Chase Routing Number for Ohio

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

Quick Answer

The Chase routing number for Ohio is 044000037. 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.

Ohio Chase customers have one routing number issue that comes up more than any other: 044000037 is also the routing number for North Dakota — and 021000021, which is Chase’s domestic wire number, is also the ACH routing number for New York. If you’ve ever searched “Chase routing number” without specifying Ohio and landed on 021000021, that number is wrong for Ohio ACH transactions. It only applies to wire transfers, regardless of what state you’re in.

What Is the Chase Routing Number for Ohio?

The routing number for Chase accounts opened in Ohio is 044000037. This applies statewide — whether your account was opened in Columbus, Cleveland, Cincinnati, Dayton, Toledo, Akron, Canton, or anywhere else in the state.

This 9-digit number is your bank’s identifier within the U.S. payment network. When a payroll system, the IRS, or another bank needs to send money to your Chase account, the routing number tells the network which institution to direct the funds through — before your account number routes them to you specifically.

When Ohio Customers Use This Routing Number

You’ll need 044000037 any time you’re connecting an electronic payment or deposit to your Ohio-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 Ohio or commute across state lines into Kentucky, Indiana, Michigan, or Pennsylvania.
• Federal and state government deposits: IRS tax refunds, Social Security, veterans benefits, unemployment, and Ohio state tax refunds.
• ACH transfers between banks: Moving money between your Chase account and an account at 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 that pull 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 044000037 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 longer or shorter, you’re in the wrong field. Most payroll systems validate routing numbers automatically and will flag an invalid entry — but submitting the wrong valid number (one that belongs to a different bank or state) is a harder mistake to catch, so always confirm before hitting submit.

New direct deposit setups typically take one to two pay cycles to activate. Changes submitted after your employer’s payroll cutoff date will likely take effect the following cycle. Plan accordingly so you don’t end up waiting on a paper check when you expected a direct deposit.

Linking Chase to PayPal, Venmo, or Cash App

When adding your Chase account to a payment app, you’ll either enter your routing and account number manually or connect instantly using your Chase login. If linking manually, use 044000037.

One thing to watch: some apps auto-fill the routing number when you select “Chase” from a bank list. For Ohio accounts this is usually fine, but if the app populates anything other than 044000037, override it. This matters especially if you’re in the Cincinnati area — apps sometimes pull the Kentucky number (083000137) for users near the state line.

The most reliable linking method is micro-deposit verification: the app sends two small test deposits (usually under $0.50 each) to your Chase account within 1–2 business days, and you confirm the exact amounts in the app. It takes a little longer but eliminates routing number errors completely.

ACH Transfers Between Banks

If you’re moving money between Chase and another financial institution — transferring funds into an Ally savings account, pulling money from a local Ohio credit union, or funding a brokerage — whichever bank you’re initiating from will ask for Chase’s routing number and your account number. Use 044000037 for the routing number.

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 institutions offer same-day ACH for a small fee when timing is critical. See how ACH payments are processed for a full breakdown of the timeline.

Ordering or Verifying Checks

When reordering checks through Chase or a third-party printer, confirm the routing number shown in the order preview is 044000037 before submitting. Checks printed with the wrong routing number come back unpaid, which triggers returned-check fees and can complicate rent payments, business transactions, or any situation where a bounced check carries consequences beyond just the inconvenience.

Receiving Government Payments and Tax Refunds

When filing your federal or Ohio state tax return, you’ll be asked for your routing number and account number to receive a direct deposit refund. Use 044000037. This is also the number to provide when enrolling for Social Security direct deposit, veterans benefits, or other recurring government payments through GoDirect or your agency’s enrollment form. Errors here tend to cause longer delays than most other transaction types because government payment systems can take additional cycles to reprocess returned deposits.

Wire Transfers: Use a Different Number

Wire transfers move through the Fedwire network, not ACH, and require a separate routing number. Using 044000037 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

It’s worth repeating: 021000021 is Chase’s domestic wire routing number for all states, and it also happens to be the ACH routing number for New York Chase accounts. Ohio customers should only use 021000021 when specifically initiating a wire transfer — not for direct deposit or standard ACH.

Wires are typically processed same-day if sent before Chase’s cutoff time, but they 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 of both payment types, see ACH vs wire transfers explained.

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

Ohio borders five states, and Chase operates in all of them — each with its own routing number. This creates real confusion for people who’ve moved, who bank near a state line, or who opened their account somewhere other than where they currently live.

The reason goes back to the Federal Reserve’s regional district structure, established in the early 1900s. Banks were assigned routing numbers based on which district they operated in, and those numbers stayed in place even as banks grew and merged across state lines. Chase inherited routing numbers from dozens of regional banks over the decades, which is why it still operates with state-specific ACH numbers today.

