It’s helpful to know how to find your checking account routing number. You may need it for several reasons, including signing up for direct deposit, transferring funds to an account at another bank or linking your checking account to a payment app. If you’re a Chase customer or are transferring money to a Chase account, refer to the following chart for a list of every Chase routing number.
Chase Routing Numbers by State
|State||Chase Routing Number|
|District of Colombia||044000037|
|New York — Downstate||021000021|
|New York — Upstate||022300173|
Use the table above to find your state and ABA routing number for Chase. Make sure the routing number matches your checks and account.
What Is a Routing Number?
A routing number, also known as an American Bankers Association or ABA number, comprises nine digits telling financial institutions where transactions need to be processed. Suppose you deposit a check at an ATM. The routing number lets the bank identify the financial institution from which the check was drawn.
Many banks have only one routing number, but because Chase is so big, it has multiple routing numbers across the U.S. If you’re a Chase customer, your routing number depends on where you opened your account. For instance, if your Chase routing number is 021000021, you opened your account in Massachusetts or downstate New York. However, if you opened your account in upstate New York or any other state, you have a different routing number. So, as a Chase customer, it’s essential always to verify you’re using the correct routing number.
Understanding Your Chase Routing Number
The first four numbers of the routing number are Federal Reserve Bank identifiers. The next four numbers in the sequence identify your bank. These numbers are assigned, just like your checking account number. The last digit in a routing number is the check digit, which is calculated from an algorithm and validates the eight-digit bank routing number’s authenticity.
For example, the routing number 322271627 is for Chase accounts opened in California. The second set of four digits in the routing number — 7162 — identifies the bank.
How Do I Find My Routing Number for Chase?
There are a few different ways to find a Chase routing number:
- Locate your routing number on a check if you have a Chase checking account — the check routing number is the first nine numbers in the lower left corner.
- Sign in to the Chase Mobile® app, tap your account tile, and tap “Show details.”
- Sign in to your Chase account online, click the last four digits of your displayed account number and then click “See full account number.“
- Call Chase at 800-935-9935.
- Use the chart mentioned earlier if you know the state where you opened your account.
If you are at all confused about which number to use, you should consider calling Chase. Using the right number could mean the difference between your money going into the right or wrong account.
When You Might Need To Provide Your Routing Number
Several types of financial transactions might require you to supply your routing number, including:
- Making a payment by phone or online through a biller’s website
- Setting up automatic bill payments with a biller
- Setting up direct deposit
- Linking your checking account to a payment app such as Venmo, Cash App or PayPal
- Setting up transfers between your accounts at different banks
- Making wire transfers
What Is the Routing Number for International Wire Transfers?
To complete an international wire transfer, you’ll use a SWIFT code instead of a routing number. The SWIFT code is an international bank code that identifies financial institutions worldwide. You’ll need to give this code to anyone who wants to send money to you from overseas or get the code for a recipient’s bank if you’re the sender.
In addition to using the SWIFT code, you must supply specific information to your bank whenever someone is wiring money to you from another country. This information includes your account number, shown in the following example, and your name as it appears on the account.
When you’re transferring money to someone internationally, the recipient will also need to know their bank routing number to receive the money. If you’re making or receiving a domestic wire transfer, there’s a specific transfer number for that as well.
Here are Chase’s wire transfer numbers and SWIFT code.
|Domestic Wire Transfer||021000021|
|International Wire Transfer||021000021|
You may notice the wire transfer numbers have nine digits like a routing number and may be wondering if the Chase routing number is the same as the wire routing number. The routing number is the same as the wire transfer number for Massachusetts and downstate New York customers. However, these numbers are different for other Chase customers.
No one wants their money to end up in the wrong account or to get delayed when a payment due date is looming. Account numbers and routing numbers are required to complete banking transactions expediently and accurately. Anytime you need to supply your Chase routing number and account number to set up a transaction, verify you’re using the correct numbers and that you’ve entered them correctly. Even though routing numbers are public information, you should only give your account and routing number to trusted parties.
Information is accurate as of Sept. 25, 2023.
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- Bank of America. "Direct Deposits: How to Set One Up and How Does It Work."
- Bank of America. "How to Transfer Money Online to Friends and Family."
- Venmo. 2023. "Adding a Bank Account."
- Cash App. "Can't link bank account to Cash App."
- Western Union. "SWIFT / BIC Codes for Bank Transfers."
- Swift. "Business Identifier Code (BIC)."