Chase routing numbers depend on where you opened your account and what state you live in

Chase does not have a single routing number for all customers. The number you need depends on two things: which Chase bank location processed your account opening, and which state that location is in. Most people have one of three routing numbers, but some have others. The fastest way to find yours is to look at a check you have written — the routing number is the first nine digits at the bottom left of the check, before your account number.

If you do not have a check, you can find your routing number by logging into your Chase online banking account, calling Chase customer service at 1-800-935-9935, or visiting a Chase branch in person with your ID. Chase also publishes a full list of routing numbers by state on its website under "Routing Numbers" in the customer service section.

Key Takeaways

  • Your Chase routing number appears as the first nine digits at the bottom left of any check you have written.
  • Chase routing numbers vary by state and the location where you opened your account, so you cannot assume all Chase customers share the same number.
  • You can find your specific routing number by logging into your Chase online account, calling 1-800-935-9935, or visiting a branch with your ID.
  • The most common Chase routing numbers are 021000021 (New York), 111000025 (California), and 044000037 (Illinois), but your number may differ based on where your account was opened.

Where to find your routing number in seconds

The easiest source is a check. Open your checkbook and look at the bottom left corner of any check. You will see a series of numbers printed in a special magnetic ink format. The first nine digits are your routing number. The next set of digits (usually 10 to 12 numbers) is your account number. This method works because the routing number is printed on every check you order from Chase.

If you do not have checks or prefer not to write one, log into your Chase online banking account on chase.com. Go to your account details or account information section — the exact location varies slightly depending on whether you use Chase's personal or business portal. Your routing number will be listed there alongside your account number. You can also take a screenshot or write it down for future use.

Why Chase has multiple routing numbers

Chase is a national bank with thousands of branches across the United States. When you open an account, Chase assigns you a routing number based on the state where your account was opened and the specific processing center that handles your account type. This is why two Chase customers in the same city might have different routing numbers — it depends on which branch processed the account and when.

The routing number tells the banking system which Chase processing center to send money to when someone transfers funds to your account. Using the wrong routing number can cause transfers to fail or be delayed. This is why it matters that you use the correct number for your specific account, not just any Chase routing number you find online.

The three most common Chase routing numbers

If you opened your Chase account in New York or the Northeast, your routing number is likely 021000021. If you opened it in California or the West Coast, it is likely 111000025. If you opened it in Illinois or the Midwest, it is likely 044000037. These three numbers cover the majority of Chase customers, but they do not cover all of them.

Do not assume your routing number is one of these three without checking. Using the wrong routing number — even if it is another valid Chase number — can cause an incoming wire transfer or direct deposit to be routed to the wrong account or rejected entirely. Always verify your specific routing number before giving it to an employer, lender, or anyone sending you money.

When you need your routing number and when you do not

You need your routing number when someone is sending you money electronically. This includes direct deposits from an employer, government benefits, tax refunds, or wire transfers from another person or business. You also need it if you are setting up automatic bill payments from your Chase account to a creditor or utility company. In these cases, the sender or biller needs both your routing number and your account number to process the transaction.

You do not need your routing number for everyday transactions like debit card purchases, ATM withdrawals, or in-person deposits at a Chase branch. You also do not need it to transfer money between your own Chase accounts or to send money to another Chase customer using Chase's internal transfer system. If you are unsure whether you need it for a specific transaction, ask the person or organization requesting the information.

What to do if you cannot find your routing number

Call Chase customer service at 1-800-935-9935. Have your account number and a form of ID ready. A representative can tell you your routing number over the phone in less than a minute. This is the fastest option if you need the number when ready and do not have access to a check or your online account.

You can also visit a Chase branch in person with your ID and ask a teller for your routing number. They will provide it on the spot. If you prefer to handle it online, log into your Chase account and look under account details or account information. If you still cannot locate it, the Chase website has a searchable routing number tool organized by state.

Frequently Asked Questions

Is my Chase routing number the same as every other Chase customer?

No. Your routing number depends on the state where you opened your account and which Chase processing center handles your account. Two Chase customers in the same city may have different routing numbers. Always verify your specific number rather than assuming it matches someone else's.

Can I use any Chase routing number I find online?

No. You must use the routing number assigned to your specific account. Using a different Chase routing number can cause transfers to fail or be sent to the wrong account. Check your checks, online account, or call Chase to confirm your number before sharing it.

What happens if I give someone the wrong routing number?

The transfer may be rejected, delayed, or routed to a different account. If money is sent to the wrong account, it can take days or weeks to recover. Always double-check your routing number before providing it to an employer, lender, or anyone sending you money.

Do I need my routing number to use my debit card?

No. You only need your routing number for electronic transfers, direct deposits, and bill payments. Debit card purchases, ATM withdrawals, and in-person deposits do not require your routing number.