Updated January 6, 2020

How to Find Your Chase Routing Number

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What is Chase Bank's routing number? It depends on the state. Find the right one for your Chase account with our guide.

Chase has branches throughout the United States and uses different routing numbers for different regions. You'll also need a different routing number for some types of transactions.

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:

StateRouting Number
New Jersey021202337
New York—Downstate021000021
New York—Upstate022300173
West Virginia051900366

Easy Ways to Find Your Routing Number

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

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

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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.

Which Chase Routing Number Should You Use?

You need your routing number for many common banking activities, including:

  • Making ACH payments
  • Setting up direct deposit
  • Receiving benefits from the government, including tax refunds
  • Transferring money between accounts at different banks or investment firms
  • Setting up automatic bill payments
  • Sending and receiving domestic wire transfers

Different types of transactions require different routing numbers. You'll need to know the correct routing number for your task.

  • For Any Domestic Money Transfer Activity
    Use the routing number for the state where you opened your Chase account.

  • For Any Domestic Wire Transfers
    Use the JP Morgan Chase wire transfer routing number 021000021.

  • For International Wire Transfers
    Use Chase SWIFT code CHASUS33.

Keep reading to learn more about Chase wire transfers.

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

Wire transfers are a faster way to send money than an ACH transfer. But Chase uses different routing numbers for wire transfers.

  • Receiving 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.

  • Sending wires
    In order to send wires, you can do it from your Chase web account or visit a branch. You'll need to provide:

To send a wire, you'll also need:
  • 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

Chase Wire Transfer Fees

Incoming (Domestic)$15.00
Outgoing (Domestic) done online$25.00
Outgoing (Domestic) done at a Chase branch$30.00
Incoming (International)$15.00
Outgoing (International) done online$40.00
Outgoing (International) done at a Chase branch$45.00

Before submitting a wire transfer for processing, double-check that you have all the necessary information entered correctly.

To Make an International Transfer
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.

You'll also need the following information:

  • The name of your recipient
  • The name, address, and phone number of the receiving bank
  • The recipient's account number
  • The SWIFT Code of your bank and the bank you are sending to
  • Currency being sent

If you use Chase's foreign exchange rate service for a foreign currency wire transfer, wires $5,000 or more are free (you'll only pay $5 for wires less than $5,000).

However, the foreign exchange rates Chase charge include a spread, commission, and vary depending on your customer relationship. It may not be the best rate available. In other words, Chase's exchange rate service might end up costing you more than paying the wire transfer fee.

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.

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.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

More from CreditDonkey:

What is a Routing Number

How to Transfer Money from One Bank to Another

Chase Bank Review


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