Your Chase checking account has multiple identifying numbers, and you need to know which one to use

A Chase checking account uses three separate numbers: your account number (typically 10 digits), your routing number (always 9 digits), and your check number (varies by check). Your account number identifies your specific account within Chase. Your routing number identifies Chase itself and which branch processes your transactions. Your check number is printed on each individual check you write and tracks that specific check.

These numbers appear in different places on your checks, statements, and online banking. Knowing where to find each one and what it does matters when you set up direct deposit, send wire transfers, pay bills, or troubleshoot a transaction that went wrong.

Key Takeaways

  • Your 10-digit account number identifies your specific Chase account and appears on checks, statements, and in the mobile app.
  • Chase's 9-digit routing number is the same for all Chase customers in your region and is needed for direct deposit and wire transfers.
  • Check numbers are printed on the bottom left of each check and are unique to that individual check, not your account.
  • You can find all three numbers on a paper check, but online banking and the Chase app show account and routing numbers without needing a physical check.

Where to find your account number

Your account number is printed on the bottom of your checks, right after the routing number. It is 10 digits long. On a check, the order from left to right is: routing number, then account number, then check number.

You can also find your account number in Chase online banking by logging in and looking at your account details, or in the Chase mobile app under your account information. Your statement—whether paper or electronic—also lists your account number at the top. If you have multiple Chase accounts, each one has its own account number.

Where to find your routing number

Your routing number is the first set of nine digits printed on the bottom left of your checks. For most Chase customers, the routing number is 021000021, though some regions and account types use different routing numbers. The routing number tells other banks and payment processors that the money is going to or coming from Chase.

You need your routing number when you set up direct deposit with an employer, arrange automatic bill payments, or send a wire transfer. You can confirm your specific routing number by calling Chase at the number on the back of your debit card, checking your statement, or logging into online banking. Do not assume all Chase accounts use the same routing number—some branches and account types have different ones.

What your check number is and why it matters

Your check number is printed on the bottom right of each check and is unique to that individual check. Check numbers usually start at 1001 and increase by one for each check in your book. When you write a check, the check number helps you track which specific check you wrote and when.

If a check you wrote goes missing or you need to stop payment on it, you will need the check number to tell Chase which check to cancel. Your bank statement also lists check numbers next to each check you wrote, so you can match them to your records. Check numbers are not secret—they are printed on the front of the check for anyone to see.

How these numbers work together in common situations

When you set up direct deposit, your employer needs your account number and routing number. They use the routing number to find Chase, then the account number to deposit money into your specific account. The check number is not needed for direct deposit.

When you write a check, you fill in the amount and who it is for, but the check number is already printed. The person who receives the check can see all three numbers on the bottom, but they only need the account and routing numbers if they want to deposit it electronically instead of taking it to a bank. If you need to stop payment on a check, you tell Chase the check number so they know which one to block.

If you receive a wire transfer or ACH payment, the sender needs your account number and routing number. They do not need the check number because wire transfers and ACH payments do not use checks.

What happens if you give out the wrong number

Giving out your account number and routing number is normal and necessary—you do this every time you set up direct deposit or arrange a payment. These numbers are not secret. However, giving out just your account number without the routing number is usually useless to someone trying to commit fraud, because they would not know which bank to send the money to.

If you accidentally give someone your check number, that is low risk because a check number alone does not let someone access your account or move money. If you are concerned about a transaction, contact Chase directly using the number on the back of your debit card or statement—not a number someone else gave you.

Finding these numbers if you do not have a checkbook

If you have a Chase checking account but have not ordered checks yet, or your checks are old and you need current numbers, you can find your account and routing number in Chase online banking or the mobile app without a physical check. Log in, go to your account details or account information, and both numbers will be listed there.

You can also call Chase customer service at the number on the back of your debit card. They can confirm your account number and routing number over the phone. If you need to order checks, Chase can do that through online banking or by phone, and your new checks will have the same account number and routing number printed on them.

Frequently Asked Questions

Is my Chase routing number the same as everyone else's?

Most Chase customers use routing number 021000021, but some regions and account types have different routing numbers. The safest approach is to check your own checks, statement, or online banking rather than assuming. If you are setting up direct deposit, your employer can usually confirm the correct routing number for you.

Can someone access my account with just my account number?

Your account number alone is not enough to move money or access your account. Someone would also need your routing number to know which bank to contact, and even then they would typically need additional verification like your PIN or password. If you are concerned about unauthorized activity, contact Chase when ready.

What if I lose a check or it goes missing?

Contact Chase with the check number and the amount you wrote it for. Chase can put a stop payment on that specific check, which usually costs $25 to $35. This prevents the check from being cashed if someone finds it. You can do this through online banking, the mobile app, or by calling Chase.

Do I need my check number for online bill pay?

No. Online bill pay through Chase uses your account number and routing number behind the scenes, but you do not enter the check number. You just set up the payee and the amount, and Chase handles the rest.

What is the difference between my account number and my customer ID?

Your account number identifies your specific checking account. Your customer ID (or customer service number) identifies you as a Chase customer across all your accounts. They are different numbers. When setting up direct deposit or payments, use your account number, not your customer ID.