Last Updated on September 5, 2025 by admin
A Chase routing number is a nine-digit code used to identify financial institutions in the United States, specifically pertaining to accounts held with JPMorgan Chase Bank.
These numbers are essential components during various financial transactions, such as direct deposits, wire transfers, automated clearing house (ACH) transfers, and bill payments.
When you need to send or receive funds, the routing number ensures the money is properly directed to or from the correct bank.
Because JPMorgan Chase is a large institution with numerous branches across the U.S., it maintains several routing numbers, typically unique to each state or region where the branches operate.
This distinction is important because using the wrong routing number could lead to delays or errors in processing your financial transactions.
Routing numbers serve as an identifier of the bank’s physical location and play a crucial role in maintaining the integrity and efficiency of the electronic banking system.
knowing the correct Chase routing number for your account is vital for any financial activity requiring precise and timely transfers, whether you’re paying bills, setting up direct deposits, or engaging in any activity requiring the movement of money among accounts or institutions.
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How To Find Your Chase Routing Number
Finding your Chase routing number is an essential step when you want to set up direct deposits, automatic payments, or wire transfers. Each bank has its own unique routing numbers, which can vary by region.
For Chase customers, there are several easy methods to locate this number. One of the most straightforward ways is to check your personal checks if you have any.
To find your Chase routing number, follow these steps:
1. Check Your Checkbook:
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The Chase routing number is printed on the bottom left of your personal checks. It’s the first set of nine digits.
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Example:
Routing Number Account Number Check Number 123456789 123456789012 001
2. Log In to Chase Online Banking:
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Step 1: Go to the Chase website or open the Chase mobile app.
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Step 2: Log in to your account.
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Step 3: Navigate to your Account details or Account Information page.
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You should see the routing number listed under your account information.
3. Call Chase Customer Service:
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You can always call Chase customer service at 1-800-935-9935 (U.S.) to ask for the routing number associated with your account.
4. Visit a Chase Branch:
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If you prefer in-person assistance, you can visit a Chase branch and ask the teller for your routing number.
5. Look Up by State (for Wire Transfers and ACH Transfers):
Chase uses different routing numbers based on your location. For example:
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New York: 021000021
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California: 322271627
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Texas: 111000614
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You can search Chase routing numbers by state on the Chase website or other online tools.
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The Purpose Of Routing Numbers
The routing number was created by the American Bankers Association (ABA) in 1910 to bring order to check processing. Today, it’s maintained by the Federal Reserve, and it’s still essential for millions of transactions every day.
The purpose of routing numbers is to ensure that money moves accurately and securely between financial institutions in the U.S. banking system. Think of them as the digital address for your bank.
1.Identify the Bank Each routing number is unique to a financial institution, helping systems know exactly where to send or receive funds.
2.Direct Electronic Transfers Whether it’s direct deposit, wire transfers, or automated bill payments, routing numbers guide the money to the correct bank and account.
3. Process Checks When you write a check, the routing number tells the recipient’s bank which institution to contact to withdraw funds.
4. Distinguish Bank Branches Large banks may have multiple routing numbers for different regions or types of transactions (e.g., ACH vs. wire transfers).
5. Enhance Security Routing numbers work with account numbers to validate transactions, reducing errors and fraud.
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Differences Between Routing Numbers And Account Numbers
Routing numbers and account numbers serve distinct functions within the banking system, each playing a crucial role in ensuring the accurate processing of transactions.
A routing number, often seen as a nine-digit code, is fundamentally a banking institution’s identifier. It directs each transaction to the correct bank, much like a postal code routes your mail to the right location.
In the United States, routing numbers are primarily used to facilitate various banking transactions, including direct deposits, electronic payments, and check processing.
Routing Number vs. Account Number
| Feature | Routing Number | Account Number |
|---|---|---|
| Purpose | Identifies the bank or financial institution | Identifies your individual account within the bank |
| Length | Always 9 digits | Typically 9–12 digits, but can vary |
| Used For | Direct deposits, wire transfers, bill payments | Deposits, withdrawals, and account-specific transactions |
| Shared or Unique | Shared by all customers of the same bank branch | Unique to each customer and account |
| Location on Check | First set of numbers at the bottom left of a check | Second set of numbers, right after the routing number |
Quick Summary
- The routing number is like your bank’s address—it tells other institutions where to send the money.
- The account number is like your apartment number—it tells the bank exactly whose account to credit or debit.
Both are essential for setting up things like direct deposit, automatic bill pay, or transferring funds between accounts
Common Uses For Your Chase Routing Number
Your Chase routing number is a key piece of information used to direct money accurately between banks. Here are the most common ways it’s used:
1. Direct Deposit Setup
- Employers use your routing number to deposit your salary straight into your Chase account.
