The Costly Mistake Behind Chase Routing Numbers: Why One Wrong Digit Freezes Your Funds
By Alexander Ross
When establishing payroll direct deposits, state tax payments, or peer-to-peer linking via ACH, you must match your account to the state where you established your relationship. The table below outlines key state-level ACH transit numbers alongside the universal domestic wire routing code.
| State of Account Origin | Direct Deposit / ACH Routing | Domestic Wire Routing | Clearing Processing Hub |
|---|---|---|---|
| California (Northern & Southern) | 121000247 / 322271627 | 021000021 | San Francisco / Los Angeles |
| New York | 021000021 | 021000021 | New York City Central |
| Texas (Dallas, Houston, Austin) | 111000614 / 111900659 | 021000021 | Dallas Fed District |
| Florida | 067014822 | 021000021 | Atlanta Fed District |
| Illinois | 071000013 | 021000021 | Chicago Fed District |
| Ohio | 044000037 | 021000021 | Cleveland Fed District |
| Washington | 125000105 | 021000021 | Seattle Branch |
| Arizona | 122100024 | 021000021 | Western Fed Network |
If you relocated from Chicago to Dallas but kept your original Chase checking account open, your direct deposit routing number remains tied to Illinois (071000013). Chase does not reassign routing numbers simply because your residential mailing address updates. The origin state of the initial branch application controls your ACH profile forever unless you close and re-establish the account.
Alexander Ross has covered the video game industry for a decade, writing deep dives on game design, esports tournaments, VR developments, and gaming culture.
