Chase Routing Number: Find the Right Number for ACH, Direct Deposit & Wires

Need the number now? Start with the transaction, not the state.

If you need a Chase routing number, there is not one number for every job. For ACH or direct deposit, the safest answer is the routing number shown for your account after you sign in to Chase. For an incoming domestic wire, Chase’s current wire instructions say to give the sender your account number plus 021000021. For an incoming international wire to a U.S. Chase account, Chase says to give the sender your account number plus the SWIFT/BIC code CHASUS33.

That distinction is the part worth slowing down for. The routing number printed on your check can be perfectly valid for ACH and still be the wrong instruction for a wire. Choose the transaction first, then verify the details before money moves.

I built the lookup below for the common ACH/state and wire questions. Use it as the fast path, then use the verification step it gives you for the transaction you are actually making.

Which Chase Routing Number Do You Need?

The easiest way to avoid a routing-number mistake is to answer one question first: What kind of transaction is this?

Those wire instructions are for receiving money into a Chase account. If you are sending a wire from Chase, follow the recipient bank’s wire instructions inside Chase rather than copying a number from this page.

How to Find Your Chase Routing Number in the App, Online, or on a Check

If the transaction uses ACH, you do not have to remember which state or region applies to an old account. Chase gives you the account-specific number directly.

1. Chase Mobile app: Sign in, tap the account tile, then tap Show details. Chase displays the account and routing information there.
2. Chase.com: Sign in, click the account name, then choose Account & routing number.
3. Paper check: The routing number is the first nine-digit number at the bottom left. The account number appears to its right. If the line of numbers looks like alphabet soup, my guide to read routing and account numbers breaks it down.

For a critical payment, I would trust the number tied to the signed-in account over a copied list. Routing data changes, banks merge systems, and the American Bankers Association specifically warns that nonofficial lookup data can become inaccurate or outdated.

What Is a Chase Routing Number?

A routing number, also called an ABA routing number or routing transit number, is a nine-digit identifier used in the U.S. payment system. Think of it as part of the address that tells a payment where to go. Your account number identifies the specific account once the payment reaches the financial institution.

That is why “routing number” and “account number” are not interchangeable, and why a valid routing number can still be the wrong one for the transaction you are making.

The Nine-Digit Breakdown: What Actually Matters

You do not need to memorize how each digit is assigned. The practical rule is simpler: a U.S. ABA routing number has nine digits, the account number is a separate identifier, and the payment network matters. A number that works for ACH is not automatically the right wire instruction.

Chase ACH Routing Numbers by State

The table below is a reference for common Chase ACH routing numbers by state or region. It is useful when you are comparing an old check, setting up direct deposit, or trying to understand why two Chase customers may see different routing numbers. It is not a substitute for the routing number shown in your signed-in Chase account.

For the state list, I cross-checked the Chase reference published by Bankrate and a current Ria state directory. They do not fully agree on every legacy/regional entry. That is exactly why this table is an orientation layer, not the final authority for your account. Alaska and Hawaii are not listed in those state references, so I am not filling those blanks with a guess. Use the routing number displayed by Chase for your account.

Why Are There Different Chase Routing Numbers?

Because ACH and wire transfers travel through different payment systems and can require different routing instructions. Same bank. Different lane.

ACH Routing Numbers: Direct Deposit, Bill Pay and Bank Transfers

ACH routing numbers are commonly used for direct deposit, electronic bill payments and bank-to-bank ACH transfers. Large banks can have more than one ACH routing number, often tied to the account’s original state or region. If you moved, do not assume the routing number for a nearby Chase branch is now your account’s number. Check the account itself.

This is one place where the old “what state did I open the account in?” shortcut can be useful as a clue, but I would not make it the final verification step. Chase can simply show you the number tied to the account.

Wire Transfer Routing Numbers: Domestic vs. International

For an incoming domestic wire, Chase says to give the sender your Chase account number and routing number 021000021. That is a wire instruction, not a universal replacement for the ACH routing number shown on your check or account.

For an incoming international wire to a U.S. Chase account, Chase says to give the sender your account number and SWIFT/BIC code CHASUS33. The sender’s bank may ask for other beneficiary information, so follow the receiving instructions rather than improvising from an ACH table.

The mental model I use is ordinary mail versus a courier. Both can deliver money, but they do not necessarily use the same routing instructions. The mistake is seeing a valid nine-digit Chase number and assuming it works in every lane.

