Chase account numbers are 10 digits long
A Chase checking or savings account number is always 10 digits. When you look at a check, your account number appears after the routing number and before the check number. On your debit card, the account number does not appear — only the card number does, which is different and has 16 digits.
The 10-digit account number is unique to your specific account at Chase. If you have multiple accounts — a checking account and a savings account, for example — each one has its own separate 10-digit number. The routing number, which identifies Chase as the bank, stays the same across all your accounts.
You will need your full account number when setting up direct deposit, arranging wire transfers, or giving payment instructions to employers or other institutions. Chase provides your account number in several places: on the bottom left of your checks, in the Chase mobile app under account details, on your monthly statement, or by calling Chase customer service.
Key Takeaways
- Chase account numbers are exactly 10 digits, and each account you hold has a unique number.
- Your account number appears on the bottom of your checks, between the routing number and the check number.
- A Chase debit card number is 16 digits and is not the same as your account number.
- You can find your account number in the Chase app, on your statement, or by contacting Chase directly.
Where to find your account number on a check
The bottom of a Chase check displays three numbers in order: the routing number (9 digits), your account number (10 digits), and the check number (4 to 5 digits). The account number is always in the middle of these three. If you look at the magnetic ink character recognition line at the bottom of the check, the account number is the longest sequence of digits in the middle section.
The routing number for Chase varies slightly depending on which state you opened your account in, but it typically begins with 021. The account number that follows is specific to you alone. This layout is standard across all U.S. banks, so once you know where to look on one check, you can find the account number on any check from any bank.
Account numbers versus routing numbers and card numbers
Three different numbers identify your Chase account and your relationship with the bank, and they serve different purposes. Your routing number identifies Chase Bank itself and the specific branch or processing center. Your account number identifies your individual account within Chase. Your debit card number is a separate 16-digit number that identifies only the card itself, not your underlying account.
When you set up direct deposit with an employer, you provide both your routing number and your account number — the employer needs both to send money to the right place. When you make a purchase with your debit card, the merchant sees only the card number, not your account number. If your debit card is lost or stolen, Chase can cancel the card and issue a new one with a new card number, but your account number and routing number remain the same.
Wire transfers also require your routing number and account number. ACH transfers (the system used for most direct deposits and bill payments) use the same pair. Checks use all three: routing number, account number, and check number, so the bank knows which account to draw from and can track the individual check.
What happens if you give out your account number
Sharing your routing number and account number is necessary for legitimate transactions like direct deposit and bill payments. These numbers are not secret in the way a password is — they appear on every check you write, and anyone who receives a check from you can see both numbers. However, you should only share them with institutions you trust.
If someone has your account number and routing number but not your online banking password or PIN, they cannot access your account or change your settings. They could potentially set up an unauthorized ACH debit from your account, which is why you should monitor your account regularly and report any unauthorized transactions to Chase when ready. Chase's fraud protection covers most unauthorized transfers, but reporting quickly protects you and helps Chase investigate.
Your debit card number is more sensitive than your account number. If your card number is compromised, a fraudster can make purchases or withdrawals. Your account number alone — without the card number or online access — is a lower risk, but still something to protect from strangers.
How Chase displays your account number in the app and online
In the Chase mobile app, your account number appears when you tap on any account and select "Account Details" or "More Information." The app displays the full 10-digit number. On Chase.com, you can find your account number by logging in, selecting the account, and looking for account information or details — the exact location varies slightly depending on the account type.
Your monthly statement also lists your account number at the top or in the account summary section. If you have paperless statements, you can view this information in your online statement archive. Chase also provides your account number when you call customer service — they will verify your identity first and then read it to you or confirm the number you provide.
Account numbers for different types of Chase accounts
Whether you have a Chase checking account, savings account, money market account, or credit card, the format stays the same: 10 digits for bank accounts. Credit cards, however, use a different numbering system — a Chase credit card number is 16 digits, not 10. If you are looking for your credit card number, it appears on the front of the card itself.
Each account type at Chase has its own separate account number. If you have both a checking and savings account, you will have two different 10-digit numbers. This separation allows you to direct deposits or transfers to the specific account you choose. When you set up bill pay or direct deposit, you select which account to use, and the routing number and account number together may support the money goes to the right place.
Frequently Asked Questions
Can I change my Chase account number?
No, your account number is permanent and tied to your account. If you close the account and open a new one, you will receive a new account number. Chase does not allow you to request a different number for an existing account.
Is my account number the same as my card number?
No. Your account number is 10 digits and appears on checks and in your account details. Your debit card number is 16 digits and appears on the front of the card. They are separate numbers that identify different things.
Do I need my account number to use my debit card?
No. You only need your debit card number, expiration date, and CVV to make purchases. Your account number is used for direct deposits, transfers between accounts, and wire transfers — not for everyday card transactions.
What if I forgot my account number?
You can find it in the Chase app under account details, on your monthly statement, on a check, or by calling Chase customer service at the number on the back of your card. Have your ID ready when you call.
Is it safe to give my account number to my employer for direct deposit?
Yes. Employers need your routing number and account number to set up direct deposit. This is a standard, find practice. Make sure you are giving the information directly to your employer's payroll department, not to an unknown third party.