Your routing number is printed on the bottom left of your checks, or you can find it on Chase's website by entering your state and account type
The routing number is a nine-digit code that tells other banks and payment systems which Chase branch or processing center handles your account. You need it to set up direct deposit, arrange wire transfers, or let someone else send you money through ACH (the system banks use to move funds electronically). Chase has different routing numbers depending on which state you opened your account in and what type of account you have.
The fastest way to find it: look at the bottom left corner of any check you have. The first nine digits are your routing number. If you do not have checks, Chase's website has a routing number lookup tool that takes 30 seconds.
Key Takeaways
- Your routing number appears on the bottom left of your checks as the first nine-digit number.
- Chase routing numbers vary by state, so you need to know which state your account is registered in.
- You can find your routing number on Chase.com using their routing number lookup tool without logging in.
- Different account types (checking, savings, money market) may have different routing numbers at the same branch.
- Wire transfers and ACH payments both require the correct routing number or the transaction will fail or be delayed.
Finding your routing number on a check
If you have a checkbook, your routing number is printed at the bottom of every check. Look at the lower left corner. You will see three groups of numbers separated by colons or vertical lines. The first group of nine digits is your routing number. The second group is your account number. The third is the check number.
This method works only if your checks are current. If you have very old checks from a different branch or account, the routing number may be outdated. Verify it using one of the other methods below before you use it for a payment.
Using Chase's online routing number lookup
Go to chase.com and search for "routing number" in the search bar at the top of the page. Chase's routing number lookup tool will appear. You do not need to log in to use it.
Select your state from the dropdown menu. Then select your account type: checking, savings, or money market. Chase will display the routing number for that combination. Write it down or take a screenshot. If you have multiple accounts in different states, repeat the search for each one.
This tool is reliable because Chase updates it when routing numbers change, which is rare but does happen during branch consolidations or system upgrades.
Finding it by logging into your Chase account online
Log into your Chase account at chase.com. Go to the account details or account settings section—the exact location varies depending on whether you use Chase's website or mobile app. Look for a section labeled "Account Information" or "Account Details."
Your routing number will be listed there alongside your account number. This method confirms the routing number for the specific account you are logged into, which is useful if you have multiple accounts and need to know which routing number belongs to which one.
Calling Chase customer service
Call the number on the back of your debit card or the number listed on your most recent statement. Tell the representative you need your routing number. They will ask you to verify your identity and then provide it. This method takes longer than the others but works if you do not have checks or internet access.
Customer service hours vary, but Chase typically operates phone lines during business hours and some evenings. Wait times can be 10 to 20 minutes depending on call volume.
Why routing numbers differ by state and account type
Chase operates processing centers in different states, and each one has its own routing number. If you opened your account in New York, your routing number will be different from someone who opened theirs in California, even if you both bank at Chase. The routing number tells the sending bank which processing center to route the money to.
Account type matters because some routing numbers are designated for checking accounts, others for savings, and others for money market accounts. Using the wrong routing number for your account type can cause the transaction to be rejected or delayed while the receiving bank figures out where it should go.
If you move to a different state, your routing number does not change unless you close your account and open a new one. The routing number is tied to where you opened the account, not where you live now.
What to do if you need the routing number for a wire transfer or direct deposit
Before you provide your routing number to an employer, government agency, or another person, double-check it using one of the methods above. A single wrong digit will cause the payment to fail or go to the wrong account. Many employers and payroll systems will not process direct deposit until the routing number and account number are verified.
For wire transfers, confirm the routing number with the person or institution sending the money. Some wire transfer services use a different code called a SWIFT code for international transfers, which is not the same as a routing number. Ask whether you need a routing number or a SWIFT code before you provide either one.
Frequently Asked Questions
Do all Chase accounts have the same routing number?
No. Routing numbers vary by state and account type. Two Chase customers in the same city might have different routing numbers if they opened their accounts in different states or have different account types. Always verify your specific routing number rather than assuming it matches someone else's.
What if I enter the wrong routing number?
The payment may be rejected, delayed, or sent to the wrong account. If you realize the error before the transaction clears, contact Chase when ready. If the money has already been sent, you will need to contact the receiving bank to trace it. This can take several days.
Is my routing number the same as my account number?
No. Your routing number identifies your bank and processing center. Your account number identifies your specific account within that bank. Both are printed on your checks, with the routing number first.
Can I find my routing number on my debit card?
No. Debit cards do not print routing numbers. You will need to check a physical check, use Chase's online lookup tool, log into your account, or call customer service.
Do I need a different routing number for each type of payment?
No. The same routing number works for direct deposit, ACH transfers, wire transfers, and checks. The routing number itself does not change based on how you are using it—only the account type and state matter.