Chase checking accounts use a 10-digit account number, plus a 9-digit routing number that identifies the bank branch
Your Chase checking account number is 10 digits long. This number is unique to your account and appears on your checks, statements, and in the Chase mobile app. The routing number — which is separate — is always 9 digits and tells other banks which Chase location processes your account. Together, these two numbers let money move in and out of your account correctly.
You will see both numbers on the bottom left of a paper check, printed in a specific order: the routing number comes first (9 digits), then your account number (10 digits). If you are setting up a direct deposit or wire transfer, you will need to provide both numbers to the other party.
Key Takeaways
- Your Chase account number is always 10 digits and appears on checks, statements, and in your online banking profile.
- The routing number is 9 digits and identifies your specific Chase branch; it is the same for all accounts at that branch location.
- Both numbers appear on the bottom of paper checks in a standardized format that other banks can read electronically.
- You will need both numbers to set up direct deposit, wire transfers, or any payment that pulls money from your account.
Where to find your account and routing numbers
The easiest place to find both numbers is the bottom of a paper check you have on hand. The routing number prints first (9 digits), followed by your account number (10 digits), then the check number. If you do not have a check, log into your Chase online banking account or open the Chase mobile app, go to your account details, and both numbers will be listed there.
You can also call Chase customer service at the number on the back of your debit card, and they will read both numbers to you over the phone. Some people also find the numbers on their monthly statement, though the format varies depending on whether you receive a paper or digital statement.
Why routing numbers vary by location
Chase operates thousands of branches across the country, and each branch has its own routing number. If you opened your account at a Chase branch in New York, your routing number will be different from someone who opened theirs in California. The routing number tells the Federal Reserve and other banks exactly which Chase location to send money to.
Your account number, by contrast, stays the same no matter where you bank or if you move. If you transfer your account to a different Chase branch, your account number does not change — only the routing number might, depending on the branch location. This is why it matters to have the correct routing number for your specific branch.
What happens if you give the wrong number
If someone tries to send you money and you give them the wrong account number, the transfer will either be rejected or sent to the wrong account. Banks have safeguards in place, so a payment usually bounces back rather than landing in a stranger's account, but this can cause delays of several business days while the error is caught and reversed.
If you give the wrong routing number, the money may go to a different bank or a different Chase branch entirely. Again, most systems catch this and return the money, but it is not when ready. To avoid this, double-check both numbers before you share them, especially for important payments like payroll or bill payments.
How account numbers work with other Chase services
Your 10-digit account number is the same whether you are using online banking, the mobile app, or visiting a branch in person. Chase uses this number to pull up your account history, process transfers, and link any savings accounts or credit cards you have with them. If you have multiple checking accounts with Chase, each one has its own unique 10-digit number.
When you set up a transfer between your own Chase accounts, you only need the account number — the routing number is not required because the money is staying within Chase's system. For transfers to other banks, you will need to provide both the routing number and the account number so the other bank knows where to send the money.
Security and protecting your account numbers
Your account number is semi-public information — it appears on checks you write and on statements you may share with others. However, you should still treat it carefully. Do not share your account number with anyone unless you have initiated the transaction yourself or you trust the person completely.
The routing number is public and does not pose a security risk on its own. However, the combination of your routing number and account number is enough for someone to set up an unauthorized transfer from your account. If you suspect fraud, contact Chase when ready through the number on your debit card or by logging into your account online.
Frequently Asked Questions
Can I change my Chase account number?
No, your account number is permanent and cannot be changed. If you are concerned about fraud, contact Chase and they can help you monitor the account or move your money to a new account with a different number.
Do all Chase branches use the same routing number?
No. Each Chase branch location has its own routing number. If you move or switch branches, confirm your routing number with Chase, as it may be different from your previous branch.
What if I only have a debit card and no checks?
Log into your Chase online banking account or mobile app and go to account details. Both your account number and routing number will be listed there. You can also call the customer service number on the back of your debit card.
Is my account number the same as my debit card number?
No. Your debit card number is different from your account number. The account number is what you use for transfers and direct deposits. The debit card number is what you use to make purchases and withdraw cash.
What do I do if I gave my account number to someone I do not trust?
Contact Chase right away. They can monitor your account for unauthorized activity and, if needed, close the account and open a new one with a different number. Act quickly — the sooner you report it, the better protected you are.