Chase routing numbers depend on where you opened your account and what state you live in
Chase does not have a single routing number for all customers. The routing number you need depends on which Chase branch or region processed your account when you opened it. If you opened your account in New York, your routing number will be different from someone who opened theirs in California. The routing number tells the banking system which physical location or processing center should handle your transaction.
You need the correct routing number when you set up direct deposit, pay bills by check, or arrange wire transfers. Using the wrong one will delay your transaction or send money to the wrong place. The good news: Chase makes it easy to find yours in seconds.
Key Takeaways
- Your Chase routing number is printed on the bottom left of your checks, before your account number.
- Chase routing numbers vary by state and region, so you must find the one tied to your specific account, not just any Chase routing number.
- You can look up your routing number through Chase's online banking portal, by calling Chase customer service, or by visiting a branch in person.
- If you cannot find your routing number before you need it, Chase customer service can provide it over the phone in under five minutes.
Finding your routing number on a check
The fastest way is to look at a check from your account. At the bottom left of the check, you will see nine digits printed in a special font. The first nine digits are your routing number. The next set of digits is your account number. This routing number is tied to the branch or region where your account was opened.
If you do not have checks or they are packed away, move to the next method. But if you have one check available, this is the quickest answer. You can also order checks online through Chase if your current supply has run out.
Looking it up through Chase online banking
Log into your Chase account on chase.com or the Chase mobile app. Go to the account details or account information section—the exact location varies slightly depending on whether you use the website or app. Select the account you need the routing number for, then look for "Routing Number" in the account details. Chase displays it clearly once you are in the right section.
This method works if you have online banking set up and remember your login. It takes about two minutes and gives you the exact number tied to your account. The routing number will appear alongside your account number and other account information.
Calling Chase customer service
Call the number on the back of your Chase debit or credit card, or call Chase's main customer service line. Tell the representative you need your routing number. They will ask you to verify your identity—usually your Social Security number and account number—then provide it immediately. This call typically takes five minutes or less.
Customer service is available 24/7 for most Chase accounts, so you can call at any time. This is the best option if you do not have checks or online access, or if you need the number urgently. Have your account number ready to speed up the process.
Visiting a Chase branch in person
Walk into any Chase branch with your ID and ask a teller for your routing number. They will look it up in seconds and write it down for you. This works if you are already near a branch, but it is slower than the phone or online methods if you have to make a special trip.
Bring a form of identification such as a driver's license or passport. The teller will verify your identity before providing the information. If you need the routing number for a specific account, have your account number or debit card ready to make the lookup faster.
Common mistakes when using a routing number
The most common error is using a routing number from a different state or region. If you moved and opened a new account at a different Chase branch, your new account has a different routing number than your old one. Using the old number will not work for the new account.
Another mistake is confusing the routing number with the SWIFT code. The routing number is for domestic transfers within the United States. If you are sending money internationally, you need the SWIFT code instead, which is different. Chase customer service can provide the SWIFT code if you ask for it.
Do not assume all Chase customers have the same routing number. Even if a friend uses Chase, their routing number may be different from yours depending on where they opened their account. Always verify your own routing number rather than borrowing someone else's.
What to do if your routing number changes
If Chase merges branches or restructures its processing centers, your routing number can change. Chase will notify you by mail if this happens. You do not need to do anything—your account number stays the same, and Chase updates its systems automatically. However, if you have set up automatic bill payments or direct deposit, you may need to update those services with the new routing number.
Check your mail for any notices from Chase about routing number changes. If you think your routing number has changed but are not sure, call customer service or check your online account to confirm. Update any recurring payments or deposits as soon as you receive notice of a change to avoid missed payments or delayed deposits.
Frequently Asked Questions
Is the routing number on my check the same as my account number?
No. The nine digits on the far left of the bottom of your check are the routing number. The next set of digits is your account number. They are printed separately and serve different purposes. The routing number directs the transaction to the right bank location; the account number identifies which account within that location receives the money.
Can I use any Chase routing number, or does it have to be the one for my account?
You must use the routing number tied to your specific account. Using a different Chase routing number will either delay the transaction or send the money to the wrong place. Always verify you have the correct one before setting up direct deposit or bill payments.
What if I need my routing number but Chase is closed?
Check a blank check from your account—the routing number is printed there and does not change based on business hours. You can also log into your Chase online account 24/7 to find it. If neither option works, Chase customer service is available by phone around the clock.
Do I need a routing number to transfer money between my own Chase accounts?
No. If you are moving money between two accounts you own at Chase, you can do it through online banking or the app without a routing number. You only need the routing number when sending money to an account at a different bank or setting up external transfers.
What happens if I give someone the wrong routing number?
The transaction will either be rejected or delayed while the banking system tries to figure out where it should go. If money does go to the wrong place, contact Chase immediately. They can often recover it, but the process takes time. This is why it is important to double-check the routing number before confirming any large transfer.