Chase Bank's Direct Deposit Address and Routing Number

Chase does not require you to mail a physical address to set up direct deposit. Instead, you provide your Chase account number and routing number to your employer or the organisation sending the payment. The routing number for Chase Bank varies by state and branch, but you can find the correct one by logging into your Chase online account, calling Chase at 1-800-935-9935, or asking a Chase teller in person.

If your employer asks for a mailing address to send direct deposit paperwork, you can use any Chase branch address. However, most employers now handle direct deposit entirely through their payroll system without mailing anything to the bank. You enter your account details directly into your employer's system, and the bank processes the deposit automatically on payday.

Some employers still use paper forms. If yours does, you can mail the completed form to any Chase branch address in your state. The form will be routed to the correct department. You do not need to contact Chase first — the branch will process it when it arrives.

Key Takeaways

  • Chase direct deposit requires your account number and routing number, not a mailing address, because the process is electronic.
  • Your routing number depends on which state your Chase account is held in; you can find it online, by phone, or at a branch.
  • If your employer needs a mailing address for a paper form, any Chase branch address in your state will work.
  • Most employers now collect direct deposit information through their payroll system rather than mailing forms to the bank.

How to Find Your Chase Routing Number

Your routing number appears in three places. First, check the bottom left corner of any check you have from your Chase account — the first nine digits are the routing number. Second, log into Chase.com or your Chase mobile app, go to account details, and look for the routing number listed there. Third, call Chase customer service at 1-800-935-9935 and provide your account number; they will give you the routing number over the phone.

Chase routing numbers are specific to the state where your account is held. If you opened your account in California, your routing number will be different from someone who opened theirs in New York. If you have moved since opening your account, your routing number does not change — it stays tied to where you originally opened it.

What Information Your Employer Needs From You

Your employer's payroll department needs four pieces of information: your full name as it appears on your Chase account, your account number, your routing number, and the account type (checking or savings). Your account number appears on your checks, in your online account, or by calling Chase.

Some employers also ask whether the account is checking or savings. This matters because direct deposit rules differ slightly between the two. Most people use checking accounts for direct deposit, but savings accounts work too. If you are unsure which type you have, check your account online or ask a Chase teller.

Setting Up Direct Deposit Through Chase Online Banking

You do not set up direct deposit through Chase itself — you set it up through your employer. However, you can verify that your account is set up to receive direct deposits by logging into Chase.com. Go to your account settings and look for a section called "Direct Deposit" or "Incoming Transfers." This shows whether your account is active for receiving deposits.

If you see a message saying your account is not set up for direct deposit, contact Chase customer service. This is rare, but it can happen if your account is very new or if there is a hold on the account. Chase can remove the hold and set up direct deposit within one business day.

Mailing a Direct Deposit Form to Chase

If your employer requires you to mail a direct deposit authorisation form, you can send it to any Chase branch. Look up the address of a Chase branch near you on Chase.com or by calling 1-800-935-9935. Write the branch address on the envelope, and mail the form there. Include a note with your name and account number so the branch knows which account to attach it to.

Processing time for mailed forms is usually five to seven business days after Chase receives it. Your employer will not see confirmation that the form arrived, so ask your payroll department for a important date — they may need proof that you sent it. Keep a copy of the form for your records.

What Happens After You Provide Your Information

Once you give your employer your account number and routing number, they send the information to Chase through the Automated Clearing House (ACH) network. Chase receives it, matches it to your account, and sets up the deposit. Your first direct deposit usually arrives within one to two pay periods.

If your first deposit does not arrive on the expected date, contact your payroll department first — they can confirm whether they sent the information correctly. If they did, call Chase at 1-800-935-9935 and provide your account number. Chase can check whether the ACH instruction was received and processed.

Frequently Asked Questions

Do I need to contact Chase before setting up direct deposit?

No. You only need to provide your account number and routing number to your employer. Chase does not need advance notice. The bank processes the deposit automatically once your employer sends the information through the ACH network.

What if I give my employer the wrong routing number?

The deposit will be rejected and returned to your employer. Your employer will then ask you for the correct routing number and resubmit. This delays your payment by one to two pay periods. Double-check your routing number before giving it to payroll — it appears on your checks or in your online account.

Can I set up direct deposit to a Chase savings account instead of checking?

Yes. Tell your employer the account type when you provide your account number. Direct deposits work the same way in savings accounts, though some employers default to checking. If your employer's system does not let you choose savings, contact payroll and ask them to change it manually.

What if my Chase account is very new?

Wait at least one business day after opening the account before providing the information to your employer. New accounts sometimes have a temporary hold that prevents direct deposits. If your first deposit is rejected, call Chase and ask whether a hold is in place. They can remove it when ready.

Is there a Chase address I can use if my employer insists on a mailing address?

Yes. Use the address of any Chase branch in your state. You can find branch addresses on Chase.com or by calling 1-800-935-9935. Write your name and account number on any form you mail so the branch can route it correctly.