- Government benefits like Social Security also rely on it.
2. Paying Bills Automatically
- When setting up automatic payments for utilities, loans, or subscriptions, you’ll need your routing number to authorize withdrawals from your account.
3. ACH Transfers
- For bank-to-bank transfers within the U.S., the routing number ensures your money reaches the right institution.
- Used for recurring payments like mortgage or insurance.
4. Wire Transfers
- Chase uses a specific routing number for domestic wire transfers:
021000021. - For international wires, you’ll use the SWIFT code:
CHASUS33.
5. Tax Refunds and Payments
- When filing your taxes, you’ll enter your routing number to receive refunds or make payments directly from your Chase account.
6. Linking External Accounts
- If you’re connecting Chase to apps like PayPal, Venmo, or investment platforms, the routing number is required to verify and link your account.
How To Use A Chase Routing Number For Transactions
Using your Chase routing number for transactions is straightforward once you know what type of transaction you’re handling. Here’s a breakdown of how to use it effectively:
1. Direct DepositTo receive payments like your salary or government benefits:
- Provide your Chase routing number and account number to your employer or the paying agency.
- This ensures funds are deposited directly into your Chase account.
2. ACH Transfers (Automated Clearing House)For recurring payments like rent, utilities, or subscriptions:
- Enter your routing number and account number when setting up the payment.
- These transfers are typically free and take 1–3 business days.
3. Wire TransfersFor sending or receiving money quickly:
- Use Chase’s wire routing number:
021000021for domestic wires. - For international wires, you’ll also need Chase’s SWIFT code:
CHASUS33. - You can initiate wire transfers through Chase online banking or at a branch.
4. Tax Payments and RefundsWhen filing taxes:
- Provide your routing number and account number to the IRS or tax authority to receive refunds or make payments directly from your account.
5. Linking External AccountsTo connect Chase to apps like PayPal, Venmo, or investment platforms:
- Use your routing number and account number to verify and link your Chase account
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Chase Routing Number?
Your Chase routing number depends on the state where you opened your account and the type of transaction you’re making. Here’s a quick guide to help you out:
Most Common Chase Routing Numbers by Use
| Transaction Type | Routing Number |
|---|---|
| Domestic Wire Transfers | 021000021 |
| International Transfers | SWIFT Code: CHASUS33 |
| ACH Transfers & Direct Deposit | Varies by state |
Chase Routing Numbers By State
Here’s a full list of Chase Bank routing numbers by state . These are used for direct deposits, ACH transfers, and check processing.
If you’re sending a domestic wire transfer, use 021000021 regardless of your state. For international wire transfers, use the SWIFT code: CHASUS33.
Chase Routing Numbers by State
| State | Routing Number |
|---|---|
| Alabama | 065400137 |
| Arizona | 122100024 |
| Arkansas | 044000037 |
| California | 322271627 |
| Colorado | 102001017 |
| Connecticut | 021100361 |
| Delaware | 083000137 |
| Florida | 267084131 |
| Georgia | 061092387 |
| Idaho | 325070760 |
| Illinois | 071000013 |
| Indiana | 074000010 |
| Iowa | 075000019 |
| Kansas | 103000648 |
| Kentucky | 083000137 |
| Louisiana | 065400137 |
| Maine | 083000137 |
| Maryland | 044000037 |
| Massachusetts | 021000021 |
| Michigan | 072000326 |
| Minnesota | 075000019 |
| Mississippi | 044000037 |
| Missouri | 103000648 |
| Montana | 044000037 |
| Nebraska | 103000648 |
| Nevada | 322271627 |
| New Hampshire | 083000137 |
| New Jersey | 021202337 |
| New Mexico | 044000037 |
| New York (Downstate) | 021000021 |
| New York (Upstate) | 022300173 |
| North Carolina | 072000326 |
| North Dakota | 044000037 |
| Ohio | 044000037 |
| Oklahoma | 103000648 |
| Oregon | 325070760 |
| Pennsylvania | 083000137 |
| Rhode Island | 083000137 |
| South Carolina | 072000326 |
| South Dakota | 044000037 |
| Tennessee | 065400137 |
| Texas | 111000614 |
| Utah | 124001545 |
| Vermont | 083000137 |
| Virginia | 044000037 |
| Washington | 325070760 |
| Washington, D.C. | 044000037 |
| West Virginia | 051900366 |
| Wisconsin | 075000019 |
| Wyoming | 044000037 |
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