Chase routing numbers depend on where you bank and what you're doing with the money

Chase does not have a single routing number for all customers. The number you need depends on which state your account is held in and sometimes on the type of transaction. A routing number is a nine-digit code that tells the banking system which branch or processing center handles your account. You'll need the correct one when you set up direct deposit, arrange a wire transfer, or authorize an automatic payment.

The most common way to find your routing number is to look at the bottom left of a check from your Chase account — it's the first set of nine digits. If you don't have a check handy, you can call Chase customer service at 1-800-935-9935, log into your Chase online account, or visit a Chase branch in person. All three methods will give you the routing number tied to your specific account.

Key Takeaways

  • Your routing number appears on the bottom left of any Chase check you have, as the first nine-digit number.
  • Chase routing numbers vary by state, so the number for a California account differs from one in New York or Texas.
  • You can find your routing number by calling Chase at 1-800-935-9935, logging into your online account, or visiting a branch.
  • Wire transfers, direct deposit setup, and automatic bill payments all require you to provide your routing number to the other party.

How to locate your routing number online or by phone

If you have a Chase online account, log in and look for the account details or account information section. Most banks display the routing number alongside your account number in this area. The exact location varies slightly depending on whether you're using the mobile app or the website, but it's usually under a tab labeled "Account Details," "Account Information," or "Routing and Account Numbers."

Calling Chase directly is often the fastest route if you're unsure. Tell the representative which state your account is in and what you plan to use the routing number for — they may have follow-up questions about the transaction, but they will give you the correct nine-digit code. Have your account number ready when you call.

Why routing numbers differ by state

Chase operates through multiple processing centers across the country, and each state or region has its own routing number. This is true for most large national banks. The routing number tells the Federal Reserve and other banks which Chase processing center should receive the funds. If you move to a different state or open a new account in another state, that account may have a different routing number even though it's still Chase.

If you have multiple Chase accounts in different states, each one may have its own routing number. Always verify which account you're sending money to before you provide the routing number, because sending funds to the wrong routing number can delay the transfer or send money to the wrong branch.

Common situations where you'll need your routing number

Direct deposit is the most frequent reason people need a routing number. Your employer or the organization sending you money will ask for both your routing number and your account number so they can deposit funds directly into your Chase account. You'll also need it if you're setting up automatic bill payments through Chase's bill pay service or through a biller's website.

Wire transfers require your routing number as well. If someone outside Chase is sending you money via wire, they'll need your routing number and account number. Similarly, if you're sending a wire transfer from your Chase account to another bank, you'll provide Chase with the receiving bank's routing number. Peer-to-peer payment services like Venmo or PayPal may ask for your routing number if you're linking your Chase account to them.

What to do if you can't find your routing number

The simplest backup is to visit a Chase branch in person. Any teller can look up your routing number in seconds and write it down for you. Bring your ID and your account number if you have it, though the teller can usually find it using just your name and the state where your account is held.

If you've lost access to your online account or can't reach customer service by phone, a branch visit is your most direct option. You can also check your most recent bank statement — some statements print the routing number near the account number, though not all do.

Protecting your routing number and account information

Your routing number is not secret information — it's printed on every check you write and is used by legitimate businesses and employers. However, you should never share your full account number along with your routing number unless you're certain you're dealing with a trusted organization. Scammers sometimes pose as banks or billers to collect account information.

If someone calls you claiming to be from Chase and asks for your account number or PIN, hang up and call Chase directly at the number on your card or statement. Chase will never call you asking for sensitive information like your PIN or full account number. Your routing number alone cannot be used to withdraw money from your account, but your routing number plus your account number together can be, so keep that combination find.

Frequently Asked Questions

Is the routing number the same for all my Chase accounts?

Not necessarily. If you have accounts in different states, each may have a different routing number. Even accounts in the same state can have different routing numbers depending on when they were opened or which processing center handles them. Check each account individually to be sure.

Can I use the same routing number for wire transfers and direct deposit?

Yes. The routing number works the same way regardless of the type of transaction. Whether you're receiving a direct deposit or a wire transfer, the routing number directs the money to the correct Chase processing center.

What happens if I give someone the wrong routing number?

The transfer may be rejected, delayed, or sent to a different Chase branch. If the wrong routing number belongs to another bank entirely, the sending bank will usually catch the error and return the money. Contact the sender and Chase if this happens — Chase can sometimes trace the funds.

Do I need a routing number to use Chase's mobile app for payments?

No. When you pay bills or send money through Chase's own app or website, the system already knows your account information. You only need a routing number when a third party (an employer, biller, or another bank) is initiating the transfer to or from your account.