Chase Routing Numbers in the US (2025 Update & How to Find Them)
Did you know that Chase Routing Numbers in the US (2025 Update & How to Find Them) are essential for business owners, freelancers, and finance teams who want smooth transactions? Chase routing numbers identify where an account is located and the type of transaction being conducted—whether it’s an electronic payment, a direct deposit, or a wire transfer. If you’ve ever wondered how a single bank can have multiple nine-digit codes, you’re in the right place. And if you’re curious about how routing numbers compare at other major banks, you might find Wells Fargo Routing Numbers in the US (Complete List) equally helpful.
What Exactly Is a Chase Routing Number?
A routing number, sometimes called an ABA number or Routing Transit Number (RTN), is a nine-digit code that identifies a financial institution in the United States. Chase Bank, formally known as JPMorgan Chase & Co., uses different routing numbers depending on the state where the account was opened and the nature of the transaction (e.g., ACH vs. wire transfers). Each series of digits pinpoints the Federal Reserve district, the specific bank, and a “check digit” used to minimize errors.
Why Do Different States Have Different Codes?
Chase has undergone multiple mergers and acquisitions over the years—most notably with Bank One in 2004—which led to varied routing numbers across regions. As a result, if you open a Chase account in California, your routing number will differ from someone who opened their account in New York. This variability lets Chase handle local transactions quickly while keeping an eye on security.
Quick Fact: Chase handles a high volume of transactions—around 69 million each day, according to industry insights from 2021—so using the correct routing number is a crucial step to avoid misrouting funds.
How to Find Your Chase Routing Number
Chase makes it relatively straightforward to locate your routing number. Here are the most common methods:
Check the Bottom-Left Corner of a Paper Check
Traditional checks display the routing number in the lower-left corner. If you still keep a checkbook handy, this is often the fastest way to find it.Log In to Your Chase Online Banking
Once you’re signed in, select your account and look for “See full account number” or “Show details.” You’ll find both your account number and routing number listed here.Use the Chase Mobile App
Tap on your account tile, then select something like “Account Info” or “Show details.” The number you need will appear without further digging.
Call Chase Customer Service
Dial 800-935-9935 to ask a representative for the routing number. This can be especially useful if you’re opening a new account or verifying details.Refer to a State-Based Chart
Chase publishes routing numbers based on the state where you opened your account. If you’re in Florida, your routing number will differ from someone in Illinois. For additional examples on state-specific codes, you might check out Bank of America Routing Numbers in the US (Complete Edition) to see how another bank handles its routing codes.
Commonly Seen Chase Routing Numbers
California (and Nevada): 322271627
Arizona: 122100024
Florida: 267084131
Illinois: 071000013
New York (Downstate): 021000021
New York (Upstate): 022300173
Keep in mind these might change over time. Always verify through official Chase sources or directly with a branch.
Chase Routing Numbers for Different Transaction Types
One aspect that confuses many account holders is the distinction between numbers for ACH transactions and wire transfers. Here’s what you need to know.
ACH (Automated Clearing House) Routing Numbers
ACH transactions—like direct deposits, bill payments, or person-to-person transfers—use a routing number specific to the state in which you opened your account. These can differ widely. For example:
California: 322271627
Texas: 111000614
Wire Transfer Routing Number
If you’re performing a domestic or international wire transfer into a Chase account in the United States, you’ll almost always use 021000021. This is unique to Chase for wiring funds, making it simpler than state-based references.
Note: International transactions also require a SWIFT code, which for Chase is CHASUS33.
Setting Up Direct Deposits or Automatic Payments
Many employers request a routing number for direct deposit. In these setups, you’ll typically need three pieces of information:
Your full name (as it appears on the account)
Your Chase account number
The correct routing number for your state (or the wire transfer routing number if specifically requested)
Why It Matters: Using the wrong routing number can lead to delay or rejection of your deposit. And since direct deposits may include paychecks or government benefits, be sure to confirm your details to avoid any hiccups.
