Chase Routing Number for Michigan

Updated regularly • Verified banking data • Covers ACH transfers, direct deposit, checks, and wire routing details

Quick Answer

The Chase routing number for Michigan is 072000326. Use this for direct deposit, ACH transfers, recurring bill payments, and paper checks. For domestic wire transfers, use 021000021. For international wires, the SWIFT code is CHASUS33.

Two things worth knowing about Michigan’s routing number before you use it: first, 072000326 is shared with North Carolina and South Carolina — so if you see it appear on pages for those states, that’s not an error. Second, Michigan borders Ohio and Indiana, both of which use completely different Chase routing numbers. If you opened your account near the Ohio or Indiana border, verify in the Chase app which number is actually tied to your account before setting up any deposits.

What Is the Chase Routing Number for Michigan?

The routing number for Chase accounts opened in Michigan is 072000326. This applies statewide — whether your account was opened in Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, Lansing, Flint, Dearborn, Troy, Livonia, or anywhere else in the state.

This 9-digit number is Chase’s identifier within the U.S. payment network. When your employer submits payroll, when the IRS deposits a refund, or when you link your Chase account to another bank, this number tells the payment system which institution to route funds through before your account number directs them to you specifically.

When Michigan Customers Use This Routing Number

You’ll need 072000326 any time you’re electronically connecting a payment or deposit to your Michigan-opened Chase account. The most common situations:

• Employer payroll / direct deposit: When HR asks for your bank details to set up your paycheck. This is particularly common in Michigan given the size of the automotive industry — GM, Ford, Stellantis, and their supplier networks represent some of the largest employer payroll operations in the country. Getting this number right on your first submission matters.
• Federal and state government deposits: IRS tax refunds, Social Security, veterans benefits, unemployment, and Michigan state tax refunds.
• ACH transfers between banks: Moving money between your Chase account and another institution — a credit union, brokerage, or high-yield savings account elsewhere.
• Recurring bill payments: Auto-pay for utilities, rent, insurance, student loans, or subscriptions pulling directly from your Chase account.
• Linking to payment apps: Connecting Chase to PayPal, Venmo, Cash App, or similar platforms.
• Paper checks: Your routing number is pre-printed on your checks — confirming it ensures you ordered the right ones and that they’ll clear without issue.

Real-World Examples

Setting Up Direct Deposit — Including Large Employer Payroll Systems

Your employer’s payroll form or portal — ADP, Workday, Paychex, Gusto, SAP SuccessFactors, or a paper direct deposit authorization form — will ask for your routing number and account number separately. Enter 072000326 as the routing number. Your account number is the second string of digits at the bottom of your check, typically 10–12 digits long.

Michigan’s large employer payroll systems — particularly in the automotive and manufacturing sectors — process payroll for tens of thousands of employees at once. Errors in routing number submission don’t just delay your individual paycheck; they go through a batch correction cycle that can take an additional pay period to resolve. Submitting the correct number the first time is especially important when your employer uses a centralized payroll system that doesn’t easily accommodate mid-cycle corrections.

New direct deposit setups typically take one to two pay cycles to activate. Submit changes as early in the pay cycle as possible — well before your employer’s payroll cutoff date — to avoid a gap between old and new deposit arrangements.

Linking Chase to PayPal, Venmo, or Cash App

When adding your Chase account to a payment app, link manually using your routing and account number, or verify instantly through your Chase login. If linking manually, use 072000326.

Michigan is a large enough Chase market that most apps auto-fill 072000326 correctly. The exception to watch for: if you’re in southeast Michigan near the Ohio border (Toledo metro area), some apps serving that region occasionally pull Ohio’s routing number (044000037) for accounts near the state line. Always confirm what populated before finalizing.

Micro-deposit verification remains the most reliable method: the app sends two small test amounts (under $0.50 each) to your Chase account within 1–2 business days, and you confirm them to complete the link — eliminating routing number entry and auto-fill errors entirely.

ACH Transfers Between Banks

If you’re moving money between Chase and another institution — funding an Ally or Marcus savings account, transferring from a Michigan credit union, or moving money to a brokerage — the outside bank will ask for Chase’s routing number and your account number. Use 072000326.

Standard ACH transfers settle in 1–3 business days. Transfers initiated after business hours or on weekends typically don’t begin processing until the next business day. See how ACH payments are processed for a full timeline breakdown.

Ordering or Verifying Checks

When reordering checks through Chase or a third-party printer, confirm the routing number in the order preview is 072000326 before submitting. Checks printed with the wrong routing number are returned unpaid — a particular issue for business owners and contractors in Michigan’s manufacturing supply chain where checks are still widely used for vendor payments and subcontractor settlements.

