Chase routing numbers depend on where you bank and what you're doing with the money
Chase does not have a single routing number. The number you need depends on which state your account is in and whether you're sending money domestically or internationally. If you're setting up a direct deposit, paying a bill, or sending a wire transfer, you'll need the routing number tied to your specific branch location or account type.
The fastest way to find your routing number is to look at the bottom left of any check you have from that account — it's the first set of nine digits. If you don't have a check, you can find it through your Chase online banking portal, by calling Chase customer service, or by searching Chase's routing number lookup tool on their website.
Key Takeaways
- Your Chase routing number appears on the bottom left of your checks as a nine-digit code, before your account number.
- Different Chase accounts in different states have different routing numbers, so you need the one for your specific branch location.
- You can find your routing number through Chase's online banking portal, by calling their customer service line, or using their routing number lookup tool.
- Wire transfers, direct deposits, and bill payments all use the same routing number for your account.
- International wire transfers to Chase accounts outside the US require a SWIFT code instead of a routing number.
How to find your routing number through your Chase account
Log into your Chase online banking portal and go to the account details or account information section. Most accounts display the routing number alongside your account number. If you cannot find it in the main account view, look under settings or account preferences — Chase usually lists it near your account summary.
If you use the Chase mobile app, open the account you need and tap on the account details or information icon. The routing number should appear there. Some versions of the app require you to select "view account details" or a similar option to see the full routing number.
Finding your routing number by phone or in person
Call Chase customer service at the number on the back of your debit or credit card. Have your account number ready. A representative can tell you your routing number in under a minute and can also confirm which routing number to use if you have multiple Chase accounts in different states.
You can also visit a Chase branch in person and ask a teller. Bring your ID and account information. This is useful if you need the routing number when ready and want to confirm it face-to-face.
Chase routing numbers by state
Chase uses different routing numbers for different states because the bank operates through multiple regional processing centers. Some of the most common routing numbers are 021000021 (for many states including New York and California), 071000013 (for Ohio and surrounding regions), and 111000025 (for Texas and other areas). However, your specific routing number depends on where your account was opened and where your branch is located.
If you have accounts at Chase branches in multiple states, each account will have its own routing number. Do not assume all your Chase accounts use the same routing number. The easiest way to confirm is to check each account individually through your online portal or by calling customer service.
| What you're doing | What you need |
|---|---|
| Setting up direct deposit | Your routing number and account number |
| Sending a domestic wire transfer | Your routing number and the recipient's account number |
| Paying a bill through Chase | Your routing number (Chase fills this in automatically) |
| Sending money internationally to a Chase account | SWIFT code (not routing number) |
When you need a SWIFT code instead of a routing number
If you're sending money to a Chase account outside the United States, you need a SWIFT code, not a routing number. SWIFT codes are used for international transfers and are different from domestic routing numbers. Chase's SWIFT code for most international transfers is CHASUS33, though some specific branches or account types may have different codes.
Ask the person receiving the money which SWIFT code their bank uses, or contact their bank directly. If they have a Chase account outside the US, they can provide you with the correct SWIFT code. Do not use a domestic routing number for an international transfer — the money will not reach the right place.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the money may be sent to the wrong bank or account. For direct deposits, the employer's payroll system will reject the deposit and return it to the sender, which can delay your paycheck by several days or longer. For bill payments, the payment may go to the wrong account or be rejected entirely.
For wire transfers, the money may reach a different account at Chase or a different bank altogether. Once a wire transfer is sent, it is difficult to reverse. If you suspect you used the wrong routing number, contact Chase when ready and provide them with the details of the transaction. They can sometimes trace the money and help recover it, but this process takes time.
Frequently Asked Questions
Is the routing number on my check the same as my account number?
No. On a check, the routing number is the first nine digits on the bottom left. Your account number comes after the routing number and is usually 10 to 12 digits. Both are needed for direct deposits and wire transfers, but they are different numbers.
Do I need a different routing number for savings and checking accounts?
No. Both your Chase savings and checking accounts use the same routing number if they are at the same branch. The routing number is tied to your branch location, not to the account type. Your account number is what distinguishes between the two accounts.
Can I use any Chase routing number if I have multiple accounts?
No. Use the routing number for the specific account you are sending money to or from. If you have accounts at Chase branches in different states, each account has its own routing number. Using the wrong one will send the money to the wrong account.
What if Chase closed my branch — does my routing number change?
Your routing number does not change when a branch closes. Chase transfers your account to another branch, but the routing number stays the same. You do not need to update direct deposits or other payments set up with your old routing number.
Where do I find the SWIFT code for international transfers?
Chase's main SWIFT code is CHASUS33. However, some international transfers may require a different code depending on the receiving bank's location. Ask the recipient or their bank which SWIFT code to use. Do not use a domestic routing number for international transfers.