Updated regularly • Verified banking data • Covers ACH transfers, direct deposit, checks, and wire routing details
Chase Illinois Routing Number at a Glance
- Illinois ACH / direct deposit routing number: 071000013
- Used for: Direct deposit, ACH transfers, bill payments, and paper checks
- Domestic wire routing number: 021000021
- International wire SWIFT code: CHASUS33
Quick Answer
The Chase routing number for Illinois is 071000013. 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.
One thing worth knowing about Illinois specifically: unlike most Midwest states, Illinois has its own dedicated routing number that isn’t shared with neighboring states. Indiana uses 074000010, Wisconsin uses 075000019, Iowa uses 075000019, Michigan uses 072000326 — all different from Illinois’s 071000013. If you’ve been near a state border and compared notes with someone at a different bank branch, that’s why your numbers don’t match even though you both bank at Chase.
The other Illinois-specific issue worth flagging immediately: if you live in northwest Indiana — Gary, Hammond, Merrillville, Munster — and opened your Chase account at a Chicago-area branch, your routing number is 071000013 (Illinois), not Indiana’s 074000010. We cover this in detail in our Indiana routing number guide, but it’s worth stating from the Illinois side too: geography and routing number don’t always match when the Chicago metro straddles state lines.
What Is the Chase Routing Number for Illinois?
The routing number for Chase accounts opened in Illinois is 071000013. This applies statewide — whether your account was opened in Chicago, Aurora, Naperville, Joliet, Rockford, Springfield, Peoria, Elgin, or anywhere else in Illinois.
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 Illinois Customers Use This Routing Number
You’ll need 071000013 any time you’re electronically connecting a payment or deposit to your Illinois-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 Illinois, commute to Wisconsin or Indiana, or work remotely for an out-of-state employer.
- Federal and state government deposits: IRS tax refunds, Social Security, veterans benefits, unemployment, and Illinois 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
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 071000013 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. Chicago is one of Chase’s largest markets, so most major payroll systems have 071000013 on file and will validate it without issue. That said, always confirm you haven’t transposed digits before submitting — a single transposition passes validation but sends your deposit to the wrong place.
New direct deposit setups generally take one to two pay cycles to activate. If you submit changes after your employer’s payroll cutoff, that check arrives via your previous method. Give yourself a full cycle of buffer when updating banking information.
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 071000013.
Illinois is a large enough Chase market that most apps auto-fill 071000013 correctly when you select “Chase” from a bank list. The exception: if you opened your account in northwest Indiana at what feels like a Chicago-area branch, the app may populate 071000013 even though your account was technically opened in Indiana — in that case you’d want to verify in the Chase app which number actually applies to your account before finalizing the link.
The most reliable method is micro-deposit verification: the app deposits two small test amounts (usually under $0.50 each) into your Chase account within 1–2 business days, and you confirm them to complete the link — no routing number entry required and no risk of auto-fill errors.
ACH Transfers Between Banks
If you’re moving money between Chase and another institution — funding an Ally or Marcus savings account, transferring from an Illinois credit union, or moving money to a brokerage — the outside bank will ask for Chase’s routing number and your account number. Use 071000013.
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 timing matters. See how ACH payments are processed for a full breakdown.
Ordering or Verifying Checks
When reordering checks through Chase or a third-party printer, verify the routing number in the order preview is 071000013 before confirming. Checks printed with the wrong routing number are returned unpaid, triggering returned-check fees and complications — particularly problematic for rent, deposits, or business payments where a returned check has real consequences.
IRS and Illinois State Tax Refunds
When filing your federal return or your Illinois state return, enter 071000013 as the routing number to receive your refund by direct deposit. Illinois residents who commute to work in Wisconsin, Indiana, or Iowa should note that reciprocal tax agreements may affect which state return you file — but regardless of where your income is taxed, the routing number for your Chase deposit is tied to where your account was opened, not where you worked. If your account was opened in Illinois, 071000013 is correct.
Wire Transfers: Use a Different Number
Wire transfers move through the Fedwire network — not ACH — and require a separate routing number. Using 071000013 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 Illinois Has Its Own Routing Number — and Doesn’t Share It
Most Midwest states share Chase routing numbers with neighbors — Indiana and Ohio have their own, but Wisconsin shares with Minnesota and Iowa, and Missouri shares with Kansas, Nebraska, and Oklahoma. Illinois stands alone with 071000013, and the reason goes back to Chicago’s outsized role in the history of American banking.
Chicago was the banking hub of the Midwest long before national banking existed. The Federal Reserve’s Seventh District, which covers Illinois and parts of neighboring states, has been centered in Chicago since the Federal Reserve System was established in 1913. When Chase expanded significantly in Illinois through the Bank One acquisition in 2004 — Bank One was headquartered in Chicago before moving to Dallas — it inherited a routing infrastructure that had been built to handle Chicago’s enormous transaction volume as a standalone system. That volume, and the Federal Reserve district structure, is why Illinois got its own number rather than being grouped with neighbors.
