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 — sometimes called transit numbers or ABA numbers. Chase has multiple routing numbers because different branches and account types use different codes. The routing number you need depends on where your account is located and what you're trying to do.
You'll need your routing number when setting up direct deposit from an employer, arranging automatic bill payments, or receiving a wire transfer from another bank. The routing number stays the same for your account; it doesn't change when you move money around or close and reopen accounts at the same branch.
Key Takeaways
- Chase routing numbers are nine digits and vary by state and account type, so you need the code for your specific branch location.
- You can find your routing number on the bottom left of your checks, in your Chase online banking account, or by calling Chase customer service.
- The routing number is different from your account number — your account number identifies your specific account, while the routing number identifies your bank branch.
- If you're setting up direct deposit or a wire transfer, ask your employer or the sending bank which routing number they need, because some situations require a specific code.
Where to find your Chase routing number
The fastest way is to look at a check from your account. The routing number is the first nine digits printed at the bottom left of the check, before your account number. If you don't have checks or prefer not to use them, you have three other options.
Log into your Chase online banking account or the Chase mobile app. Go to your account details or account information section — the exact location varies slightly by account type, but it's usually labeled "Account Details" or "Account Information." Your routing number will be listed there alongside your account number.
Call Chase customer service at 1-800-935-9935. Have your account number ready, and a representative can tell you the routing number for your specific branch and account type. This is the safest option if you're not sure which routing number you need for a particular transaction.
Why Chase has more than one routing number
Chase operates branches across the country, and the Federal Reserve assigns different routing numbers to different regions and processing centers. Your routing number corresponds to the state and location where your account was opened, not necessarily where you live now or where you bank in person.
Some Chase accounts also have different routing numbers depending on the type of transaction. For example, the routing number for receiving a wire transfer might differ from the one for direct deposit, though this is less common than it used to be. When in doubt, use the number on your checks or call Chase to confirm you have the right code for what you're trying to do.
The difference between routing number and account number
These two numbers work together but do different things. Your routing number identifies your bank and the specific branch where your account lives. Your account number identifies your individual account within that branch. Think of the routing number as the bank's address and the account number as your mailbox number.
When you give someone your banking information for a transfer or direct deposit, you'll provide both numbers. The routing number tells the sending bank which Chase location to contact, and the account number tells that location which account to deposit the money into. Without both, the transfer can't go through.
Using your routing number for direct deposit and transfers
When your employer sets up direct deposit, they'll ask for your routing number and account number. Provide the routing number from your checks or your online account details. The same applies if you're arranging a transfer from another bank into your Chase account — the sending bank needs your Chase routing number to know where to send the money.
For outgoing transfers from your Chase account to another bank, you typically don't need your own routing number. Instead, you provide the routing number of the bank you're sending money to. Chase's system already knows your account information.
What to do if you can't find your routing number
If you've looked at your checks, checked your online account, and still can't locate it, calling Chase is your most reliable option. Have your account number and a form of identification ready. A representative can confirm your routing number in seconds and can also tell you if you need a different code for a specific type of transaction.
If you're setting up direct deposit or a wire transfer and you're not sure which routing number to use, ask the person or organization requesting the information. They may have a list of Chase routing numbers by state, or they can tell you which code works for their system. It's better to ask than to guess and have the transfer fail.
Frequently Asked Questions
Is my routing number the same as my SWIFT code?
No. Your routing number is used for domestic transfers within the United States. A SWIFT code is used for international wire transfers. If you're sending money to or receiving money from outside the US, you'll need a SWIFT code instead. Chase can provide this if you ask.
Can I use any Chase routing number, or does it have to match my branch?
It depends on the transaction. For direct deposit and most transfers, you should use the routing number for the branch where your account is held. Using a different Chase routing number may cause delays or failed transfers. When in doubt, use the number on your checks or call Chase.
What if I moved to a different state after opening my account?
Your routing number doesn't change when you move. It stays tied to the branch where you originally opened the account. You don't need to update it or switch to a new routing number just because you relocated.
Do I need my routing number to log into my Chase account online?
No. You only need your username and password to log into Chase online banking. Your routing number is only used for transfers, direct deposit, and other transactions involving money moving between accounts or banks.
Why did Chase give me a different routing number than the one I found online?
Chase routing numbers vary by state and account type. If you found a general Chase routing number online but the one on your checks or in your account details is different, use the one specific to your account. The one tied to your account is always the correct choice.