Chase routing numbers depend on your state and account type
Chase does not have a single routing number for all customers. The number you need depends on which state your account is held in and sometimes on the type of account. If you're setting up a direct deposit, paying a bill by bank transfer, or sending money to another bank, you'll need the routing number tied to your specific branch location or account region.
The most common Chase routing numbers are 021000021 (for most states) and 111000025 (for some western states), but these are not universal. Using the wrong routing number can delay your payment or cause it to be rejected entirely.
Key Takeaways
- Chase routing numbers vary by state, so you must confirm which one applies to your account before using it for any transfer.
- Your account statement, Chase mobile app, and the Chase website all display your correct routing number within seconds.
- The routing number printed on your checks is accurate for your account, even if it differs from numbers you see online.
- If a payment is rejected because of a wrong routing number, contact your bank and the receiving institution to confirm the correct code before trying again.
Where to find your routing number on your Chase account
The fastest way to find your routing number is to log into your Chase account online or through the mobile app. Once you're signed in, go to your account details or account information section. The routing number appears alongside your account number and is usually labeled as "Routing Number" or "ABA Number."
If you prefer not to use online banking, call Chase customer service at 1-800-935-9935. A representative can tell you your routing number over the phone in under a minute. Have your account number ready when you call.
Routing numbers printed on your checks
The routing number is also printed on the bottom left of every Chase check you receive. It's the first set of nine digits, followed by your account number and then the check number. If you have checks on hand, you can use this number immediately without logging in or calling.
This printed number is always correct for your account, even if you see different numbers listed elsewhere online. Banks sometimes list multiple routing numbers for different purposes or regions, but the one on your checks is the one tied directly to your account.
Why routing numbers matter for different types of payments
When you set up direct deposit for a paycheck or government benefit, your employer or the paying agency needs your routing number to send money into your account. The same applies if you're receiving a wire transfer from another person or institution. Without the correct routing number, the money goes to the wrong bank or gets rejected.
If you're paying a bill from your Chase account using online bill pay or a third-party payment service, you may also need to provide your routing number. Some services ask for it; others only need your account number. Always double-check what the service is asking for before entering information.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the payment typically bounces back to the sender within one to three business days. The sender then has to resubmit with the correct number, which delays the money reaching you. In some cases, the payment may be rejected outright and you'll be notified that the transfer failed.
If money does go to the wrong bank by mistake, contact Chase immediately and provide them with the details of the transaction. They can work with the other bank to locate and redirect the funds, but this process can take several days. It's always faster to get the routing number right the first time.
Chase routing numbers by region
| Region | Routing Number |
|---|---|
| Most U.S. states | 021000021 |
| California, Nevada, Utah | 121000248 |
| Arizona, Colorado, New Mexico, Wyoming | 102000076 |
| Texas | 111000025 |
| Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Wisconsin | 071000013 |
This table shows the most commonly used Chase routing numbers by region, but it is not exhaustive. Chase maintains additional routing numbers for specific branches and account types. Always verify your routing number through your account statement or the Chase website rather than relying on a general list.
The routing number you use should match the state where your account was opened or where your primary branch is located. If you've moved to a different state since opening your account, your routing number typically stays the same unless you've transferred your account to a new branch.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies which bank holds your account (Chase, in this case), while your account number identifies your specific account within that bank. Both are printed on your checks, but they are different numbers. You need both for most transfers.
Can I use any Chase routing number, or does it have to match my state?
You should use the routing number for your state or region. Using a routing number from a different region may cause the transaction to fail or be delayed. Your account statement or the Chase app shows the correct one for your account.
Do I need a routing number to transfer money between my own Chase accounts?
No. If you're moving money between two accounts you own at Chase, you only need the account numbers. Routing numbers are required when money is going to a different bank or when setting up direct deposit from an outside source.
What if Chase gave me a routing number and it didn't work?
Contact Chase again and confirm the number. If the number is correct but the transaction still fails, the problem may be on the receiving end—the other bank may have rejected it for a different reason. Ask the receiving institution to confirm they received the correct routing number.
Is the routing number on my checks always current?
Yes. Chase does not change routing numbers for existing accounts, so the number printed on your checks remains valid for as long as you hold the account. If you order new checks, they will have the same routing number.