Chase account numbers are 10 digits long
A Chase checking or savings account number is always 10 digits. When you look at a check, your account statement, or your online banking portal, the account number will be a 10-digit string of numbers with no letters or special characters.
This 10-digit number is unique to your account at Chase. It appears on every check you write, on deposit slips, and in your online banking profile. The routing number — which tells the banking system which Chase branch or processing center to send money to — is separate and different from your account number.
You may see your account number formatted different ways depending on where you look. On a check, it might appear as 1234567890. In your Chase mobile app or online banking, it might show as ****7890 for security, displaying only the last four digits. But the full account number itself is always 10 digits.
Key Takeaways
- Chase account numbers are exactly 10 digits, with no letters or symbols.
- Your account number is unique to your account and appears on checks, statements, and in online banking.
- The routing number (9 digits) is separate from your account number and identifies your Chase location.
- When you set up direct deposit or wire transfers, you will need both your 10-digit account number and your routing number.
- Chase may display only the last four digits of your account number on receipts and statements for security.
Where to find your 10-digit account number
The easiest place to find your full account number is on a check from your checkbook. Look at the bottom left of the check. You will see three sets of numbers: the routing number (9 digits on the left), your account number (10 digits in the middle), and the check number (on the right). The middle set is your account number.
You can also find your account number in Chase online banking or the Chase mobile app. Log in, select your account, and look for account details or account information. The app will usually show the last four digits by default, but you can tap to reveal the full 10-digit number.
Your account statement — whether you receive it by mail or view it online — also displays your account number at the top or in the account summary section. If you have a savings account, money market account, or other Chase product, each one has its own separate 10-digit account number.
Why you need both your account number and routing number
When you set up direct deposit for your paycheck, transfer money between banks, or receive a wire transfer, you will need to provide both numbers. Your routing number (9 digits) tells the banking system which Chase location or processing center handles your account. Your account number (10 digits) tells it which specific account within that location receives the money.
Without both numbers, the transfer cannot be completed. If you give only your account number, the bank will not know which Chase branch to route the money to. If you give only the routing number, the bank will not know which account to deposit into.
Chase's routing number varies by state and by the type of account you have. You can find your specific routing number in online banking, on a check, or by calling Chase customer service. The account number, however, is always the same 10 digits regardless of where you are or how you access your account.
Security and account number protection
Your 10-digit account number is sensitive information. Anyone with your account number and routing number can set up transfers out of your account or attempt unauthorized transactions. For this reason, Chase and other banks limit how much of your account number they display in public places.
On receipts from ATMs or point-of-sale terminals, you will usually see only the last four digits. In your online banking portal, the full number may be hidden by default and shown only when you click to reveal it. On statements sent by mail, your full account number is printed because the mail is going to your address on file.
Never share your full account number with someone you do not trust, and be cautious when providing it over the phone or email. If you suspect someone has your account number, contact Chase immediately. You can also request a new account number, though this will require updating any automatic payments or direct deposits linked to the old number.
Account numbers for different Chase products
If you have multiple accounts at Chase — a checking account, a savings account, and a money market account, for example — each one has its own separate 10-digit account number. The routing number may be the same across all your accounts, but the account number is unique to each product.
When you set up a transfer between your own Chase accounts, you will need to use the correct account number for the account you want to transfer to. If you accidentally use the wrong account number, the money will go to the wrong account, and you will need to contact Chase to reverse the transaction.
Business accounts at Chase also use 10-digit account numbers. The format and length are the same as personal accounts, though the routing number may differ depending on which Chase business banking center processes your account.
What happens if you enter the wrong account number
If you provide an incorrect 10-digit account number when setting up a transfer or direct deposit, the transaction may fail before it is processed. Many banks, including Chase, validate account numbers before accepting a transfer request. If the number does not match an active account, the system will reject it and ask you to re-enter the correct number.
If an incorrect account number somehow makes it through and money is sent to the wrong account, recovery can be slow. You will need to contact Chase and provide proof of the error. Chase will then attempt to contact the other account holder and ask them to return the funds. This process can take several days or weeks.
To avoid this problem, always double-check your account number before confirming a transfer. Copy it directly from a check or your online banking portal rather than typing it from memory. If you are unsure, call Chase customer service to verify the account number before you submit the transaction.
Frequently Asked Questions
Can I change my Chase account number?
Yes, you can request a new account number from Chase, though it is not automatic. You will need to contact Chase directly and explain why you want a new number. Common reasons include suspected fraud or unauthorized access. Keep in mind that changing your account number will require you to update any automatic payments, direct deposits, or recurring transfers linked to the old number.
Is my 10-digit account number the same at every Chase branch?
Yes. Your account number stays the same whether you visit a Chase branch in New York or California. The account number is tied to your account, not to a physical location. The routing number may vary by state or by which Chase processing center handles your account, but your account number never changes based on location.
What is the difference between my account number and my card number?
Your 10-digit account number is for bank transfers, direct deposits, and wire transfers. Your debit or credit card number is a separate 16-digit number printed on your card. They are not the same, and you should never use your card number when setting up a bank transfer or direct deposit.
Do I need my account number to use my debit card?
No. Your debit card works with your 16-digit card number, expiration date, and CVV. You do not need to provide your 10-digit account number to make a purchase or withdraw cash at an ATM. You only need your account number for bank-to-bank transfers, direct deposit setup, or wire transfers.
What if I only have the last four digits of my account number?
If you only have the last four digits, you will need to retrieve your full 10-digit account number before you can set up a transfer or direct deposit. Log into your Chase online banking, check a recent statement or check, or call Chase customer service. They can verify your identity and provide your complete account number.