The practical result for Ohio customers:

• Opened your Chase account in Ohio: Your routing number is 044000037, regardless of where you live now.
• Live in Cincinnati but opened your account in northern Kentucky: Your routing number is likely 083000137 (Kentucky), not the Ohio number. This is one of the most common routing number mix-ups in the country given how closely the two cities are linked.
• Moved to Ohio from Michigan, Pennsylvania, Indiana, or another state: Your routing number still reflects your account’s state of origin. It doesn’t update when you change your address.
• Have accounts in multiple states: Each account’s routing number reflects where that specific account was opened. You may legitimately use different routing numbers for different accounts.

The only way to get an Ohio routing number is to open a Chase account at an Ohio branch. The Chase mobile app is the fastest way to confirm which number applies to your specific account — the verification steps are in the next section.

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 both 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 doesn’t require logging into anything.

Call Chase

If you don’t have the app 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 direct deposit or ACH. This is Chase’s wire routing number — not the Ohio ACH number. It will cause your direct deposit to fail or be returned.
• Using a Kentucky or Indiana number for an Ohio account. If you live near Cincinnati or work across state lines, double-check that the routing number you’re using is tied to your Ohio account specifically — not a neighbor’s or coworker’s account in a different state.
• Assuming your routing number updated when you moved to Ohio. It doesn’t. Your routing number follows your account’s origin state, not your current address.
• 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 — no formatting.

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. Nothing is permanently lost, but there’s a delay — and depending on your employer or biller, you may need to resubmit forms and wait another 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 process adds extra business days and can 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 wrong 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 the process can take weeks. If this happens, contact Chase immediately and document everything — the date, the amount, and any confirmation numbers from the transaction.

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

Ohio vs. Bordering States: Routing Number Comparison

Ohio borders five states, and every one of them uses a different Chase routing number. If you live near a border, have moved recently, or hold accounts in more than one state, this table is worth bookmarking:

State	Chase ACH Routing Number
Ohio	044000037
Kentucky	083000137
Indiana	074000010
Michigan	072000326
Pennsylvania	021202337
West Virginia	051900366

Note: Pennsylvania shares its routing number with New Jersey and Delaware. All other states bordering Ohio use different numbers. Always verify your specific account in the Chase app — especially if you live near a state line or your account was opened outside Ohio.

More Chase Routing Number Guides

• Browse all Chase routing numbers by state
• Chase routing number for Kentucky
• Chase routing number for Indiana
• Chase routing number for Michigan
• Chase routing number for Pennsylvania

Frequently Asked Questions

What is the Chase routing number for Ohio?

The Chase routing number for Ohio is 044000037. Use this for direct deposit, ACH transfers, bill pay, and paper checks.

Is 044000037 correct for both checking and savings accounts in Ohio?

Yes. Both Chase checking and savings accounts opened in Ohio use routing number 044000037 for ACH transactions and direct deposit.

Why can’t I use 021000021 for my Ohio direct deposit?

021000021 is Chase’s domestic wire routing number — it’s not the ACH routing number for Ohio accounts. Using it for direct deposit or ACH will result in a rejected or returned transaction. The correct Ohio ACH number is 044000037.

I live in Cincinnati near the Kentucky border. Which routing number do I use?

It depends on where your Chase account was opened — not where you live. If your account was opened at an Ohio branch, use 044000037. If it was opened in Kentucky, your routing number is likely 083000137. Open the Chase app, tap your account, and select “Show full account number” to confirm which number applies to you.

I moved to Ohio from another state. Is my routing number 044000037?

Only if your Chase account was originally opened in Ohio. Routing numbers are tied to the account’s state of origin, not your current address. If you opened your account in Kentucky, Michigan, Pennsylvania, Indiana, or any other state, your routing number still reflects where it was opened. Verify in the Chase mobile app to be sure.

Can I use 044000037 for a wire transfer?

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

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

No. Chase business and personal accounts opened in Ohio both use routing number 044000037 for ACH transfers and direct deposit.

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

First, confirm you’re entering 044000037 as exactly 9 digits with no spaces, dashes, or extra characters. If it’s still being rejected, verify the number in the Chase app or on a check, then ask your HR or payroll team to enter it manually. Some legacy payroll systems have formatting quirks that reject otherwise valid routing numbers on the first entry attempt.

Can Chase routing numbers change over time?

Routing numbers rarely change, but they can after major bank mergers or system migrations. If you haven’t verified your routing number recently and are setting up a new deposit or transfer, it’s worth confirming in the Chase app before submitting — particularly if your account is older and was originally held at a bank Chase acquired.

Bottom Line

The Chase routing number for Ohio is 044000037 for direct deposit, ACH transfers, bill pay, and checks. For domestic wire transfers, use 021000021. For international wires, use SWIFT code CHASUS33.

For Ohio specifically, the two things most worth remembering: don’t use 021000021 for anything other than a wire transfer, and if you’re near the Kentucky or Indiana border, make sure the routing number you’re using is tied to your Ohio account and not one opened across the state line. The Chase app’s account details screen settles both questions in under a minute.