You're standing in line, or maybe you're just staring at a flickering cursor on a payroll enrollment screen, and you realize you have no idea what your Nevada Chase Bank routing number actually is. It happens to everyone. You’d think a nine-digit number would be easy to keep track of, but between regional shifts and the way banks merge, things get messy fast.
Getting this wrong isn't just a minor annoyance. If you mess up a routing number for a mortgage payment or a tax refund, you’re looking at weeks of "where is my money?" phone calls that nobody wants to make. Chase is massive. Because they are so big, they don’t just have one single number for the entire country. They break it down by where you opened the account.
The One Number You Probably Need
For the vast majority of personal and business checking accounts opened in the Silver State, the Nevada Chase Bank routing number is 122400724.
Wait.
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Before you copy-paste that and close this tab, there is a catch. Most people assume that if they live in Las Vegas or Reno now, they should use the Nevada number. That’s not how banking works. Your routing number is tied to the state where you originally opened the account. If you moved from Los Angeles to Henderson last year but kept your old account, you are still using a California routing number.
It’s a weird quirk of the American banking system. The routing transit number (RTN) was basically invented by the American Bankers Association back in 1910 to help sort paper checks. Even though we live in a world of instant Venmo transfers and biometric scans, we are still using a system designed for steam engines and leather mailbags.
Why Does Nevada Have Its Own Number?
Chase didn't always dominate the Nevada skyline. They expanded through acquisitions, most notably the purchase of Washington Mutual (WaMu) during the 2008 financial crisis. When Chase swallowed WaMu, they inherited a massive web of routing numbers.
Honestly, the 122400724 number is the backbone of Chase’s operations in Nevada. It identifies the specific "endpoint" for the Federal Reserve’s electronic funds transfer system. When someone sends you a wire or a direct deposit, that number tells the Fed, "Hey, this money belongs in the desert."
Paper Checks vs. Electronic Transfers
Look at the bottom of your checkbook. Seriously, go find it.
You’ll see three sets of numbers. The first one on the left is that nine-digit routing number. The middle one is your account number. The third is the check number.
Sometimes, though, things get weird with wire transfers.
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Chase, like many large institutions, occasionally uses a different routing number for international incoming wires compared to domestic ACH transfers. For a standard direct deposit from your boss or a domestic transfer from a friend, the 122400724 number is your go-to. But if you’re receiving a transfer from an offshore account or a business in Europe, you might need to use Chase’s specialized "Global Routing" instructions. Always double-check with the Chase mobile app under "Account Details" to see if there’s a specific wire-only number listed for your specific branch type.
Common Mistakes That Kill Your Cash Flow
The biggest mistake? Trusting a random image search on Google.
People often see an old blog post from 2014 and assume the numbers haven't changed. While routing numbers are generally stable, bank mergers can occasionally trigger "retirement" of old numbers. If you use a retired number, the transaction might go through for a few months during a grace period, but eventually, it will just bounce.
Another frequent slip-up is confusing the routing number with the swift code.
- Routing Number: 9 digits. Used for domestic (USA) stuff.
- Swift Code: 8 or 11 characters. Used for international stuff.
If you try to put 122400724 into a field asking for a SWIFT/BIC code, the system will error out. Or worse, it won't error out, and your money will go into a digital void for ten business days while the banks "reconcile" the failed transfer.
How to Verify Your Specific Number
If you want to be 100% certain—which you should be if you’re moving a lot of money—there are three foolproof ways to check.
- The Mobile App: Log in, tap on your checking account, and look for "Account Details." It will literally show you the routing number assigned to that specific account. This is the "source of truth."
- The Online Portal: Same deal as the app. Navigate to the "Secure Message Center" or "Account Services" if you can't find it on the main dashboard.
- The Checkbook: As mentioned, it’s the first nine digits on the bottom left.
If you’ve lost your checkbook and can’t get online, you can call Chase customer service, but be prepared for a wait. They’ll ask you a dozen security questions just to tell you a number that is technically public record, but they do it to ensure they’re giving the right number to the right person.
The Nuance of Business Accounts
Business accounts sometimes behave differently. If your company was set up as a "National Account" or through a specialized commercial banking arm, your routing number might be a generic national one rather than the Nevada-specific 122400724.
This is especially true for large corporations that have a presence in Nevada but are headquartered in Delaware or New York. If you’re a small business owner who just walked into a branch on Sahara Ave and opened an account, you’re almost certainly on the Nevada-specific RTN. But if you’re an employee for a huge firm, don't guess. Ask your treasury department.
Making the Move to Nevada
If you just moved to Las Vegas or Reno and you’re still using your out-of-state Chase account, you don't actually have to change it. Your old routing number will keep working forever. However, if you decide to close that account and open a new one locally to "set down roots," your routing number will change.
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Make sure you update:
- Your employer's payroll system.
- Your IRS direct deposit settings.
- Any auto-pay bills (electric, water, internet).
- Your brokerage account links (Schwab, Fidelity, etc.).
Forgetting even one of these can lead to "Late Fee Hell." It’s better to keep both accounts open for a month while the "tail" of your old transactions clears out.
Actionable Next Steps
Don't just take this number and run. Do the "Penny Test" if you’re setting up a major transfer for the first time. Send $1 or $5 to the account using the Nevada Chase Bank routing number and wait for it to clear. Once you see it hit your balance, you know the pipe is connected correctly.
Also, take a screenshot of your routing and account numbers and keep them in a secure, encrypted vault like 1Password or Bitwarden. Hunting for a checkbook at 11:00 PM when you're trying to finish your taxes is a stressor you don't need.
Finally, if you are dealing with a wire transfer specifically, call your local branch or check the "Wire Transfers" section in the Chase Help Center. The rules for domestic ACH and domestic Wires are usually the same for Chase, but for International Wires, you'll almost always need a different set of instructions including their head office address in New York and a SWIFT code.
Double-check. Send a test. Stay liquid.