Your Chase routing number depends on which state you bank in and what type of account you have
A routing number is a nine-digit code that tells the banking system which specific Chase branch or processing center handles your account. You need it when you set up direct deposit, arrange automatic bill payments, or send money to someone else's account at a different bank. Chase does not have one routing number for the whole company — the number changes based on where your account is located.
The fastest way to find your routing number is to look at the bottom left corner of any check you have from that account. The first set of nine digits is your routing number. If you do not have checks handy, you can also find it by logging into your Chase online banking, calling Chase customer service, or visiting the Chase website's routing number lookup tool.
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 and account type, so you cannot use the same number for all your accounts.
- You can find your routing number through Chase online banking, a phone call to customer service, or the Chase routing number lookup tool on their website.
- When you set up direct deposit or automatic payments, the routing number tells the other bank exactly where to send or pull the money.
Finding your routing number on a check
The easiest method is to grab a check from your account. At the bottom of the check, you will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number. This works because every check is printed with the routing number for that specific account.
If your checks are old or you have moved states, make sure the routing number matches your current account location. Chase sometimes updates routing numbers when accounts are transferred between processing centers, though this is uncommon.
Using Chase online banking or the mobile app
Log into your Chase account on their website or mobile app and look for account details or account information. Most accounts show the routing number in a section labeled "Account Details," "Account Information," or "Routing and Transit Numbers." The exact location varies slightly depending on whether you use the website or app, but it is always in the account settings area.
If you cannot find it in account details, look for a section about setting up direct deposit or transfers — routing numbers are often listed there as well. This method is reliable because the number shown is always the current routing number for your account.
Calling Chase customer service
You can call Chase at the number on the back of your debit card or credit card, or look up their customer service number on the Chase website. Tell the representative you need your routing number for your checking or savings account. They will ask you to verify your identity and then provide the number over the phone.
This method takes longer than checking a check or logging in online, but it works if you do not have access to your account or checks at that moment. Keep a pen and paper ready so you can write down the number correctly.
Chase routing number lookup tool
Chase maintains a routing number lookup tool on their website where you can enter your state and account type. The tool will show you the routing number for accounts in that location. This is useful if you want to verify a number before using it or if you are setting up a new account and want to know the routing number in advance.
The lookup tool is free and does not require you to log in. You straightforward select your state from a dropdown menu, and the tool displays the routing numbers for different Chase account types in that state.
Why routing numbers differ by state and account type
Chase operates through different processing centers in different regions. Each center has its own routing number so that the banking system can direct transactions to the correct location. If you have a checking account in California and a savings account in Texas, those accounts will have different routing numbers because they are processed through different Chase centers.
This is standard across all banks, not unique to Chase. The routing number system ensures that when money moves between banks, it reaches the right place. Using the wrong routing number will not send your money to the wrong person — the transaction will typically be rejected or delayed — but it is important to use the correct one to avoid delays.
What to do if you cannot find your routing number
If you have tried checking your checks, logging into online banking, and using the Chase lookup tool and still cannot find your number, call Chase customer service. They can pull up your account and give you the routing number when ready. Have your account number and a form of identification ready.
You can also visit a Chase branch in person and ask a teller for your routing number. This is slower than a phone call but works if you prefer to handle it face-to-face.
Frequently Asked Questions
Do I need a different routing number for checking and savings accounts?
Usually no — most people have the same routing number for both checking and savings accounts at the same Chase location. However, some account types or older accounts may have different routing numbers. Check your statements or account details to be sure, or call Chase to confirm.
What happens if I use the wrong routing number?
The transaction will usually be rejected or delayed while the banking system tries to sort it out. The money will not go to the wrong person. Contact the other bank or Chase to correct the routing number and resubmit the transaction.
Can I use the same routing number if I move to a different state?
If you keep your Chase account open in your original state, your routing number stays the same. If you close that account and open a new one in a different state, your new account will have a different routing number based on the new location.
Is my routing number the same as my account number?
No. Your routing number identifies which bank processes your account. Your account number identifies your specific account within that bank. Both appear on your checks, but they are different numbers used for different purposes.
Do I need to memorize my routing number?
No. You only need it when you set up direct deposit, automatic payments, or wire transfers. Write it down or save it in a note on your phone, but you do not need to memorize it.