account was opened or which processing center handles their account.
Can I use the same routing number for wire transfers and direct deposits?
Usually yes. In most cases, the routing number on your checks works for both wire transfers and ACH transfers like direct deposits. However, some employers or receiving banks may have specific requirements. When setting up a direct deposit or wire transfer, confirm with the other party which routing number they need.
What if I moved to a different state—do I need a new routing number?
Not necessarily. Your routing number is tied to your account, not your current address. If you moved but kept the same Chase account, your routing number usually stays the same. However, if you opened a new account in your new state, that account will have its own routing number.
Where is the routing number on a Chase debit card?
The routing number is not printed on your debit card. It is only on your checks, in your online banking portal, or available through Chase's routing number lookup tool. If you need it and don't have checks, log into your Chase account online or call customer service.
Can I look up someone else's Chase routing number?
You can find Chase's routing numbers for different states through their official lookup tool, but you cannot find an individual person's routing number without their permission. If someone is asking for your routing number to send you money, provide only your own account's routing number, never someone else's.