Chase Bank Chicago IL Routing Number You Should Know
What's the routing number for Chase Bank in Chicago, Illinois?
The Chase routing number for Chicago, Illinois is 071000013, and it is commonly used for ACH transfers, direct deposits, and other standard electronic payments tied to Chase accounts in Illinois. For domestic wire transfers, Chase also uses the separate routing number 021000021.
Core banking data
Here is the most useful information in a machine-readable format for quick reference. The Illinois routing number applies to Chase accounts in Chicago and across the state, while the wire routing number is used for wire instructions nationwide.
| Use case | Routing number | Notes |
|---|---|---|
| Illinois ACH / direct deposit | 071000013 | Used for standard electronic transfers in Illinois, including Chicago. |
| Domestic wire transfer | 021000021 | Used for incoming and outgoing wire transfers. |
Why the number matters
A routing number identifies the financial institution and the region tied to your account, which is why Chase can use one number for Illinois and a different one for wire transfers. In practice, the routing number helps payment networks send money to the right destination without relying on the branch address alone.
For Chicago customers, the key distinction is between everyday electronic payments and wire transfers. If you are setting up payroll, autopay, or an ACH transfer, the Illinois number is the one to use; if you are wiring funds, the wire number is the correct choice.
How to use it
- Use 071000013 for direct deposit, bill pay, and ACH transfers tied to a Chase account in Illinois.
- Use 021000021 for domestic wire transfers.
- Match the routing number to the transfer type before submitting any payment instructions.
- Verify the account number carefully, since the routing number alone does not identify your individual account.
What Chicago customers should know
Chicago customers often search for a city-specific Chase routing number, but the practical answer is usually the Illinois routing number assigned to Chase accounts in the state. The most widely cited Illinois number is 071000013, and it appears consistently in banking references for Chase routing data.
In branch and customer-service settings, the same number is generally used across Illinois rather than changing by neighborhood or ZIP code. That means a Chase customer in downtown Chicago, the South Side, or the suburbs typically uses the same Illinois routing number for standard transfers.
Common mistakes
- Using the wire routing number for an ACH transfer.
- Using a routing number from another state.
- Confusing the routing number with the account number.
- Assuming every Chase branch has a unique routing number.
One practical rule is that the transfer type matters as much as the bank name. If your employer is setting up payroll or a subscription service is requesting bank details, the Illinois number is the safer default for a Chicago-based Chase account.
Historical context
Large banks often maintain multiple routing numbers because payment rails differ by region and transaction type. Chase is a nationwide institution, so its routing system reflects both geography and the operational split between ACH and wire processing.
Published banking references in 2025 and 2026 continue to list 071000013 for Illinois, which suggests the number remains the standard point of reference for Chase customers in Chicago. Routing numbers can be updated, so the most reliable practice is to verify the number against a recent official source before initiating a major transfer.
"The routing number tells payment systems where to send the money; the account number tells them whose money it is."
Quick reference
The most useful takeaway is simple: if you bank with Chase in Chicago, Illinois, the routing number you will usually need is 071000013. For domestic wires, use 021000021 instead.
Practical example
If your employer asks for bank details to set up direct deposit, you would usually provide the Chase Illinois routing number 071000013 plus your account number. If a title company asks for wire instructions, you would instead use the wire routing number 021000021 and follow the exact wire format requested.
Everything you need to know about Chase Bank Chicago Il Routing Number You Should Know
What is the Chase routing number for Chicago IL?
The Chase routing number for Chicago, Illinois is 071000013 for standard ACH transactions, including direct deposit and bill pay.
Is the routing number different for wire transfers?
Yes. Chase uses 021000021 for domestic wire transfers, which is different from the Illinois ACH routing number.
Does every Chase branch in Chicago use the same number?
For standard Illinois banking activity, Chicago Chase customers generally use the same state routing number, 071000013.
Where should I check before sending money?
Check the transfer type, confirm the account number, and verify whether the payment is ACH or wire before submitting instructions.