Finding the right routing number for your bank account shouldn't feel like a guessing game. If you hold an account with Chase Bank in Illinois, your primary checking or savings account requires a specific nine-digit sequence for electronic transfers, payroll deposits, and automatic bill payments. Using an incorrect number can trigger processing delays, rejected transactions, or frustrating holds on your funds.
For standard electronic transactions, checking, and direct deposits tied to an Illinois-opened account, the correct Chase routing number is 071000013. However, wire transfers follow entirely different rules. Knowing when to use your state-specific code versus the national wire routing code prevents costly errors.
Understanding Your Illinois Routing Code
Banks use routing transit numbers (RTNs) to identify specific financial institutions during financial transactions. The American Bankers Association (ABA) assigns these nine-digit identifiers. For Chase accounts opened in Illinois, the standard electronic routing transit number is 071000013.
You'll need this number for everyday banking tasks. When you set up direct deposit with your employer, link an external bank account, or configure automatic payments for utilities and credit cards, this is the code you enter. Entering the wrong state number means your electronic funds transfer (EFT) or Automated Clearing House (ACH) payment will fail validation or bounce back to the source. Analysts at Bloomberg have provided expertise on this trend.
Checking vs. Wire Transfers: Avoid This Common Mistake
One of the most frequent mistakes account holders make is using their local state routing number for wire transfers. Chase maintains a separate routing structure for wires, which trips up many consumers moving large sums of money.
If you are sending or receiving a domestic wire transfer through Chase, you generally use the national JPMorgan Chase wire routing number, which is 021000021, regardless of whether your account was opened in Illinois or another state. For international wire transfers, you will use that same domestic wire routing number alongside the official Chase SWIFT code: CHASUS33.
Mixing these up leads to immediate rejection by the wire processing department. Always verify whether your transaction moves through the standard ACH network or the wire network before submitting the digits.
Where to Find Your Routing Number on Chase Documents
Never rely entirely on memory or third-party web lists when significant sums of money are on the line. You can easily double-check your correct routing number using documents and tools provided directly by the bank.
The Bottom of Your Checkbook
If you still use physical paper checks, look at the bottom left corner. You'll see a string of numbers grouped in a specific sequence.
- The first group of nine digits on the far left is your routing number.
- The middle group of numbers represents your individual account number.
- The final group on the right is the check sequence number.
Your Chase Mobile App or Online Portal
Digital banking makes locating your specific details simple without needing a paper check. Log into your Chase Mobile app or the official Chase Online Banking portal. Navigate to your specific checking or savings account details page. The routing number for that specific account is listed right alongside your account details and balance summary.
Common Routing Number Pitfalls to Avoid
Moving money electronically requires precision. Keep these practical rules in mind to protect your transfers:
- Don't assume all states share a number: Chase assigns different routing numbers based on the geographic state where you originally opened the account. If you moved from New York or Florida to Illinois and opened a new account locally, your number changed.
- Watch out for transposed digits: A single swapped number turns 071000013 into an invalid code or routes money to an entirely different regional Federal Reserve bank district.
- Confirm business vs. personal accounts: While standard retail checking and savings accounts in Illinois share the state routing number, specialized commercial or corporate accounts sometimes utilize specialized routing pathways. Check your corporate treasury documentation if you manage business funds.
Frequently Asked Questions
What is the exact Chase routing number for Illinois?
The standard ACH and electronic transaction routing number for Chase accounts opened in Illinois is 071000013.
Can I use my Illinois routing number for a wire transfer?
No. Domestic and international wire transfers processed through Chase typically require the national wire routing number 021000021 instead of your state-specific code.
Does my routing number change if I move within Illinois?
No. Your routing number is determined by the state where your account was originally opened, not your current residential address. If you move within Illinois or even out of state, your existing account keeps the same routing number unless you close the account and open a new one elsewhere.
Where can I verify my routing number if my checks are missing?
You can log into your Chase Mobile App or call the customer service number printed on the back of your debit card to confirm your exact routing and account numbers securely.