Troubleshooting: What If You Used the Wrong Chase Routing Number?

Here is the moment that causes the real panic: you hit send on a wire and then notice you used the routing number from your check instead of Chase’s wire instructions. Do not assume you know what happens next. A routing number can be valid and still be wrong for that transaction, and the outcome can depend on how the sending and receiving institutions process it.

1. If the transfer has not been released, stop and correct the instructions first. Confirm whether the transaction is ACH, domestic wire or international wire.
2. If it has already been sent, check the actual transaction status. Do not rely on the fact that the routing number itself looks valid.
3. Contact the sending bank or service promptly. Ask whether the payment is pending, completed, rejected or eligible for recall/correction. If Chase is receiving the money, contact Chase as well.
4. Do not automatically send a second transfer. First establish what happened to the original so a routing-number mistake does not turn into a duplicate-payment problem.
5. Keep the confirmation details. Save the transfer reference, amount, date and the instructions each institution gives you until the payment is resolved.

If Chase is the sending bank, check Wire activity immediately. Chase says same-day domestic wires cannot be canceled; future-dated domestic wires can be canceled through 11:59 p.m. ET the day before the send date, and a personal international wire may have a 30-minute cancellation window if a Cancel option is still available. If you do not see a cancel option, contact Chase promptly.

For wires in particular, verify the recipient and instructions before sending. A routing correction is much easier before money leaves than after you are trying to trace or recall it.

Want more money explanations that start with the decision instead of the jargon? That is exactly what I send in Financial Clarity — practical financial education, the tradeoffs that matter, and what I would check before acting.

Common Chase Routing Number Mistakes

• Using an ACH number for a wire. The number on your check may be correct for ACH and still be wrong for an incoming domestic wire.
• Dropping a leading zero. Chase’s domestic incoming-wire routing number is 021000021 — nine digits. Dropping the leading zero turns it into an invalid eight-digit value.
• Confusing the routing number with the account number. They identify different things and both may be required.
• Using where you live now as the shortcut. An older account can retain routing information associated with another state or region. Check the signed-in account.
• Trusting a copied list without verification. Routing data changes. Use a table to orient yourself, then confirm the account-specific number with Chase.
• Treating SWIFT and ABA routing numbers as interchangeable. For an incoming international wire, Chase’s published instruction uses your account number plus CHASUS33.

Key Takeaways: Your Chase Routing Number Cheat Sheet

• ACH/direct deposit: use the routing number shown for your Chase account.
• Incoming domestic wire: Chase publishes 021000021 plus your account number.
• Incoming international wire: Chase publishes your account number plus SWIFT/BIC CHASUS33.
• Paper check: the routing number is the first nine digits at bottom left.
• State table: useful as a reference, not as the final authority for your specific account.
• If the wrong number may already have been used: check the transaction status and contact the institutions before sending a duplicate.

Chase Routing Number FAQs

Is the Chase routing number the same for everyone?

No. Chase can use different ACH routing numbers by state or region, while its published incoming domestic-wire routing number is 021000021. For ACH, use the number Chase shows for your specific account.

What is the Chase routing number for direct deposit?

Use the ACH routing number shown in your signed-in Chase account. In the Chase Mobile app, tap the account tile and then Show details.

What is the Chase routing number for an incoming domestic wire?

Chase says to give the sender your account number and routing number 021000021 for an incoming domestic wire.

What is the Chase SWIFT code for an incoming international wire?

For an incoming international wire to a U.S. Chase account, Chase says to give the sender your account number and SWIFT/BIC code CHASUS33.

Does my Chase routing number change when I move?

Do not assume that moving changes the routing number attached to an existing account. Check the routing number in your signed-in Chase account rather than choosing a number from your current location.

Where is the routing number on a Chase check?

It is the first nine-digit number at the bottom left of the check. The account number appears to its right.

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

Do not assume so. Chase publishes 021000021 for incoming domestic wires, while ACH/direct-deposit routing numbers can differ. Match the routing instructions to the transaction.

How can I validate a routing number?

First compare it with the number in your signed-in Chase account or official wire instructions. The American Bankers Association also provides an official routing-number lookup for individual validation.

Beyond Routing Numbers: What to Do Next

Once you have the right routing instructions, the next question is usually about timing, check details or what to do inside the Chase app. These are the three places I would go next: