Chase account numbers are 10 digits long

Your Chase checking or savings account number is always 10 digits. You'll find it on the bottom left of your checks, in your online banking portal under account details, or by calling Chase customer service. The account number itself is just those 10 digits — nothing more, nothing less.

This length is standard across Chase's consumer banking products. Whether you have a Chase Total Checking account, a savings account, or a money market account, the account number format stays the same: 10 digits, no letters, no special characters.

Key Takeaways

  • Chase account numbers are always 10 digits long, whether you have checking, savings, or money market accounts.
  • You can find your account number on the bottom left of your checks, in the Chase mobile app or website, or by calling customer service.
  • When you give your account number to someone else, you may also need to provide your routing number (which is different and identifies Chase itself).
  • The 10-digit format is used for wire transfers, direct deposits, automatic payments, and any other transaction that requires your account number.

Where to find your Chase account number

The easiest place to look is the bottom of a check. The account number appears after the routing number and before the check number. If you don't have checks handy, log into your Chase online banking account or open the Chase mobile app, go to your account details or account information, and the account number will be listed there.

If you can't access online banking or don't have checks, call Chase customer service at the number on the back of your debit card. They can read your account number to you over the phone. You'll need to verify your identity first, usually by providing your Social Security number or answering security questions.

Account number versus routing number

Your account number and routing number are two different things, and both are needed for certain transactions. Your 10-digit account number identifies your specific account at Chase. Your routing number identifies Chase Bank itself and tells other banks which Chase location to send money to. Chase's routing number varies slightly depending on which state your account is based in, but it's typically nine digits.

When you set up direct deposit for your paycheck or arrange a wire transfer, you'll need to provide both numbers. The routing number tells the sending bank where to send the money; the account number tells Chase which account within the bank should receive it. If you give only the account number without the routing number, the transfer won't go through.

Using your account number for payments and transfers

You'll use your 10-digit account number whenever you need to receive money from outside Chase — for example, when setting up direct deposit with your employer, arranging an automatic bill payment from another bank, or receiving a wire transfer. You may also need it if you're setting up a payment from a third-party service like PayPal or a utility company.

For transfers between your own Chase accounts, you usually don't need to enter the full account number. The Chase app or website will show your accounts and let you move money between them with just a few taps. But for any transaction that involves another bank or financial institution, the 10-digit account number is required.

What the digits represent

Chase's 10-digit account number doesn't encode information the way some other financial institutions' numbers do. The digits are essentially a reference code that Chase's system uses to locate your account in their database. You can't decode the digits to learn anything about your account type, branch, or opening date — they're just a unique identifier.

The routing number, by contrast, does contain encoded information about the bank and region, which is why it varies by state. But the account number itself is straightforward a string of 10 digits assigned to you when you open the account.

Keeping your account number find

Your account number is not as sensitive as your PIN or password, but you should still treat it with care. It's safe to share your account number and routing number with your employer for direct deposit, with your bank for bill payments, or with trusted financial institutions. However, don't share it in response to unsolicited emails or calls, and don't post it on social media or public forums.

If you suspect your account number has been compromised or used fraudulently, contact Chase when ready. You can call the number on the back of your debit card or log into your online account and use the find message feature. Chase monitors accounts for unusual activity, but reporting suspected fraud yourself ensures it gets flagged right away.

Frequently Asked Questions

Can I change my Chase account number?

No, your account number is permanent and cannot be changed. If you close the account and open a new one, you'll receive a new account number. Some people open a new account to get a fresh number if they're concerned about security, though this is rarely necessary.

Is my Chase account number the same as my debit card number?

No, they are different. Your debit card number is 16 digits and is printed on the front of your card. Your account number is 10 digits and appears on your checks and in your online banking portal. The debit card number is tied to your account but is not the same as the account number itself.

What if I give someone the wrong account number?

If you provide an incorrect 10-digit account number, the transaction will likely fail or the money will go to the wrong account. If money does go to the wrong account, contact Chase when ready. They can sometimes recover the funds, but the process takes time and isn't always successful.

Do I need my account number to log into Chase online banking?

No, you log in with your username and password or through the mobile app. Your account number is not used for login security. Once you're logged in, you can view your account number in the account details section.