IRS and Michigan State Tax Refunds

When filing your federal return or your Michigan state return, enter 072000326 as the routing number to receive your refund by direct deposit. Michigan residents who work in Ohio or Indiana under reciprocal tax agreements should note: regardless of which state’s return you file, the routing number for your Chase deposit is tied to where your account was opened. If your account was opened in Michigan, 072000326 is correct for all direct deposit elections.

Wire Transfers: Use a Different Number

Wire transfers move through the Fedwire network — not ACH — and require a separate routing number. Using 072000326 for a wire will cause it to fail or be returned, sometimes without immediate notification.

• Domestic wire transfers (within the U.S.): Use 021000021
• International wire transfers: Use SWIFT code CHASUS33, along with your account number and — depending on the destination country — your Chase branch address

Wires are typically processed same-day if initiated before Chase’s cutoff time but cost more than ACH. Chase charges fees for most outgoing domestic and international wires. If you’re receiving a wire, provide the sender with 021000021, your account number, and Chase’s bank name and address. For a full comparison, see ACH vs wire transfers explained.

Why Michigan Shares Its Routing Number with North Carolina and South Carolina

This is the detail that surprises most Michigan Chase customers who look up their routing number on multiple sites and see it listed for states they have no connection to.

072000326 is used for Chase accounts opened in Michigan, North Carolina, and South Carolina. These three states are geographically unrelated — they don’t border each other and have no obvious regional connection. The shared routing number reflects how Chase’s regional processing system was structured after multiple acquisitions, not any geographic logic that would be intuitive to customers.

The practical meaning: if you see 072000326 on a North Carolina or South Carolina routing number page, that’s correct and not a data error. Conversely, if someone in North Carolina gives you their Chase routing number and it matches yours, that’s expected — both states use the same number within Chase’s processing infrastructure.

What this does not mean: that you can use a North Carolina or South Carolina routing number interchangeably with Michigan’s. The number itself is the same — 072000326 — so functionally it makes no difference which state’s page you found it on, as long as the number is correct.

Why Your Routing Number Is Tied to Where You Opened Your Account

Routing numbers trace back to the Federal Reserve’s regional district system, created in the early 1900s. Banks were assigned numbers based on which Federal Reserve district they operated in, and those numbers remained in place through decades of mergers and national expansion. Chase grew through acquisitions of Chemical Bank, Manufacturers Hanover, Bank One, Washington Mutual, and numerous regional banks — inheriting routing numbers from each.

For Michigan customers this means:

• Opened your Chase account in Michigan: Your routing number is 072000326 regardless of where you live now.
• Moved to Michigan from Ohio: Your routing number is likely 044000037 — Ohio’s number — not Michigan’s, unless you opened a new account after arriving.
• Moved to Michigan from Indiana: Your routing number is likely 074000010 — Indiana’s number.
• Work in Ohio or Indiana but bank in Michigan: Your routing number is 072000326 — the number follows the account origin, not your work location.

Your routing number does not update when you change your address with Chase. The only way to get a Michigan routing number is to open a new Chase account at a Michigan branch.

How to Verify Your Chase Routing Number

In the Chase Mobile App

1. Open the Chase app and sign in.
2. Tap the account you want to use — checking or savings.
3. Tap the account name or the last four digits near the top of the screen.
4. Select “Show full account number.”
5. Your routing number and full account number will both appear. Screenshot or write them down.

In Chase Online Banking

1. Log in at chase.com.
2. Click on the account you want to verify.
3. Click “Show full account number” near the top of the account details page.
4. Your routing number and account number will be displayed together.

On a Paper Check

Look at the bottom-left corner of any Chase check. The first 9-digit number is the routing number. The longer number immediately to its right is your account number, and the number at the far right is the check number. The fastest offline method — no login required.

Call Chase

If you don’t have app access or checks available, call the number on the back of your Chase debit card. After verifying your identity, a representative can confirm the routing number tied to your specific account.

Common Mistakes to Avoid

• Using 021000021 for ACH or direct deposit. That’s Chase’s domestic wire routing number. Using it for Michigan direct deposit or ACH will result in a rejected or returned transaction. The correct Michigan ACH number is 072000326.
• Using Ohio’s or Indiana’s routing number for a Michigan account. If you live near the Ohio or Indiana border and grabbed a routing number from a coworker in a different state, confirm it’s specifically tied to your Michigan account — not theirs.
• Assuming your routing number updated when you moved to Michigan. It doesn’t. Your routing number stays tied to your account’s state of origin until you open a new account in Michigan.
• Being confused by 072000326 appearing for North Carolina or South Carolina. That’s correct — all three states share this routing number. The number itself is what matters, and 072000326 is right for Michigan ACH.
• Confusing your routing number and account number. Both appear at the bottom of a check. The routing number is always exactly 9 digits. Your account number is longer.
• Entering the routing number with spaces or dashes. Always enter it as a plain 9-digit number — no formatting characters.

