How to find your routing number without a check Chase

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Account and routing numbers

It’s easy to find your account and routing numbers when you’re on the go. Here’s how:
 

1. 
   After signing in, tap the tile for the account you want
2. 
   Tap "Show details"
3. 
   The dropdown will open to show your account and routing numbers

Looking at a paper check?

Here’s where to find your numbers:

• The 9-digit number on the bottom left is your routing number
• After the routing number is your account number on the bottom center
• Following the account number is the check number at the the bottom right

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What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

List of Chase Routing Numbers by State

Your Chase routing number is associated with the location of the bank where you opened your account.

Even if you moved or mostly visit another Chase branch, what matters is the bank where you originally opened your account.

Here are the Chase routing numbers by state:

Easy Ways to Find Your Routing Number

Chase has branches throughout the United States and uses different routing numbers for different regions. You'll also need a different routing number for ACH and wire transfers.

© CreditDonkey

Can't remember where you opened your account? Here are easy ways to find your Chase routing number:[1]

Use a Check
Your routing number is the first 9 digits located in the lower left-hand corner of every check.

© CreditDonkey

The first set of numbers is your routing number, and the next set (on the right) is your specific checking account number. In between is a symbol (that looks like a vertical dash with a colon).

Go Online
Log into your account and click the last four digits of your account number. Your routing number will appear above your account information. You can also use search at the top of the screen "routing number" to find the correct routing number for your account.

Use the App
Access your account through Chase's mobile app. Press Show details under Account Details to view your routing (and account) number.

Call Customer Service
As a last resort, if you don't have online checking or a check handy, call Chase customer support at 800-935-9935. After you verify a few details to identify yourself, a representative will be able to confirm your account's routing number over the phone.

Chase savings accounts use the same routing numbers as checking accounts.

Chase Routing Numbers for ACH Transfers

You will need your routing number for any ACH transfers. This is an electronic transfer of money between financial institutions. You use ACH transfers for many common banking activities, such as:

• Receiving direct deposit
  
• Setting up automatic bill payments
  
• Transferring money between accounts at different banks
  
• Transferring money to/from investment firms
  
• Receiving benefits from the government, including tax refunds

For ACH transfers, use the routing number for the state where you opened your Chase account (the one that's on your check).

If you're planning on withdrawing money from your savings account, make sure you don't go under the required Chase Savings account minimum balance. And remember that savings accounts have a federal limit of 6 withdrawals per month.

Chase Routing Numbers for Wire Transfers

For wire transfers, Chase uses different routing numbers.

• Domestic wires
  If you plan to receive money by wire, you will need to provide your bank account information to the person sending. The Chase routing number for wires is 021000021.

  NOTE: This is a different routing number than the one at the bottom of your checks. You can also search for routing information on the Federal Reserve routing directory.

• International wires
  Use the Chase SWIFT code CHASUS33.

SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are the international equivalents of the US routing numbers. They direct the money to the correct bank for international transfers.

If you are sending a wire, you can do it from your Chase web account or visit a branch. You'll need to also provide:

• The name of your recipient
  
• The name, address, and phone number of the receiving bank
  
• The recipient's bank routing number and checking account number
  
• The recipient bank's SWIFT code (for international transfers)

PRO TIP: When you send or receive money using your bank, you might lose out on a bad exchange rate and pay hidden fees as a result. That's because most banks still use an old system to exchange money. Consider using Wise, which is usually much cheaper.

What is a Bank Routing Number Exactly?

Also called routing transit number (RTN) or American Bankers Association (ABA) number, this 9 digit number is essentially an ID for the financial institution assigned by the ABA.

When you deposit a check or send money to other bank accounts, the routing number will tell the bank where this is to be processed. Large banks, like Chase, will have multiple routing numbers serving each region and/or task.

Breaking Down Your Routing Number
The first four numbers pertain to the Federal Reserve. The next four numbers are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.

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Is there a routing number on your debit or credit card?

Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Bottom Line

You'll likely need your Chase routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.

References

1. ^ Chase. Find your routing and account number, Retrieved 9/14/2022

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