Your Chase routing number depends on where you bank and what you're using it for
Chase does not have a single routing number for all customers. The number you need depends on which state your branch is in and whether you're sending money domestically or internationally. For domestic transfers within the United States, most Chase customers use routing number 021000021. However, if your account is held at a Chase branch outside the continental U.S., or if you're sending money to another country, the routing number may be different.
The routing number is a nine-digit code that tells the banking system which financial institution should receive your money. Banks use it to sort and direct transfers, direct deposits, and bill payments. If you use the wrong routing number, your payment may be delayed, sent to the wrong account, or rejected entirely.
Key Takeaways
- Most Chase customers in the continental U.S. use routing number 021000021 for domestic transfers and bill payments.
- You can find your specific routing number by checking your checks, logging into Chase online banking, or calling Chase customer service.
- Different routing numbers may apply if your account is in Hawaii, Alaska, or if you're sending money internationally.
- Using the wrong routing number can delay or misdirect your payment, so verify before sending large amounts of money.
Where to find your routing number on a check
The easiest way to locate your routing number is to look at the bottom left corner of one of your Chase checks. The first nine digits printed there are your routing number. The next set of digits is your account number, and the final digits are the check number itself.
If you do not have checks or cannot locate them, this method still works if someone has sent you a check from your account—the routing number on that check will be the same as yours.
How to find it through Chase online banking or the mobile app
Log into your Chase account on the website or mobile app and navigate to your account details or account settings. Chase displays your routing number alongside your account number in the account information section. The exact location varies slightly between the website and app, but it is typically labeled as "Routing Number" or "ABA Number" (ABA stands for American Bankers Association).
If you cannot locate it in your account settings, you can also request a statement that includes your routing number. Recent statements often display this information at the top or in the account summary section.
Calling Chase customer service for your routing number
You can call Chase at 1-800-935-9935 to speak with a representative who will provide your routing number. Have your account number or the phone number associated with your account ready when you call. The representative will verify your identity before sharing the information.
This method is useful if you need immediate confirmation or if you are having trouble accessing your online account. Wait times vary depending on the time of day and day of the week.
When you need a different routing number
If your Chase account is held at a branch in Hawaii or Alaska, your routing number may differ from 021000021. Chase maintains separate routing numbers for these states due to historical banking regulations. You can confirm your state-specific routing number through online banking, by calling customer service, or by checking a recent statement.
For international wire transfers, you will need additional information beyond the routing number. Chase uses a SWIFT code (also called a BIC code) for transfers outside the United States. The SWIFT code for most Chase locations is CHASUS33. Your bank may also ask for your account number in IBAN format, which is different from your standard U.S. account number.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the receiving bank may reject the transfer, or it may be sent to the wrong financial institution. Rejected transfers typically bounce back to your account within one to three business days, though some banks take longer. If the money reaches the wrong bank, recovery can take weeks and may require intervention from both banks.
For bill payments made through Chase's bill pay service, an incorrect routing number will usually cause the payment to fail before it leaves your account. Chase will notify you of the error, and you can correct it and resubmit. For wire transfers, always double-check the routing number before confirming the transaction, as wires are harder to reverse once sent.
Routing number versus account number
The routing number identifies the bank; your account number identifies you within that bank. Both are required for most transfers. The routing number is the same for all customers at a given Chase branch location, but your account number is unique to you. When setting up direct deposit, paying bills, or sending money to someone, you will need to provide both numbers.
Some payment systems ask for a "routing transit number" or "ABA number"—these terms all refer to the same nine-digit code. Do not confuse your routing number with your card number, PIN, or security code, which are separate and should never be shared.
Frequently Asked Questions
Is routing number 021000021 the same for all Chase customers?
It is the routing number for most Chase customers with accounts at branches in the continental United States. If your account is in Hawaii, Alaska, or if you opened it at a specific Chase location, your routing number may be different. Check your checks or online banking to confirm.
Can I use my routing number to receive money from other banks?
Yes. Your routing number and account number together allow anyone to send you money via ACH transfer, wire transfer, or direct deposit. You can safely share your routing number and account number for these purposes. Do not share your PIN, online password, or card security code.
What is the difference between a routing number and a SWIFT code?
The routing number is used for domestic transfers within the United States. The SWIFT code is used for international wire transfers. Chase's SWIFT code is CHASUS33 for most locations. You will need both if you are receiving money from outside the U.S.
Do I need a different routing number for wire transfers?
No. The routing number is the same whether you are sending a wire transfer, ACH transfer, or setting up direct deposit. However, for international wires, you will also need your SWIFT code and possibly your account number in IBAN format.
What should I do if a payment was sent to the wrong routing number?
Contact Chase immediately. If the transfer has not yet been processed, Chase may be able to stop it. If it has already been sent, both your bank and the receiving bank will need to work together to retrieve the funds. This process can take several weeks. Always verify the routing number before sending large amounts.