Chase account numbers have 10 digits
A Chase checking or savings account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, or by calling Chase customer service. The 10-digit number is unique to your account and stays the same for as long as you hold that account.
This 10-digit format applies whether you have a personal checking account, a savings account, a money market account, or most other Chase deposit products. If you're setting up a wire transfer, arranging direct deposit, or giving someone your account details for a payment, you'll always reference these 10 digits.
Key Takeaways
- Chase account numbers are always 10 digits, regardless of account type or when you opened it.
- You can find your account number on the bottom left of your checks, in the Chase mobile app, or by logging into your online account.
- The routing number (9 digits) and account number (10 digits) are two separate pieces of information needed for transfers and direct deposit.
- Your account number is unique to you and does not change unless you close the account and open a new one.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check. Look at the bottom of the check: you'll see three groups of numbers. The first group (9 digits) is your routing number. The second group (10 digits) is your account number. The third group is the check number itself.
If you don't have checks handy, log into Chase.com or the Chase mobile app. Your account number appears in the account details section, usually visible on the main dashboard or under account settings. You can also call Chase at the number on the back of your debit card and ask a representative to confirm your account number over the phone.
The difference between routing number and account number
People often confuse these two because they appear together on checks, but they serve different purposes. Your routing number (9 digits) identifies which Chase branch or processing center handles your account. Your account number (10 digits) identifies your specific account within Chase's system.
When you set up direct deposit with an employer or arrange a wire transfer, you need both pieces of information. The routing number tells the sending bank where to send the money; the account number tells Chase which account to deposit it into. If you provide only one without the other, the transfer will fail or go to the wrong place.
Why account numbers are always 10 digits at Chase
Chase standardized its account numbering system years ago to make processing faster and more reliable. The 10-digit format gives Chase enough combinations to issue unique numbers to millions of customers without running out of available numbers. This consistency also makes it easier for their systems to validate account numbers automatically when you're setting up transfers or payments.
Other banks use different lengths—some use 8 digits, others use 12—but within Chase, 10 digits is the standard across all personal and most business accounts. This uniformity means Chase's software and payment processors can handle your account number the same way every time.
What happens if you write down the wrong number of digits
If you accidentally provide 9 digits instead of 10, or 11 digits instead of 10, the receiving institution's system will usually catch the error before processing the transfer. Banks validate account numbers against their expected format, so a number that's too short or too long will be flagged as invalid.
The risk is greater if you transpose digits or misread a number but still provide all 10 digits. In that case, the transfer might go through to someone else's Chase account, or it might be rejected if the 10-digit combination doesn't exist in Chase's system. Always double-check your account number before submitting it for a wire transfer or setting up direct deposit.
Account numbers on different Chase account types
Whether you have a Chase Total Checking account, a Chase Savings account, a Chase Money Market account, or a Chase business account, the account number format remains 10 digits. Each account you open with Chase gets its own unique 10-digit number, so if you have both a checking and a savings account, you'll have two different account numbers.
If you're managing multiple accounts, keep them organized by writing down which account number belongs to which account type. This prevents confusion when you're setting up transfers between your own accounts or when you need to reference a specific account with Chase customer service.
Frequently Asked Questions
Can a Chase account number be shorter or longer than 10 digits?
No. Chase account numbers are always exactly 10 digits. If you see a number that's shorter or longer, you may have included the routing number, the check number, or made a transcription error. Verify the number by checking your checks or logging into your Chase account online.
Is my account number the same as my routing number?
No. Your routing number is 9 digits and identifies your Chase branch or processing center. Your account number is 10 digits and identifies your specific account. Both appear on your checks, but they are separate numbers used for different purposes in the payment system.
What if I give someone my account number but not my routing number?
They won't be able to complete a transfer without the routing number. For direct deposit or wire transfers, both numbers are required. The routing number directs the money to Chase; the account number directs it to your specific account within Chase.
Do I need to memorize my 10-digit account number?
You don't need to memorize it, but it's helpful to write it down and keep it in a safe place. You'll need it for setting up direct deposit, arranging wire transfers, and contacting Chase about your account. Storing it securely (not on a sticky note on your monitor) protects you if someone gains access to your workspace.
If I close my Chase account and open a new one, will I get a different account number?
Yes. When you close an account and open a new one, Chase assigns you a new 10-digit account number. The old number is retired and cannot be reused. This is why it's important to update your direct deposit information with your employer if you switch accounts.