Chase uses multiple codes to identify accounts, branches, and routing information

Chase does not have a single "bank identification code." Instead, Chase uses several different codes depending on what you are trying to do: a routing number for wire transfers and ACH payments, a SWIFT code for international transfers, a branch code for in-person transactions, and your own account number for deposits and withdrawals. Which code you need depends on whether you are sending money domestically, internationally, or identifying a specific Chase location.

The most common code people need is the routing number. Chase's main routing number is 021000021, but this varies by state and by account type—checking accounts, savings accounts, and business accounts may have different routing numbers. Before you use any code, confirm it matches your specific account and the type of transaction you are making.

Key Takeaways

  • Chase's routing number (021000021 for most accounts) is used for ACH transfers and wire transfers, but varies by state and account type.
  • The SWIFT code for Chase is CHASUS33, used only for international wire transfers outside the United States.
  • Your account number is a separate identifier printed on your checks and visible in your online banking portal, used to identify your specific account.
  • Confirm the correct code with Chase before sending money, because using the wrong routing or SWIFT code can delay or misdirect a payment.

Routing numbers: what they are and when you need them

A routing number is a nine-digit code that identifies the specific Chase branch or processing center handling your account. It is used for automated clearing house (ACH) transfers—the system that moves money between banks for direct deposits, bill payments, and peer transfers. When you set up automatic bill pay through Chase or receive a paycheck deposit, the routing number tells the sending bank where to send the money.

Chase's primary routing number is 021000021, but this is not universal. Different states and different account types may have different routing numbers. For example, if you have a Chase account in California, your routing number may differ from someone with an account in New York. The safest approach is to find your routing number in your Chase online banking portal, on the bottom left of a check, or by calling Chase directly at 1-800-935-9935. Do not assume all Chase accounts use the same routing number.

Wire transfers also use routing numbers, though the process is slightly different from ACH. When you send a wire through Chase, you provide the recipient's routing number along with their account number. The routing number directs the wire to the correct bank and branch.

SWIFT codes for international transfers

If you are sending money to someone outside the United States, you will need Chase's SWIFT code instead of a routing number. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication, and it is the international standard for identifying banks across borders. Chase's SWIFT code is CHASUS33. This code is used only for international wire transfers; it does not apply to domestic payments.

When you initiate an international wire from Chase, you will provide the recipient's bank's SWIFT code, not Chase's. However, if someone outside the United States is sending money to your Chase account, they will need to use CHASUS33 along with your account number and routing number. Some international transfers also require a IBAN (International Bank Account Number), though the United States does not use IBANs—only your account number and routing number are needed.

Account numbers versus routing numbers

Your account number is different from your routing number and identifies your specific account at Chase. It is typically 10 to 12 digits long and appears on the bottom right of your checks. The routing number (on the bottom left) tells the system which bank; the account number tells it which account within that bank. Both are required for most transfers.

When you receive a direct deposit, the employer needs both your routing number and your account number. When you set up a bill payment, you provide your account number to the biller so they know which account to withdraw from. Your account number is also visible in your Chase mobile app and online banking portal under account details.

Branch codes and in-person transactions

Chase also assigns a branch code to each physical location. This code is used primarily for in-person transactions, customer service routing, and internal Chase operations. You typically do not need to know your branch code unless Chase asks for it during a phone call or in-person visit. If you need it, you can find it by logging into your Chase account online, calling customer service, or visiting your local branch.

Branch codes are not the same as routing numbers. A routing number identifies a processing center; a branch code identifies a physical location. Many customers never need to reference a branch code because most transactions are now digital.

How to find your Chase codes

The fastest way to find your routing number and account number is to log into your Chase online banking portal or mobile app. Go to account details or account information, and both numbers will be listed. You can also look at a check—the routing number is the first nine digits on the bottom left, and the account number is on the bottom right.

If you do not have a check or online access, call Chase customer service at 1-800-935-9935. Have your account number or Social Security number ready. Chase can also confirm which routing number applies to your specific account type and state. For international transfers, you can simply use CHASUS33 as Chase's SWIFT code; this does not change by account or location.

What happens if you use the wrong code

Using an incorrect routing number can delay a transfer or send money to the wrong account. If you provide a routing number that does not match your account type or state, the receiving bank may reject the transfer or hold it pending verification. ACH transfers typically take one to three business days; if the routing number is wrong, the transfer may be returned to the sender after several days, and you will have to resubmit with the correct information.

Wire transfers are faster but harder to reverse. If you send a wire with an incorrect routing number or account number, the money may reach an unintended recipient, and recovery can be difficult. Always double-check both the routing number and account number before confirming a wire transfer. If you are unsure, contact Chase or the recipient's bank to verify before sending.

Frequently Asked Questions

Is Chase's routing number the same for all accounts?

No. Chase's primary routing number is 021000021, but it varies by state and account type. Check your specific routing number in your online banking portal, on a check, or by calling Chase at 1-800-935-9935 to confirm which one applies to your account.

Do I need a SWIFT code for transfers within the United States?

No. SWIFT codes are only for international transfers. For domestic ACH transfers and wire transfers, use your routing number instead. Chase's SWIFT code (CHASUS33) is only needed if someone outside the United States is sending money to your Chase account.

What is the difference between a routing number and an account number?

The routing number identifies Chase or a specific Chase processing center; the account number identifies your individual account. Both are required for most transfers. The routing number appears on the bottom left of a check, and the account number appears on the bottom right.

Can I find my routing number on my Chase debit card?

No. Your debit card does not display your routing number. Check a check, your online banking portal, or call Chase customer service. Your debit card does show your card number, but that is different from your account number and routing number.

What should I do if a transfer was sent to the wrong routing number?

Contact Chase immediately. For ACH transfers, the money may be returned within a few business days, and you can resubmit with the correct routing number. For wire transfers, contact Chase and the receiving bank right away—recovery is possible but requires quick action and may not always succeed.