How Chase Routing Numbers Compare to Other Banks
Chase is not alone in using varied routing numbers. Major institutions like Wells Fargo, Bank of America, Truist, and BMO Harris also have state-specific codes. If you’re interested in learning about other routing systems, see how BMO Harris Routing Numbers in the US (Update & How to Use Them) differ. Each bank’s approach reflects how it expanded regionally over the years.
Keeping Track of Multiple Accounts
If you have accounts at multiple banks—for example, you have a personal account at Chase and a business account at another institution—take note of each routing number. Writing down or saving these codes in a secure but easily accessible place ensures that you won’t mix them up. Some people keep them in a password manager or a secure digital vault.
Avoiding Fees and More Efficient Alternatives
Routing numbers are a core part of traditional banking. However, for individuals or businesses dealing with frequent cross-border payments, exchanging currencies through multiple banks can rack up expenses. If you’re working with international suppliers or employees, you could face wire fees, varying exchange rates, and potential delays.
Side note: If you often convert currencies and want to avoid paying large fees, you might explore practical suggestions in 7 Ways to Exchange Currency Without Paying Large Fees.
How Mural Pay Fits In
For businesses that process international transactions or handle larger volumes, Mural Pay offers specialized features. While Chase routing numbers are reliable for domestic and some international flows, Mural Pay can support:
Fast multi-currency settlements without complicated steps
Cross-border instant payments and stablecoin on/off-ramps where applicable
Automated batch payments that cut down on repetitive data entry per recipient
By combining a traditional bank account (like Chase) with additional solutions such as Mural Pay, you can streamline your most valuable processes—particularly when paying global contractors or vendors.
Common Mistakes to Avoid
Using the Wire Routing Number for ACH
While 021000021 is perfect for wiring funds to a Chase account, it won’t always work for ACH payments or direct deposits. Double-check you’re using the state-based code if your transaction is an ACH.Forgetting to Update Your Employer
If you move to a different state and switch to a new Chase account opened there, confirm your employer has the correct routing information.Typos and Misinformation
Even a single-digit mistake can bounce your funds back to the sender. Always confirm the digits carefully.
Relying on Outdated Records
Although rare, banks can change these codes over time. That’s why verifying them through official channels—online or over the phone—is wise.
Practical Tips for Business Owners & Freelancers
Set Up Payment Templates:
Within Chase’s online banking, you can store payee information and routing details. This reduces the chance of repeating errors every time you pay a contractor or vendor.Leverage Automated Tools:
For even more efficiency, consider a platform that automates currency conversion if you regularly pay overseas clients. This can cut down on manual entry and confusion with multiple routing codes.Plan for Growth:
If you’re anticipating opening new branches or relocating your business to another state, keep in mind that you may need a new routing number. This is particularly crucial if you’re reordering checks or setting up payroll at a new location.
Bottom Line
Chase routing numbers play a foundational role in domestic banking—whether you’re setting up direct deposits or wiring funds. Identifying the correct code for your specific state and transaction type saves you time, money, and potential frustration. For everyday use, a well-organized note or a secure digital list of these codes can be a real lifesaver.
That said, routing numbers aren’t the entire story—especially for businesses managing complex cross-border transactions or multi-currency payments. If you’re looking to broaden your approach, you may want to explore What Is a Multi-Currency Account? Everything You Should Know. It’s a great next step for those seeking more flexible ways to handle funds beyond traditional bank structures.
References
GOBankingRates. (2022). “Chase Routing Number: Where To Find It.” Available at: [https://www.gobankingrates.com/banking/banks/chase-routing-number](Non-Clickable Text).
Wise. (2023). “Chase Routing Numbers in the US.” Available at: [https://wise.com/us/routing-number/bank/chase](Non-Clickable Text).
JPMorgan Chase. (2021). “Annual Investor Presentation.” Available at: [https://www.jpmorganchase.com/ir](Non-Clickable Text).
