Chase Routing Number for New York

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

Quick Answer

New York is the only state in this guide where Chase uses two different ACH routing numbers. Which one applies to you depends on where your account was opened:

• New York City, Long Island (Nassau and Suffolk Counties), and Westchester County: 021000021
• All other parts of New York State (upstate): 022300173

For domestic wire transfers, use 021000021 regardless of which part of New York your account is from. For international wires, the SWIFT code is CHASUS33.

The most important thing to flag immediately: 021000021 does double duty. It’s the ACH routing number for downstate New York accounts and Chase’s domestic wire routing number for all 50 states. This is the single biggest source of routing number confusion Chase customers encounter — nationwide, not just in New York. If you’re outside New York and someone tells you to use 021000021 for direct deposit, they’re giving you the wire number by mistake.

Why New York Has Two Chase Routing Numbers

New York is unique in this series because it’s the only state where Chase maintains two separate ACH routing numbers for different regions. The reason goes back to Chase’s origins.

Chase Manhattan Bank — the direct predecessor to today’s JPMorgan Chase — was headquartered in New York City and was one of the largest banks in the world by the mid-20th century. Its routing number, 021000021, is effectively the original Chase number, tied to the Federal Reserve’s Second District processing center in New York City. That number has been in continuous use for decades and remains the ACH routing number for downstate accounts today.

Upstate New York had a separate banking ecosystem — different regional banks, different processing centers, different Federal Reserve arrangements. When Chase expanded upstate through branch openings and acquisitions, those accounts were assigned 022300173, which remains the upstate routing number today.

The result: two routing numbers for one state, split by geography, with the boundary falling along county lines rather than a simple north/south divide.

The Downstate / Upstate Boundary — Exactly Where It Falls

The “downstate” region for Chase routing purposes includes:

• New York City (all five boroughs: Manhattan, Brooklyn, Queens, The Bronx, Staten Island)
• Long Island: Nassau County and Suffolk County
• Westchester County

If your Chase account was opened at a branch in any of these areas, your routing number is 021000021.

Everything else in New York State is considered upstate for routing purposes — Albany, Buffalo, Rochester, Syracuse, Yonkers (outside Westchester), the Hudson Valley, the Catskills, the Adirondacks, and so on. If your account was opened anywhere in upstate New York, your routing number is 022300173.

If you’re uncertain which region your branch falls in, the Chase mobile app is the definitive answer — it shows your exact routing number under account details regardless of where you are now or where you think the branch was located.

The 021000021 Double-Duty Problem

This deserves its own section because it causes more confusion than any other routing number issue in the Chase system.

021000021 serves two completely separate functions:

• As an ACH routing number: It’s the correct number for direct deposit, ACH transfers, and checks for Chase accounts opened in downstate New York.
• As a wire routing number: It’s the correct number for domestic wire transfers for Chase accounts in every state — New York, Texas, California, Florida, Ohio, and everywhere else.

This creates several real problems:

For non-New York Chase customers: If you search “Chase routing number” and land on a page that shows 021000021 without context, you may assume it applies to your state for direct deposit. It doesn’t — unless you’re in downstate New York. For everyone else, 021000021 is wires only.

For downstate New York customers: When your employer asks for your routing number and account number, you give them 021000021 — which is correct. But if someone later asks for your “wire routing number,” it’s the same number. This is fine and correct, but it can feel wrong when you’re used to other states having separate numbers for ACH and wire.

For upstate New York customers: Your ACH routing number is 022300173. Your wire routing number is 021000021. These are different numbers — don’t use 022300173 for a wire, and don’t use 021000021 for your direct deposit unless you’re downstate.

When New York Customers Use These Routing Numbers

You’ll need your New York routing number any time you’re electronically connecting a payment or deposit to your Chase account. The most common situations:

• Employer payroll / direct deposit: When HR asks for your bank details. Use 021000021 (downstate) or 022300173 (upstate).
• Federal and state government deposits: IRS tax refunds, Social Security, veterans benefits, unemployment, and New York state tax refunds.
• ACH transfers between banks: Moving money between Chase 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 and will reflect either 021000021 or 022300173 depending on where your account was opened.

