Your Chase routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit
Every bank in the United States has routing numbers — they are like a postal address for your money. When your employer sends your paycheck or someone pays you through a transfer, their bank uses your routing number to find Chase and then find your specific account. Chase has multiple routing numbers because different branches and different states use different ones. The routing number you need depends on which state your account is based in, not where you live now.
You do not need to memorize it or understand how it works behind the scenes. You just need to know where to find it when someone asks for it — which happens when you set up direct deposit, arrange automatic bill payments, or receive money from outside sources.
Key Takeaways
- Your Chase routing number is a nine-digit code printed on the bottom left of your checks, or you can find it through your Chase online account or mobile app.
- Chase has different routing numbers for different states, so the correct one depends on which state your account was opened in, not where you currently live.
- You will need your routing number when setting up direct deposit, automatic bill payments, or receiving transfers from other banks.
- The routing number is not secret — it appears on your checks and is public information — but you should keep your full account number private.
Where to find your routing number on a check
If you have Chase checks, the routing number is printed at the bottom left corner of every check. It is the first set of nine digits. The second set of numbers (longer, usually ten to twelve digits) is your account number. The third set on the right is the check number itself.
The routing number is always in the same place on every Chase check you have, so you only need to look at one. If you have not ordered checks yet or do not have any on hand, you can find the number through other methods — checks are not required.
Finding your routing number through Chase online or the mobile app
Log into your Chase account on chase.com or open the Chase mobile app. Go to your account details or account information section — the exact location varies slightly depending on whether you are on a computer or phone, but it is usually under "Account" or "Settings." Your routing number will be listed there along with your account number.
If you cannot find it in your account details, you can also call Chase customer service at the number on the back of your debit card. Have your account number ready, and they will give you the routing number over the phone in less than a minute.
Why Chase has different routing numbers by state
Chase operates as separate legal entities in different states, and the Federal Reserve assigns each one its own routing number. This is true for all large banks with branches across the country. Your routing number is tied to the state where your account was opened, not the state where you live now or where you are calling from.
If you opened your account in California but moved to Texas, you still use the California routing number. This does not affect how your account works — transfers and deposits arrive the same way. The routing number just tells the sending bank which Chase entity to route the money through.
The difference between routing number and account number
Your routing number identifies Chase (or whichever bank you use). Your account number identifies your specific account within Chase. Think of the routing number as the bank's address and the account number as your mailbox number at that address.
When you give someone your information for a transfer or direct deposit, you give them both numbers. The routing number gets the money to Chase. The account number makes sure it lands in your account and not someone else's. You can share your routing number freely — it is printed on your checks and is public information. Your account number should stay private, like a password.
When you will need to provide your routing number
You will need your Chase routing number when setting up direct deposit for your paycheck, arranging automatic bill payments from your checking account, or receiving a wire transfer or ACH transfer from another person or organization. You may also need it if you are moving money between your own accounts at different banks, or if you are setting up a payment through a third-party service like PayPal or a bill-pay website.
In each case, you will be asked for your routing number and account number together. Have both ready before you start the process, and double-check that you have entered them correctly — a mistake in either number can send money to the wrong place or delay the transfer.
What to do if you cannot find your routing number
Call Chase at 1-800-935-9935 (the number on the back of your debit card will also work). Tell them you need your routing number. They will ask for your account number or the last four digits of your Social Security number to confirm your identity, then give you the number when ready.
You can also visit a Chase branch in person with your ID and ask a teller. This takes a few minutes but is useful if you want to confirm other account details at the same time or if you prefer to handle it face-to-face.
Frequently Asked Questions
Is my routing number the same for checking and savings accounts?
Yes. All of your accounts at Chase in the same state share the same routing number. The account number is what distinguishes between your checking account, savings account, and any other accounts you have. When you provide your routing number and account number together, the system knows exactly which account to use.
Can I use the same routing number if I move to a different state?
Yes. Your routing number does not change when you move. It stays tied to the state where you originally opened the account. You can use it for transfers and direct deposits no matter where you live now.
What if I have multiple Chase accounts?
All your Chase accounts in the same state use the same routing number. Each account has its own account number. When you set up a transfer or direct deposit, you provide the routing number plus the specific account number for whichever account you want the money to go into.
Is it safe to give someone my routing number?
Yes. Your routing number is public information — it is printed on every check you write. Someone cannot access your account with just the routing number. They need both your routing number and your account number, and even then they can only move money in the direction you authorize. Never share your full account number or PIN with anyone you do not trust completely.
Do I need my routing number to use my debit card?
No. You only need your routing number for transfers, direct deposits, and bill payments. Using your debit card in a store or online does not require it. Your card has its own security features and does not use the routing number.