Chase bank account numbers have 10 digits
Your Chase checking or savings account number is always 10 digits long. You'll find it on the bottom left of your checks, in your online banking portal, or by calling Chase customer service at 1-800-935-9935.
The 10-digit number is unique to your account and stays the same for as long as you hold that account. If you close the account and open a new one, you'll receive a different 10-digit number.
When you need to provide your account number to set up direct deposit, arrange a wire transfer, or authorize a payment, always use all 10 digits. Some forms or systems may ask you to enter leading zeros if your account number starts with one—enter them as they appear.
Key Takeaways
- Chase account numbers are always 10 digits, whether you have a checking account, savings account, or money market account.
- You can find your account number on the bottom left of your checks, in the Chase mobile app, or on your account statements.
- Your account number is different from your routing number; Chase's routing number is 9 digits and identifies the bank branch, not your specific account.
- When providing your account number for direct deposit or payments, use all 10 digits exactly as they appear, including any leading zeros.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check from your Chase account. Look at the bottom of the check: the first set of numbers on the left is your routing number (9 digits), and the second set is your account number (10 digits).
If you don't have checks handy, log into your Chase online banking account or open the Chase mobile app. Your account number appears on the account summary page, usually near the account name and balance. You can also call Chase at 1-800-935-9935 and speak with a representative who will verify your identity and provide the number.
Paper statements also display your account number at the top or in the account details section, though Chase has moved most customers to online statements by default.
Account number versus routing number
Many people confuse the account number with the routing number, but they serve different purposes. Your routing number is 9 digits and identifies which Chase branch or processing center handles your account. Your account number is 10 digits and identifies your specific account within that branch.
When you set up direct deposit with an employer, you typically need both numbers. The routing number tells the employer's payroll system which bank to send the money to; the account number tells Chase which account within the bank should receive it. If you provide only one, the deposit will not go through.
Chase's primary routing number for most accounts is 021000021, though some accounts may have a different routing number depending on the state where you opened the account or the type of account you hold.
Using your account number for transfers and payments
When you authorize an ACH transfer, set up bill pay, or arrange a wire transfer from your Chase account, you'll need to provide your 10-digit account number. Enter it exactly as it appears—if it starts with a zero, include that zero.
For external transfers to another bank, you'll typically need both your routing number and account number. For payments within Chase (moving money between your own Chase accounts), you may only need the account number, though the system usually asks for both to confirm the destination.
If you're receiving money from someone else—such as a refund or reimbursement—and they ask for your account number, provide only the 10-digit number. Never share your full account number with someone you don't trust, and never provide it via email or text unless you initiated the contact with a known, legitimate business.
What happens if you enter the wrong number of digits
If you enter fewer than 10 digits or more than 10 digits, the transaction will typically be rejected before it processes. Most banking systems validate the length of the account number and will return an error message asking you to re-enter it.
If a transaction does go through with an incorrect account number, it usually ends up in a suspense account or gets returned to the sender within one to three business days. The sending bank will then attempt to contact the recipient or return the funds to the originating account.
To avoid this, double-check your account number before confirming any transfer or payment. Copy and paste it directly from your statement or banking portal rather than typing it from memory.
Account numbers for different Chase account types
Whether you have a Chase Total Checking account, Chase Sapphire Checking, Chase Premier Plus Checking, or any Chase savings account, the account number format remains the same: 10 digits. The account type does not change the length or structure of the number.
If you hold multiple accounts with Chase—for example, a checking account and a savings account—each account has its own unique 10-digit number. You can manage all of them through a single online login, but they are tracked separately by their individual account numbers.
Frequently Asked Questions
Is my Chase account number the same as my card number?
No. Your debit card or credit card number is different from your bank account number. The card number is printed on the front of your card and is used for purchases and ATM withdrawals. Your account number is used for transfers, direct deposit, and bill payments. You can have the same account but different card numbers if you request a replacement card.
Can I change my Chase account number?
No, you cannot change your account number while keeping the same account open. If you need a different account number, you would have to close the current account and open a new one, which will be assigned a new 10-digit number. This is not recommended unless necessary, as it requires updating direct deposit, automatic payments, and other services linked to the old number.
What if I only have 9 digits for my Chase account number?
If you see only 9 digits, you may be looking at your routing number instead. Check the order on your check: routing number comes first (9 digits), then account number (10 digits). If you're still unsure, contact Chase customer service or log into your online account to confirm the correct 10-digit number.
Do I need my account number to use Chase mobile check deposit?
No. Mobile check deposit uses your login credentials and does not require you to enter your account number manually. The app knows which account you're depositing into based on which account you're logged into. You only need your account number when sending money to someone else or receiving money from an external source.