Real-World Examples

Setting Up Direct Deposit in New York

Your employer’s payroll form or portal will ask for your routing number and account number separately. Enter 021000021 if your account was opened downstate, or 022300173 if it was opened upstate. Your account number is the longer string of digits at the bottom of your check, typically 10–12 digits.

New York City employers — particularly larger companies, financial firms, and government agencies — are very familiar with 021000021 and process it without issue. If you work for an upstate employer and provide 022300173, some older payroll systems may flag it as unfamiliar and require manual entry. This is normal — ask your HR team to enter it manually if the system rejects it on the first attempt.

Linking Chase to PayPal, Venmo, or Cash App

When adding your Chase account to a payment app, link manually using your routing number and account number, or verify instantly via your Chase login. If linking manually, use 021000021 (downstate) or 022300173 (upstate).

New York City accounts are so common in these apps that auto-fill almost always works correctly for downstate users. Upstate users should verify what populates — some apps default to 021000021 for all New York accounts regardless of region, which would be incorrect for upstate accounts used for ACH.

Micro-deposit verification remains the most reliable method: the app sends two small test deposits to your Chase account, you confirm the amounts, and the link is complete — no routing number entry required.

ACH Transfers Between Banks

When moving money between Chase and another institution, the outside bank will ask for Chase’s routing number and your account number. Use 021000021 (downstate) or 022300173 (upstate). Standard ACH transfers settle in 1–3 business days. See how ACH payments are processed for a full timeline.

Ordering or Verifying Checks

When reordering checks through Chase or a third-party printer, the routing number is pre-printed based on your account. Verify the number shown matches what the Chase app shows for your account before confirming the order. For NYC accounts, that’s 021000021. For upstate accounts, it’s 022300173. Checks printed with the wrong number are returned unpaid.

Wire Transfers From Any New York Chase Account

Both downstate and upstate New York Chase customers use 021000021 for domestic wire transfers — the same number downstate customers use for ACH. For upstate customers specifically: your ACH number (022300173) and your wire number (021000021) are different. Don’t use 022300173 for a wire transfer. For international wires from any Chase account in New York, use SWIFT code CHASUS33. See ACH vs wire transfers explained for a full comparison.

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. The number shown is definitive — it reflects whether your account is downstate or upstate regardless of what you assume.

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 — it will show either 021000021 or 022300173 depending on your account’s region. The longer number to the right is your account number, and the number at the far right is the check number.

Call Chase

Call the number on the back of your Chase debit card. After verifying your identity, a representative can confirm which routing number is tied to your specific account.

Common Mistakes to Avoid

• Using 021000021 for upstate ACH or direct deposit. If your account was opened upstate, 021000021 is your wire number only. Using it for direct deposit will result in a rejected transaction. Your ACH number is 022300173.
• Using 022300173 for a wire transfer. Upstate customers: your wire number is 021000021, not your ACH number. These are two different numbers and they are not interchangeable.
• Assuming all New York Chase accounts use 021000021. This is one of the most common errors. 021000021 is correct for downstate ACH — but not for upstate ACH. The assumption that “Chase’s main number” works everywhere in New York causes rejected deposits regularly.
• Confusing your routing number and account number. Both appear at the bottom of a check. The routing number is always 9 digits. Your account number is longer.
• Apps auto-filling 021000021 for upstate accounts. Many apps default to the NYC number for all New York accounts. If you’re upstate and an app auto-fills 021000021 for your bank link, override it with 022300173.
• Assuming your routing number is 021000021 because it’s also the wire number. This logic only holds for downstate accounts. The fact that 021000021 is Chase’s wire number nationwide does not mean it’s the correct ACH number for all Chase customers.

What Happens If You Enter the Wrong Routing Number

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

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. No money is lost, but there’s a delay and you may need to resubmit forms and wait another payroll 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 can trigger a returned-item fee.

If an upstate customer uses 021000021 for ACH: Because 021000021 is a real, valid Chase routing number, the transaction may not be immediately rejected. Instead it may be routed through Chase’s downstate processing system — which, for an upstate account, means it may be returned or require manual correction. This specific scenario can take longer to resolve than a straightforward rejection because the routing number isn’t technically wrong, just wrong for that account.

