Chase Routing Number for California

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

Quick Answer

The Chase routing number for California is 322271627. 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 about this number that surprise California Chase customers: first, it’s shared with Nevada — so if you see 322271627 on a Nevada routing number page, that’s not an error. Second, this number traces back to Washington Mutual (WaMu), which Chase acquired in 2008. If you had a WaMu account that converted to Chase, this has been your routing number ever since. If your account predates the WaMu acquisition and was opened directly with Chase, verify in the app — a small number of older California accounts may carry a different number.

What Is the Chase Routing Number for California?

The routing number for Chase accounts opened in California is 322271627. This applies statewide — whether your account was opened in Los Angeles, San Diego, San Francisco, San Jose, Sacramento, Fresno, Long Beach, 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 California Customers Use This Routing Number

You’ll need 322271627 any time you’re electronically connecting a payment or deposit to your California-opened Chase account. The most common situations:

• Employer payroll / direct deposit: When HR asks for your bank details to set up your paycheck — whether you work in California or remotely for an out-of-state employer.
• Federal and state government deposits: IRS tax refunds, Social Security, veterans benefits, unemployment, and California state tax refunds (FTB).
• ACH transfers between banks: Moving money between your Chase account and another institution — a credit union, brokerage, or high-yield savings account.
• 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

Your employer’s payroll form or portal — ADP, Workday, Paychex, Gusto, or a paper form from HR — will ask for your routing number and account number separately. Enter 322271627 as the routing number. Your account number is the second string of digits at the bottom of your check, typically 10–12 digits long.

The routing number is always exactly 9 digits. If what you’re entering is shorter or longer, you’re in the wrong field. California’s 322271627 passes standard ABA checksum validation, so most payroll systems will accept it without issue — but always double-check you haven’t transposed any digits before submitting. A single digit error won’t be caught by validation but will cause the deposit to fail.

New direct deposit setups generally take one to two pay cycles to activate. Changes submitted after your employer’s payroll cutoff will take effect the following cycle. If you’re switching from a WaMu-era setup or updating old banking info, give yourself a full cycle of buffer before expecting the new details to take effect.

Linking Chase to PayPal, Venmo, or Cash App

When adding your Chase account to a payment app, you’ll either link manually using your routing and account number, or verify instantly through your Chase login. If linking manually, use 322271627.

California is one of the states where app auto-fill tends to work reliably — Chase’s California presence is large enough that most platforms have the correct number on file. Still, confirm that what populates is 322271627 and not the Arizona number (122100024) or another West Coast number before finalizing the link.

The most reliable linking method remains micro-deposit verification: the platform deposits two small test amounts (under $0.50 each) into your Chase account within 1–2 business days, and you confirm the exact amounts to complete the link. It takes a little longer but eliminates routing number 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 California credit union, or moving money to a brokerage — the receiving institution will ask for Chase’s routing number and your account number. Use 322271627.

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. Some banks offer same-day ACH for a small fee when speed matters. 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, verify that the routing number shown in the order preview is 322271627 before confirming. Checks printed with the wrong routing number are returned unpaid, triggering returned-check fees and payment complications. This matters especially if you’re using checks for rent, security deposits, or business payments.

California Franchise Tax Board and IRS Refunds

When filing your federal return or your California state return with the FTB, you’ll enter your routing number to receive a direct deposit refund. Use 322271627 for both. This is also the number for California-based government benefit enrollments — Social Security direct deposit, veterans benefits, CalWORKs, and similar programs. Errors on government payment forms take longer to correct than payroll errors, sometimes requiring additional forms or waiting for the next payment cycle.

Wire Transfers: Use a Different Number

Wire transfers move through the Fedwire network — not ACH — and require a separate routing number. Using 322271627 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, give the sender 021000021, your account number, and Chase’s bank name and address. For a full comparison, see ACH vs wire transfers explained.

Why California and Nevada Share the Same Routing Number

Most people assume every state gets a unique Chase routing number. California and Nevada are a notable exception — both use 322271627.

The reason traces back to how Chase groups states within its regional processing systems. When Chase acquired Washington Mutual in 2008 — the largest bank failure in U.S. history — it inherited WaMu’s entire West Coast operation, including its routing numbers. WaMu had served California and Nevada under a single processing region, and Chase retained that structure after the acquisition. The number 322271627 was WaMu’s California-based routing number and became the Chase routing number for both states.

In practical terms this means: if you had a WaMu account that converted to Chase, 322271627 has been your routing number since 2008. If you opened a new Chase account in California after the acquisition, you received the same number. And if you’re in Nevada and see 322271627 on a California routing number page — that’s not a mistake, it’s genuinely the same number for both states.