What Happens If You Enter the Wrong Routing Number

The outcome depends on what was entered and what type of transaction was involved.

If the routing number doesn’t correspond to any bank: The transaction is rejected within 1–3 business days and funds return to the sender. Nothing is permanently lost, but there’s a delay — and for payroll specifically, you may need to resubmit a direct deposit authorization form and wait another full pay cycle.

If the routing number routes to the wrong bank: The payment reaches a different institution. Since your account number almost certainly doesn’t exist there, the transaction is rejected and returned. This adds extra business days and may trigger a returned-item fee from the originating bank or payroll processor.

If the routing number is correct but the account number is wrong: The most serious scenario. If the incorrect account number happens to match a real Chase account belonging to someone else, funds can deposit into that account. Recovering misdirected ACH payments requires a formal dispute with Chase and can take weeks. Contact Chase immediately and document everything — date, amount, and any confirmation numbers.

General rule: If an expected deposit doesn’t arrive within two business days of when it was due, start investigating right away. See typical bank transfer timelines for context on what’s normal versus what warrants a call to Chase.

Michigan vs. Bordering States: Routing Number Comparison

Michigan borders four states (via land and water), and every one uses a different Chase routing number. If you’ve recently moved, work across state lines, or hold accounts in more than one state, this table is worth checking:

State	Chase ACH Routing Number
Michigan	072000326
Ohio	044000037
Indiana	074000010
Wisconsin	075000019
Illinois	071000013
North Carolina (shares Michigan’s number)	072000326
South Carolina (shares Michigan’s number)	072000326

Note: North Carolina and South Carolina share Michigan’s routing number within Chase’s regional processing system — this is correct and intentional despite the geographic distance. All states that border Michigan by land or water use different Chase routing numbers. Always verify your specific account in the Chase app.

More Chase Routing Number Guides

• Browse all Chase routing numbers by state
• Chase routing number for Ohio
• Chase routing number for Indiana
• Chase routing number for Illinois
• Chase routing number for Wisconsin

Frequently Asked Questions

What is the Chase routing number for Michigan?

The Chase routing number for Michigan is 072000326. Use this for direct deposit, ACH transfers, bill pay, and paper checks.

Why does Michigan share its routing number with North Carolina and South Carolina?

Michigan, North Carolina, and South Carolina are grouped within the same Chase regional processing system, a structure inherited from past bank acquisitions and Chase’s internal processing infrastructure. The shared number reflects Chase’s backend organization rather than any geographic logic. All three states legitimately use 072000326 for ACH transactions.

Is 072000326 correct for both Chase checking and savings accounts in Michigan?

Yes. Both Chase checking and savings accounts opened in Michigan use routing number 072000326 for ACH transactions and direct deposit.

Can I use 072000326 for a wire transfer?

No. Wire transfers require a different routing number: 021000021 for domestic wires. Using the ACH routing number for a wire will cause the transfer to fail or be returned.

I moved to Michigan from Ohio. Is my routing number 072000326?

Only if your Chase account was originally opened in Michigan. If your account was opened in Ohio, your routing number is likely 044000037 — Ohio’s number — not Michigan’s. Routing numbers are tied to the account’s state of origin, not your current address. Verify in the Chase mobile app to confirm.

I work for a major auto company in Michigan. What’s the best way to make sure my direct deposit is set up correctly?

Verify your routing number in the Chase mobile app first — confirm it shows 072000326 for your specific account. Then provide your HR or payroll team with that number plus your full account number exactly as shown in the app (no spaces or dashes). Large employer payroll systems process corrections in batch cycles, so a wrong number on the first submission can delay your paycheck by a full pay period. Getting it right before the cutoff date matters more than fixing it afterward.

Does Chase use a different routing number for business accounts in Michigan?

No. Chase business and personal accounts opened in Michigan both use routing number 072000326 for ACH transfers and direct deposit.

How long does direct deposit take to activate after I submit new banking info?

Most employers take one to two pay cycles. Large manufacturing and automotive employers with centralized payroll systems may take slightly longer if changes must go through an HR approval cycle before being submitted to payroll. Submit as early as possible in the pay period and confirm with your HR team that the change was received.

Bottom Line

The Chase routing number for Michigan is 072000326 for direct deposit, ACH transfers, bill pay, and checks. For domestic wire transfers, use 021000021. For international wires, use SWIFT code CHASUS33.

For Michigan specifically: don’t be thrown by 072000326 appearing for North Carolina and South Carolina — all three states share it and it’s correct for Michigan ACH. Don’t use 021000021 for anything other than a wire. And if you’re near the Ohio or Indiana border and aren’t certain which routing number applies to your specific account, the Chase app confirms it in under a minute — which is always worth doing before submitting payroll or direct deposit paperwork to a large employer where batch correction cycles can mean waiting an extra pay period.