If the routing number is correct but the account number is wrong: The most serious scenario. If the incorrect account number matches a real Chase account belonging to someone else, funds can deposit there. 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.

See typical bank transfer timelines for context on what’s normal versus what warrants a call to Chase.

New York vs. Neighboring States: Routing Number Comparison

New York borders six states, and the routing number picture is complicated by the fact that New York itself has two numbers. Here’s how the region looks:

State / Region	Chase ACH Routing Number
New York — Downstate (NYC, Long Island, Westchester)	021000021
New York — Upstate	022300173
New Jersey	021202337
Connecticut	021100361
Pennsylvania	021202337
Vermont	011600033
Massachusetts	011000138

Note: New Jersey and Pennsylvania share a routing number. New York is the only state in the region — or in this entire guide — with two different Chase ACH numbers. Always verify your specific account in the Chase app rather than assuming based on your current location.

More Chase Routing Number Guides

• Browse all Chase routing numbers by state
• Chase routing number for New Jersey
• Chase routing number for Connecticut
• Chase routing number for Florida
• Chase routing number for Ohio

Frequently Asked Questions

What is the Chase routing number for New York?

Chase uses two routing numbers in New York. Accounts opened in New York City, Long Island (Nassau and Suffolk Counties), and Westchester County use 021000021. Accounts opened anywhere else in New York State use 022300173. Verify which applies to your account in the Chase mobile app.

Why does New York have two Chase routing numbers when other states only have one?

New York’s banking history is more complex than most states. Chase’s roots are in New York City — the original Chase Manhattan Bank routing number (021000021) has been in use for decades. Upstate New York had a separate banking infrastructure, and accounts opened there were assigned a different routing number (022300173) that reflects those legacy regional systems.

Is 021000021 the routing number for all Chase accounts everywhere?

No — but this is the most common misconception in the entire Chase routing number system. 021000021 is the ACH routing number only for Chase accounts opened in downstate New York. For every other state, it’s the domestic wire routing number only. Using 021000021 for direct deposit if your account is from Ohio, Texas, Florida, or any other state will result in a rejected transaction.

I have an upstate New York Chase account. What numbers do I use for ACH vs wires?

Use 022300173 for direct deposit, ACH transfers, bill pay, and checks. Use 021000021 for domestic wire transfers. These are two different numbers and are not interchangeable for upstate accounts.

I live in Westchester County. Am I downstate or upstate for Chase routing purposes?

Westchester County is downstate for Chase routing purposes. If your account was opened at a Westchester Chase branch, your routing number is 021000021. Verify in the Chase app to confirm.

I moved from upstate New York to New York City. Did my routing number change?

No. Routing numbers are tied to where your account was opened, not your current address. If your account was opened upstate, your routing number is still 022300173 even if you now live in Manhattan. Changing your address with Chase does not change your routing number.

Is 022300173 used for wire transfers?

No. Wire transfers use 021000021, regardless of whether your Chase account is downstate or upstate New York. Using 022300173 for a wire will cause the transfer to fail.

Does Chase use different routing numbers for business accounts in New York?

No. Chase business and personal accounts in New York follow the same regional split — downstate accounts use 021000021 for ACH, upstate accounts use 022300173. The division is based on where the account was opened, not the account type.

My employer’s payroll system keeps populating 021000021 for my upstate account. What should I do?

This is a common issue. Many payroll systems recognize “Chase” and auto-fill 021000021 because it’s the most widely known Chase routing number. Ask your HR or payroll team to manually override it with 022300173 for your upstate account. If the system won’t accept it, escalate to payroll — the number is valid and should process correctly once entered manually.

Bottom Line

Chase uses two routing numbers in New York: 021000021 for accounts opened in New York City, Long Island, and Westchester County, and 022300173 for accounts opened anywhere else in the state. For domestic wire transfers, all New York Chase customers use 021000021. For international wires, use SWIFT code CHASUS33.

New York is the most complex routing number situation in the Chase system — one number serves as both a regional ACH number and the nationwide wire number, while a second number handles the rest of the state. If there’s any doubt about which number applies to your account, the Chase app’s account details screen is the definitive answer and takes under a minute to check.