A Note on Legacy WaMu Accounts

The vast majority of former WaMu customers were migrated to 322271627 after Chase completed the acquisition. However, if you have a Chase account that predates the WaMu acquisition and was opened directly with Chase under a different California number, or if your account has any unusual history, it’s worth verifying in the Chase app rather than assuming 322271627 applies. The account details screen in the Chase mobile app shows your exact routing number in under a minute and removes any doubt.

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. This is the fastest offline verification method and requires no login.

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 — also the ACH number for New York. Using it for California direct deposit will result in a rejected or returned transaction.
• Assuming your routing number changed after moving to California. It doesn’t. Your routing number is tied to where your account was opened. If you opened your account in Texas and moved to California, your number is still 111000614 until you open a new account.
• Thinking 322271627 is wrong because you’ve also seen it for Nevada. It’s correct for both. California and Nevada share this routing number within Chase’s regional processing system.
• 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.
• Trusting auto-filled routing numbers in third-party apps without verifying. Always cross-check what the app populated against what shows in your Chase account details.
• Entering the routing number with spaces or dashes. Always enter it as a plain 9-digit number with no formatting.

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 you may need to resubmit forms and wait another payroll or payment cycle.

If the routing number routes to the wrong bank: The payment reaches a different institution’s system. Since your account number almost certainly doesn’t exist there, the transaction is rejected and returned. This adds extra business days to the process 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 outcome. 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 if this happens and document everything — the date, amount, and any confirmation numbers you received.

General rule: If an expected deposit doesn’t arrive within two business days of when it was due, start investigating right away. The sooner the error is reported, the easier the correction. See typical bank transfer timelines to understand what’s normal versus what warrants a call to Chase.

California vs. Neighboring States: Routing Number Comparison

California borders three states, and Chase operates in all of them. If you’ve moved recently, hold accounts in multiple states, or work remotely for an out-of-state employer, this table helps confirm you’re using the right number:

State	Chase ACH Routing Number
California	322271627
Nevada	322271627
Arizona	122100024
Oregon	325070760
Washington	325070760

Note: Nevada shares California’s routing number. Oregon and Washington share a different number with each other. Arizona uses its own distinct number. Always verify your specific account in the Chase app — especially if you’ve recently moved or hold accounts in more than one state.

More Chase Routing Number Guides

• Browse all Chase routing numbers by state
• Chase routing number for Nevada
• Chase routing number for Arizona
• Chase routing number for Oregon
• Chase routing number for Washington

Frequently Asked Questions

What is the Chase routing number for California?

The Chase routing number for California is 322271627. Use this for direct deposit, ACH transfers, bill pay, and paper checks.

Why does Nevada have the same routing number as California?

California and Nevada are grouped within the same Chase regional processing system, a structure that dates back to Chase’s acquisition of Washington Mutual in 2008. WaMu served both states under a single routing number, and Chase retained that setup after the acquisition. Both states legitimately use 322271627.

I had a WaMu account that converted to Chase. Is 322271627 still my routing number?

Almost certainly yes. Chase migrated the vast majority of former WaMu customers to 322271627 after the 2008 acquisition. To be completely certain, verify in the Chase mobile app under account details — it displays your exact routing number regardless of your account’s history.

Is 322271627 correct for both Chase checking and savings accounts in California?

Yes. Both Chase checking and savings accounts opened in California use routing number 322271627 for ACH transactions and direct deposit.

Can I use 322271627 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 California from another state. Is my routing number 322271627?

Only if your Chase account was originally opened in California or Nevada. Routing numbers are tied to the account’s state of origin, not your current address. If you moved from Texas, Arizona, or any other state, your routing number still reflects where the account was opened. Verify in the Chase mobile app to confirm.

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

Most Chase business accounts opened in California use the same routing number — 322271627 — for ACH transfers and direct deposit. If you have a legacy business account with unusual history, verify in the Chase app or with your business banker to confirm.

My payroll system is rejecting my routing number. What should I do?

First, confirm you’re entering 322271627 as exactly 9 digits with no spaces, dashes, or extra characters. If the system still rejects it, verify the number in the Chase app or on a check, then ask your HR or payroll team to enter it manually. Some older payroll systems have formatting requirements that trip up valid routing numbers on the first attempt.

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

Most employers take one to two pay cycles to process a new direct deposit setup. If you submit changes after the payroll cutoff date, that paycheck will still arrive via your previous method. Submit as early in the pay cycle as possible to avoid a gap.

Bottom Line

The Chase routing number for California is 322271627 for direct deposit, ACH transfers, bill pay, and checks. For domestic wire transfers, use 021000021. For international wires, use SWIFT code CHASUS33.

For California specifically: don’t be thrown off by seeing 322271627 associated with Nevada — that’s correct, both states share it. Don’t use 021000021 for anything other than a wire. And if your account has any history with Washington Mutual or predates Chase’s California expansion, a 60-second check in the Chase app confirms your exact number and removes all guesswork.