Chase routing numbers depend on which state you bank in and which type of account you have
Chase does not have a single routing number for the entire bank. Instead, Chase maintains different routing numbers for different states and account types. The routing number you need is determined by where your account was opened and whether you use a checking account, savings account, or money market account. You can find your specific routing number on the bottom left of your checks, in your Chase online banking portal, or by calling Chase directly.
The routing number is a nine-digit code that tells the banking system which Chase branch or processing center handles your account. When you set up direct deposit, pay bills by check, or receive an ACH transfer, the routing number directs that money to the correct location. Using the wrong routing number will cause the transaction to fail or be delayed.
Key Takeaways
- Your routing number appears on the bottom left of your checks, before your account number.
- Chase routing numbers vary by state, so the number for a California account differs from one opened in New York.
- You can find your routing number by logging into Chase online banking, calling 1-800-935-9935, or checking your bank statements.
- The same routing number works for all transaction types—direct deposit, bill pay, wire transfers, and ACH payments.
Where to find your routing number on a check
If you have a Chase checkbook, your routing number is printed on the bottom left of every check. It is the first set of nine digits, followed by your account number and then the check number on the far right. The routing number is always nine digits long and contains only numbers, never letters.
The format on the check looks like this: the routing number comes first, then a space, then your account number (which is longer), then another space, then the check number. If you do not have checks or cannot locate them, you do not need to order new ones just to find this number—other methods are faster.
How to find your routing number online
Log into your Chase online banking account and go to the Account Details or Account Information section. Most users find it under Settings or the account menu. Your routing number will be listed alongside your account number. You can also view it on your most recent bank statement, which lists the routing number near the top or bottom of the page.
If you do not have online banking set up, you can call Chase customer service at 1-800-935-9935. A representative will verify your identity and provide your routing number over the phone. This call typically takes fewer than five minutes.
Chase routing numbers by state
Chase uses different routing numbers depending on the state where your account is domiciled. Some of the most common routing numbers are 021000021 for accounts in New York, 111000025 for California, 044000037 for Texas, and 071000013 for Illinois. However, Chase has opened and closed branches over time, and some older accounts may have routing numbers that are no longer in active use.
If you moved to a different state after opening your account, your routing number does not change. It remains tied to the state where you originally opened the account. If you need to confirm which routing number belongs to your specific account, use your checks or online banking rather than guessing based on your current location.
When you need your routing number
You will need your routing number whenever you set up direct deposit with an employer or government program. You also need it to receive ACH transfers from other people or organizations, to pay bills through Chase bill pay, and to initiate wire transfers. If someone is sending you money and asks for your routing number and account number, provide both—they work together to direct the funds to your account.
For wire transfers, some banks ask for additional information beyond the routing number, such as the SWIFT code or the specific branch address. Chase can provide this information if you call, but for most domestic transfers between U.S. banks, the routing number and account number are sufficient.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transaction will either fail immediately or be rejected after a few business days. The sending bank will attempt to return the funds to the originator, but this process can take one to two weeks. During that time, the money is in limbo and you cannot access it.
If you realize you used the wrong routing number, contact Chase immediately and provide the correct information. If the transaction has already been sent, you may need to ask the sender to initiate a new transfer with the correct routing number. For direct deposit, correct the routing number with your employer as soon as possible so future paychecks go to the right place.
Routing number versus account number
Your routing number identifies which bank or bank branch processes your account. Your account number identifies which specific account within that bank is yours. Together, they form a complete address for your money. The routing number is the same for all customers at a particular Chase location or state; the account number is unique to you.
When you write a check, both numbers appear at the bottom. When you set up direct deposit or receive a transfer, you provide both. Some forms ask for "routing and transit number"—this is the same thing as routing number. Do not confuse it with your bank's SWIFT code, which is used only for international wire transfers.
Frequently Asked Questions
Is my routing number the same for checking and savings accounts?
Yes. Chase uses the same routing number for all account types at the same location. Whether you have a checking account, savings account, or money market account, the routing number remains the same. The account number is what distinguishes one account from another.
Can I use someone else's routing number if they bank at Chase?
No. You must use the routing number for the state where your account is domiciled, not someone else's routing number. Using another person's routing number will send the money to their bank location, not yours, and the transaction will fail or be rejected.
Do I need my routing number to withdraw money from an ATM?
No. You only need your debit card and PIN to withdraw cash from a Chase ATM or another bank's ATM. The routing number is used only for transfers, direct deposits, and bill payments—not for in-person or ATM transactions.
What if my check shows a routing number different from what Chase told me?
Call Chase to confirm. Older checks or accounts that were transferred from another bank may show a different routing number. Chase can tell you which number is currently active for your account and whether you need to update any pending transactions.
Is the routing number on my statement the same as the one on my checks?
It should be. Both your checks and your statement should show the same routing number for your account. If they differ, contact Chase to verify which one is correct before setting up any new transfers or direct deposits.