The practical result: if you have a Chase account from Illinois and one from Indiana, they have different routing numbers despite being neighboring states served by many of the same physical branches near the Chicago metro area.
How to Verify Your Chase Routing Number
In the Chase Mobile App
- Open the Chase app and sign in.
- Tap the account you want to use — checking or savings.
- Tap the account name or the last four digits near the top of the screen.
- Select “Show full account number.”
- Your routing number and full account number will both appear. Screenshot or write them down.
In Chase Online Banking
- Log in at chase.com.
- Click on the account you want to verify.
- Click “Show full account number” near the top of the account details page.
- 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. No login required — the fastest offline method.
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 Illinois direct deposit will result in a rejected or returned transaction. The correct Illinois ACH number is 071000013.
- Assuming you have an Illinois routing number because you live in the Chicago metro area. If you opened your account in northwest Indiana, your routing number is 074000010 — not the Illinois number — even if your physical branch was closer to Chicago than to Indianapolis.
- Assuming your routing number updated when you moved to Illinois. It doesn’t. Your routing number stays tied to your account’s state of origin until you open a new account in Illinois.
- 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 against what the Chase app shows for your specific account.
- 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 you may need to resubmit forms and wait another payroll cycle before the correction takes effect.
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, the 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 — date, amount, and any confirmation numbers you have.
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.
Illinois vs. Neighboring States: Routing Number Comparison
Illinois borders five states, and every one of them uses a different Chase routing number. This matters especially in the Chicago metro area, where state lines are close enough that Chase branches in Illinois and Indiana are sometimes within miles of each other:
| State | Chase ACH Routing Number |
|---|---|
| Illinois | 071000013 |
| Indiana | 074000010 |
| Wisconsin | 075000019 |
| Iowa | 075000019 |
| Missouri | 103000648 |
| Kentucky | 083000137 |
Note: Illinois is the only Midwest state in this table with a completely unique routing number — it shares 071000013 with no neighboring state. Wisconsin and Iowa share 075000019 with each other. Always verify your specific account in the Chase app, especially if you live near a state border or your account was opened outside Illinois.
More Chase Routing Number Guides
- Browse all Chase routing numbers by state
- Chase routing number for Indiana — Chicago metro spillover details
- Chase routing number for Wisconsin
- Chase routing number for Ohio
- Chase routing number for Michigan
Frequently Asked Questions
What is the Chase routing number for Illinois?
The Chase routing number for Illinois is 071000013. Use this for direct deposit, ACH transfers, bill pay, and paper checks.
Is 071000013 correct for both Chase checking and savings accounts in Illinois?
Yes. Both Chase checking and savings accounts opened in Illinois use routing number 071000013 for ACH transactions and direct deposit.
I live in the Chicago area but near the Indiana border. Which routing number do I use?
It depends on where your Chase account was opened — not where you live. If opened at an Illinois branch, use 071000013. If opened at an Indiana branch (including branches in northwest Indiana cities like Gary or Hammond), your routing number is likely 074000010. Verify in the Chase app under account details to confirm which applies to your specific account.
Can I use 071000013 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 Illinois from another state. Is my routing number 071000013?
Only if your Chase account was originally opened in Illinois. Routing numbers are tied to your account’s state of origin, not your current address. If you moved from Indiana, Ohio, Wisconsin, 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 Illinois?
No. Chase business and personal accounts opened in Illinois both use routing number 071000013 for ACH transfers and direct deposit.
Why doesn’t Illinois share its routing number with Indiana or Wisconsin like some other states share numbers?
Illinois has its own dedicated routing number because of Chicago’s historically independent banking infrastructure and its role as the center of the Federal Reserve’s Seventh District. The transaction volume and legacy banking systems tied to Chicago were large enough to warrant a standalone routing number rather than regional grouping with neighboring states.
My employer’s payroll system is rejecting my routing number. What should I do?
First, confirm you’re entering 071000013 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 reject 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 your employer’s payroll cutoff, that paycheck will still arrive via your previous method. Submit changes as early in the pay cycle as possible to avoid a gap.
Bottom Line
The Chase routing number for Illinois is 071000013 for direct deposit, ACH transfers, bill pay, and checks. For domestic wire transfers, use 021000021. For international wires, use SWIFT code CHASUS33.
For Illinois specifically: 071000013 is unique to Illinois and not shared with any neighboring state — so if you’re comparing routing numbers with someone in Indiana or Wisconsin and they don’t match, that’s expected and correct. If you’re in the Chicago metro area and aren’t certain which side of the state line your account was opened on, the Chase app’s account details screen confirms your exact routing number in under a minute.
