Chase checking accounts use a 10-digit account number
Your Chase checking account number is 10 digits long. You will 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 account number itself is separate from your routing number, which is a 9-digit code that identifies Chase as your bank. Together, these two numbers make up the information you need to set up direct deposit, pay bills by bank transfer, or receive wire transfers.
Do not confuse your account number with your debit card number. Your debit card has 16 digits and is a different identifier used only for card transactions. Your account number is what connects to your actual bank account and the money in it.
Key Takeaways
- Chase checking account numbers are always 10 digits, and you can find yours on a check, in the mobile app, or by calling customer service.
- Your account number is different from your routing number (9 digits) and your debit card number (16 digits).
- You need both your account number and routing number to set up direct deposit or receive transfers from other banks.
- Never share your full account number with anyone unless you initiated the transaction or recognize the person or organization requesting it.
Where to find your 10-digit account number
The easiest place to locate your account number is on a physical check. 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). The third set is your check number.
If you do not have checks, log into your Chase online banking account or open the Chase mobile app. Your account number appears in the account details section, usually labeled "Account Number" or under account information. You can also see it when you view your account summary.
You can also call Chase directly at 1-800-935-9935 and speak to a representative who will verify your identity and provide your account number over the phone. Have your Social Security number and date of birth ready.
Why you need both your account number and routing number
Your account number identifies which Chase account the money goes to. Your routing number identifies which bank holds that account. Together, they form a complete address for your money.
When you set up direct deposit with an employer, you provide both numbers so your paycheck lands in the right account at the right bank. If you give only the account number, the employer's payroll system cannot process the deposit. If you give only the routing number, the bank knows it is a Chase transfer but does not know which of millions of Chase accounts to credit.
The same applies to bill payments, wire transfers, and peer-to-peer transfers. Any time money moves between banks, both numbers are required. Within Chase only (transferring between your own Chase accounts, for example), you may only need the account number.
What your account number does not tell you
Your 10-digit account number does not reveal your balance, your transaction history, or how much money is in the account. It is simply an identifier. Someone who knows your account number cannot withdraw money or make charges without also having access to your login credentials or debit card.
This is why it is generally safe to share your account number and routing number with your employer, your landlord, or a business you are paying. These are the people and organizations you expect to receive money from or send money to. However, never share these numbers with someone who contacts you unexpectedly claiming to be from your bank or a government agency.
The difference between account number, routing number, and debit card number
| Identifier | Length | What it identifies | Where to find it |
|---|---|---|---|
| Account number | 10 digits | Your specific Chase account | Bottom left of checks, online banking, mobile app |
| Routing number | 9 digits | Chase Bank as your financial institution | Bottom left of checks (first set), online banking |
| Debit card number | 16 digits | Your physical or digital debit card | Front of your card, online banking |
Your debit card number is tied to your account, but it is not the same as your account number. The card number is what you use at stores, online retailers, and ATMs. Your account number is what you use for bank-to-bank transfers and direct deposit.
Keeping your account number secure
Your account number is not as sensitive as your PIN or password, but you should still protect it. Do not post it on social media, write it in an email, or text it to someone. If you need to share it, do so only with people or organizations you trust and have initiated contact with.
If you suspect your account number has been compromised or used fraudulently, contact Chase immediately at 1-800-935-9935. Chase can monitor your account for suspicious activity and issue you a new account number if necessary, though this is rare and usually only done in cases of serious fraud.
Frequently Asked Questions
Can I change my Chase account number?
Chase does not routinely change account numbers. Your account number stays the same for the life of the account. If you close the account and open a new one, you will receive a new account number. In cases of serious fraud, Chase may issue a new number, but you would need to contact them directly to request this.
Is my account number the same across all my Chase accounts?
No. Each account you hold at Chase has its own unique 10-digit account number. If you have a checking account and a savings account, each one has a different number. The routing number stays the same because it identifies Chase as the bank.
What should I do if I accidentally shared my account number online?
If you shared your account number alone, there is low risk because the number alone cannot be used to withdraw money or make charges. However, if you also shared your routing number, PIN, or online banking password, contact Chase immediately at 1-800-935-9935 to report the incident and monitor your account for fraud.
Do I need my account number to use my debit card?
No. Your debit card number is all you need to make purchases at stores or online. Your account number is only needed for bank transfers, direct deposit, and wire transfers. The two numbers serve different purposes.
Why does Chase use a 10-digit account number?
The 10-digit format is a standard used by most U.S. banks. It provides enough unique combinations to assign a different number to millions of individual accounts while keeping the number short enough to write down or remember. Chase has used this format for decades.