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

Chase does not have a single routing number for all customers. The number you need depends on which state your branch is in and what you're using it for — whether you're setting up direct deposit, sending a wire transfer, or receiving an ACH payment. If you give the wrong routing number, your money may go to the wrong bank or take longer to arrive.

The fastest way to find your specific routing number is to look at the bottom left of any check you have from that account. The first nine digits are your routing number. If you don't have a check, you can call Chase customer service, log into your online account, or visit a branch in person.

Key Takeaways

  • Your Chase routing number is printed on the bottom left of your checks — it's the first nine digits.
  • Chase routing numbers vary by state, so you need the one for the state where your branch is located, not where you live now.
  • You can find your routing number by calling Chase at 1-800-935-9935, logging into Chase.com or the Chase mobile app, or visiting a branch.
  • Wire transfers and ACH transfers both use routing numbers, but wire transfers may require additional information like a SWIFT code for international payments.

Finding your routing number on a check

The easiest method is to look at a check from your Chase account. At the bottom of the check, you'll see three groups of numbers separated by colons or special symbols. The first group — always nine digits — is your routing number. Write it down exactly as it appears.

If your checks are very old or from a closed account, the routing number may have changed. Chase merged with other banks over the years, and some older routing numbers are no longer active. If you're unsure whether your check is current, call Chase or check online instead.

Looking it up online or by phone

Log into Chase.com or open the Chase mobile app, then go to your account details or settings. Most accounts show the routing number in a section labeled "Account Information" or "Direct Deposit." You may need to click through a few screens to find it.

If you don't use online banking, call Chase customer service at 1-800-935-9935. Have your account number ready. A representative will confirm your identity and give you the routing number for your specific branch location. You can also visit any Chase branch in person and ask a teller.

Why routing numbers vary by state

Chase operates in multiple states, and the Federal Reserve assigns different routing numbers to different regions. Your routing number corresponds to the state where your branch is located — not the state where you currently live. If you opened your account in California but moved to Texas, you still use the California routing number unless you transfer the account to a Texas branch.

This matters because some employers or government agencies check that the routing number matches the state on your account. If there's a mismatch, the deposit may be delayed or rejected. If you've moved and want to update your branch location, you can do that through online banking or by visiting a branch.

Using your routing number for direct deposit and transfers

Direct deposit — when an employer or government agency sends your paycheck or benefits directly to your bank — requires your routing number and account number. Your employer or the benefits office will ask for both. Make sure you provide the routing number that matches your current account, not an old one.

ACH transfers, which move money between banks over one to three business days, also use routing numbers. If you're sending money to someone else's Chase account, you need their routing number and account number. Wire transfers work similarly but move faster — usually the same day — and may require additional details like a SWIFT code if the money is going to another country.

What to do if you're not sure which routing number to use

If you have multiple Chase accounts in different states, each one has its own routing number. Before you provide a routing number to an employer, lender, or another bank, confirm which account you want the money to go into. Using the wrong routing number sends the deposit to the right bank but the wrong account, and it can take days to fix.

If you're setting up direct deposit and Chase asks for a "transit number" or "bank code," that's another name for the routing number — they mean the same thing. Don't confuse it with your account number, which is different and usually longer.

Frequently Asked Questions

Is the routing number on my check the same as my account number?

No. The routing number is the first nine digits at the bottom left of your check. Your account number comes after the routing number and is usually 10 to 12 digits. Both are needed for direct deposit or transfers, but they do different things.

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

Yes, the routing number is the same for both. However, wire transfers may ask for additional information like a SWIFT code if money is going outside the United States. Ask the person or company receiving the money whether they need anything beyond the routing and account number.

What if I moved to a different state — do I need a new routing number?

Only if you move your account to a Chase branch in the new state. If you keep your original account open, you keep the original routing number even though you've moved. If you want a local branch, you can transfer the account, and Chase will give you a new routing number for that state.

Does Chase have a routing number I can use for all my accounts?

No. Each state has its own routing number, and some states have more than one depending on when the branch opened or merged. Always use the routing number for the state where your specific account is held.

What happens if I give someone the wrong routing number?

The money may go to Chase but to a different account, or the transfer may be rejected and sent back. If this happens, contact Chase and the sender right away. It usually takes a few business days to locate and redirect the money, but the sooner you report it, the faster it can be fixed.