Chase account numbers have 10 digits
A 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. It's different from your routing number (which identifies Chase itself) and your card number (which is on your debit or credit card). All three are separate identifiers that work together when you move money.
When you give someone your account number for a wire transfer, direct deposit, or ACH payment, you're giving them only those 10 digits—not your routing number, not your card number, just the account number itself.
Key Takeaways
- Chase account numbers are always 10 digits, whether you have a checking account, savings account, or money market account.
- Your account number appears on the bottom left of your checks, after the routing number and before the check number.
- You need both your routing number (9 digits) and account number (10 digits) to set up direct deposit or receive a wire transfer.
- Never share your full account number with someone you don't trust, even though the number alone cannot be used to withdraw money without additional verification.
Where to find your 10-digit account number
The easiest place to locate your account number is on a check. Look at the bottom of the check: you'll see three sets of numbers. The first set (9 digits) is your routing number. The second set (10 digits) is your account number. The third set is the check number itself.
If you don't have checks handy, log into Chase.com or the Chase mobile app. Your account number appears in the account details section, usually labeled "Account Number" or "Account Information." You can also call Chase at 1-800-935-9935 and a representative will read it to you after verifying your identity.
Some Chase statements also print your account number at the top, though not all do. If you're looking at an older statement and can't find it, the check method or online portal is more reliable.
Why you need both routing and account numbers
Your routing number and account number serve different purposes. The routing number (9 digits for Chase) tells the banking system which bank to send money to. The account number (10 digits) tells that bank which specific account within Chase should receive the money.
When you set up direct deposit for your paycheck, your employer needs both numbers. When you receive a wire transfer, the sender's bank needs both. If you give only the account number without the routing number, the transfer will fail because the system won't know which bank to route the money to.
Chase's routing number varies slightly by region and account type, but your account number stays the same no matter where you are or which Chase branch you use. That's why it's your permanent identifier within the Chase system.
What happens if someone has your account number
Having only your 10-digit account number is not enough for someone to withdraw money from your account. They would also need your routing number, and even then, most transactions require additional verification—a password, a security code, or authorization from you.
That said, you should still treat your account number as sensitive information. Don't post it on social media or give it to someone you don't know. If you're paying a bill or setting up a transfer, verify that you're dealing with the real company or person before sharing it.
If you believe your account number has been compromised or used fraudulently, contact Chase immediately at 1-800-935-9935. Chase can freeze your account, issue you a new account number, and investigate any unauthorized transactions. Fraudulent transfers are usually reversed within one to three business days if reported promptly.
Account numbers for different Chase account types
Whether you have a Chase Total Checking account, Chase Savings account, Chase Money Market account, or any other Chase product, the account number is always 10 digits. The format doesn't change based on account type.
If you have multiple accounts with Chase, each one has its own unique 10-digit number. You can see all of them in your online banking portal or by calling customer service. This is useful if you need to transfer money between your own accounts or set up automatic payments from a specific account.
Business accounts with Chase also use 10-digit account numbers, though the routing number may differ from personal accounts depending on your business banking product.
How account numbers differ from other Chase numbers
| Number Type | Length | What It Identifies | Where to Find It |
|---|---|---|---|
| Routing Number | 9 digits | Chase bank itself | Bottom left of checks, before account number |
| Account Number | 10 digits | Your specific account | Bottom left of checks, after routing number |
| Debit Card Number | 16 digits | Your debit card | Front of your debit card |
| Check Number | Usually 4 digits | Individual check | Bottom right of checks |
It's easy to confuse these numbers because they all appear on your checks. The key is remembering that your account number is the middle set of three on the bottom of the check, and it's always 10 digits for Chase.
Frequently Asked Questions
Can I change my Chase account number?
Chase will not change your account number under normal circumstances. Your 10-digit account number is permanent for the life of that account. If you close the account and open a new one, you'll receive a new account number. If you suspect fraud, contact Chase and they can investigate, but they won't reassign your number unless you close and reopen the account.
Do all banks use 10-digit account numbers?
No. Account number length varies by bank. Some banks use 8 digits, others use 12 or more. Chase consistently uses 10 digits, but if you're working with another bank, check their checks or online portal to confirm their account number length.
What's the difference between my account number and my customer ID?
Your account number identifies a specific account you own. Your customer ID (or customer number) identifies you as a Chase customer across all your accounts. You'll need your customer ID when calling Chase customer service, but you'll need your account number when setting up transfers or direct deposit.
Is it safe to text my account number to someone?
Texting your account number is riskier than other methods because text messages are not encrypted. If you need to share your account number, use a phone call or secure message through your bank's app instead. Never text it to someone you don't know or trust.
What if I give someone my account number but not my routing number?
Without your routing number, they cannot complete a transfer to your account because the banking system won't know which bank to send money to. However, always provide both numbers together when requested, since most legitimate transactions require both to process correctly.