Your Chase routing number is a nine-digit code that tells other banks where to send money to your account

Every bank has routing numbers — they are how the banking system directs money between institutions. When you set up direct deposit at work, pay a bill online, or send money to someone at a different bank, you need your routing number so the money goes to the right place. Chase's routing number depends on which state your account is based in, not where you live now. The fastest way to find it is to look at the bottom left of any check you have, or to log into your Chase account online.

If you do not have checks or online access yet, you can call Chase customer service or visit a branch in person. The routing number is public information — it is the same for everyone with a Chase account in your state, so there is no security risk in sharing it.

Key Takeaways

  • Your Chase routing number appears on the bottom left of any check, before your account number.
  • Chase routing numbers vary by state, so you need the one for the state where you opened your account, not where you live now.
  • You can find your routing number by logging into Chase.com or the Chase mobile app under account details.
  • Calling Chase customer service at 1-800-935-9935 will give you your routing number in seconds.

Finding your routing number on a check

The simplest method is to look at a check from your Chase account. At the bottom of the check, you will see three groups of numbers separated by vertical lines. The first group on the left is your routing number — it is always nine digits long.

The middle group is your account number, and the third group on the right is the check number. If you have not ordered checks yet or do not have them with you, move to one of the other methods below.

Looking it up online through Chase.com or the mobile app

Log into your Chase account at Chase.com or open the Chase mobile app on your phone. Once you are signed in, go to the account details or account information section — the exact location varies slightly depending on whether you are using a computer or phone, but it is usually under "Account" or "Settings."

Your routing number will be listed there alongside your account number. You can take a screenshot or write it down. If you cannot find it in account details, try looking under the section for setting up direct deposit or external transfers — routing number information is often grouped there because that is when people need it most.

Calling Chase customer service

If you prefer to speak to someone or do not have online access, call Chase customer service at 1-800-935-9935. Have your account number or the phone number associated with your account ready. A representative will verify your identity and give you your routing number over the phone.

Wait times vary depending on the time of day and how busy the line is. Calling early in the morning on a weekday usually means shorter waits than calling in the afternoon or on weekends.

Visiting a Chase branch in person

Walk into any Chase branch with a photo ID and ask a teller for your routing number. They can write it down for you or print it on a receipt. This method works well if you are already in a branch for another reason, though it is slower than the other options if routing number is all you need.

You can find branch locations and hours on Chase.com or by searching "Chase near me" in Google Maps.

Understanding why routing numbers vary by state

Chase operates in all 50 states, and the Federal Reserve assigns different routing numbers to different regions. Your routing number is tied to the state where you opened your account, not the state where you live now. If you opened a Chase account in California five years ago and moved to Texas, you still use the California routing number.

This matters because some employers or bill-pay systems ask which state your account is in. If you are unsure which state your account was opened in, your Chase account details online will show it, or a customer service representative can tell you.

What to do if you have multiple Chase accounts

If you have more than one Chase account — for example, a checking account and a savings account — they share the same routing number. The routing number identifies the bank and the state, not the individual account. Your account number is what distinguishes one account from another.

When you set up direct deposit or a transfer, you will need both your routing number and your account number. The routing number tells the other bank which Chase location to send the money to, and the account number tells Chase which of your accounts to deposit it into.

Frequently Asked Questions

Is my Chase routing number the same as every other Chase customer in my state?

Yes. All Chase accounts opened in the same state share the same routing number. The routing number identifies Chase and your state, not your individual account. Your account number is what makes your account unique.

What if I moved to a different state after opening my account?

Your routing number does not change. It stays tied to the state where you originally opened the account. You do not need to do anything — just keep using the same routing number you have always used.

Can I find my routing number on my debit card?

No. Your debit card shows your card number and expiration date, but not your routing number. You will need to check a check, log into your account online, or call customer service to find it.

Do I need my routing number to use my debit card at an ATM or store?

No. Your routing number is only needed for transfers between banks, direct deposit, bill pay, and wire transfers. You do not need it to swipe your card or withdraw cash from an ATM.

What if Chase closed my account and I need the routing number for records?

Call Chase at 1-800-935-9935 and explain that your account is closed. A representative can still provide your routing number for your records. You may need to provide your former account number or other identifying information.