Chase's routing number depends on which state your account is in

Chase does not have a single routing number for the whole bank. Instead, each state or region has its own routing number. The routing number you need is the one for the state where your Chase branch is located — not where you live now, but where you opened the account or where the branch that holds your account is physically based.

A routing number is a nine-digit code that tells other banks which Chase location to send money to. When someone pays you by check or sets up a direct deposit, they use your routing number plus your account number to make sure the money lands in the right place. Using the wrong routing number can delay a payment by days or send it to the wrong account entirely.

The most common Chase routing numbers are 021000021 (for the Northeast and Mid-Atlantic), 071000013 (for the Midwest), 111000025 (for parts of the South), and 322271627 (for the West Coast). But there are others, and the only way to know which one is yours is to check your own account information.

Key Takeaways

  • Your Chase routing number is printed on the bottom left of your checks, if you have them.
  • You can find your routing number by logging into Chase online banking, calling Chase customer service, or visiting your local Chase branch in person.
  • The routing number you need matches the state where your account is held, not your current location.
  • If you give someone the wrong routing number, the payment may be delayed or sent to a different account, so double-check before sharing it.

Where to find your routing number on a check

If you have Chase checks, your routing number is printed on the bottom left corner of every check. It is the first set of nine digits, before your account number. You do not need to open a new check or order anything — any check from your account will have the same routing number.

The format looks like this: the nine-digit routing number comes first, then your account number (which is longer), then the check number. All three are printed in the same magnetic ink at the bottom of the check.

Finding your routing number online or by phone

If you do not have checks or prefer not to look for them, log into your Chase online banking account. Go to the 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 alongside your account number.

You can also call Chase customer service at the number on the back of your debit card or credit card. A representative can tell you your routing number over the phone. Have your account number or the last four digits of your Social Security number ready so they can confirm your identity.

If you prefer to speak to someone in person, visit any Chase branch with a photo ID and your account information. A teller can write down your routing number for you on the spot.

Why Chase has different routing numbers by state

Chase is one of the largest banks in the country, with branches in most states. The Federal Reserve, which oversees the banking system, assigns routing numbers based on geography and the bank's structure. Each region or state where Chase operates gets its own routing number so that the Federal Reserve and other banks can direct payments to the right processing center.

This system has been in place for decades and applies to all large banks, not just Chase. It means that if you move to a different state, your routing number stays the same — it is tied to where your account was opened, not where you live. If you want a routing number for a different state, you would need to open a new account at a Chase branch in that state.

What happens if you use the wrong routing number

If you give someone an incorrect routing number, the payment does not automatically bounce. Instead, it may be sent to a different Chase account or held up while the banks figure out where it should go. This can take several days, and in the meantime you might think the payment failed when it actually just went somewhere else.

In rare cases, if the routing number belongs to a different bank entirely, the payment could be rejected. The safest approach is to double-check your routing number before you give it to anyone — whether for direct deposit, bill payments, or wire transfers.

Using your routing number for direct deposit and payments

Your routing number is required whenever you set up direct deposit (like for a paycheck or government benefits), arrange automatic bill payments, or receive a wire transfer. You will also need it if you want to send money from your Chase account to another bank using an ACH transfer, which is an electronic transfer that usually takes one to three business days.

Keep your routing number handy but treat it like any other banking information — do not share it with people you do not trust. Your routing number alone cannot be used to withdraw money from your account, but combined with your account number it can be used to set up payments or transfers.

Frequently Asked Questions

Do I need a different routing number if I move to another state?

No. Your routing number is tied to the branch where you opened your account, not your current address. If you move, your routing number stays the same. You only get a new routing number if you close that account and open a new one at a Chase branch in a different state.

Is my routing number the same for checking and savings accounts?

Yes. Both your checking and savings accounts at Chase use the same routing number — the one for the state where your accounts are held. You only need different account numbers to distinguish between them.

Can someone withdraw money from my account if they have my routing number?

No. Your routing number alone is not enough to withdraw money. A person would need both your routing number and your account number, plus authorization from you or the bank. Your routing number is public information — it is printed on every check you write — so sharing it is safe.

What if I cannot find my routing number anywhere?

Call the Chase customer service number on the back of your debit or credit card, or visit your local Chase branch with your ID. Both can provide your routing number in minutes. You can also log into your online banking account and look under account details or settings.