What Is 031101279? A Guide to This Routing Number

Routing numbers are essential for various banking transactions, including direct deposits, wire transfers, and electOne such routing number, 031101279, belongs to a major U.S. financial institution. In this comprehensive guide, we’ll explore what this routing number represents, ironic payments. ts significance, and how it is used in banking transactions.

What Is a Routing Number?

A routing number (also called an ABA routing transit number) is a nine-digit code used by U.S. banks to identify financial institutions during transactions. Introduced in 1910 by the American Bankers Association (ABA), routing numbers help ensure that money is correctly transferred between accounts.

Key Functions of a Routing Number:

• Direct deposits (payroll, tax refunds, government benefits)

• Automatic bill payments (utilities, loans, subscriptions)

• Wire transfers (domestic and international)

• Check processing (identifying the issuing bank)

Each bank has at least one unique routing number, and larger banks may have multiple routing numbers for different states or transaction types.

Which Bank Uses Routing Number 031101279?

The routing number 031101279 belongs to JPMorgan Chase Bank, N.A., one of the largest banks in the United States.

Details About JPMorgan Chase:

• Headquarters: New York, NY

• Services Offered: Personal banking, business accounts, loans, credit cards, investment services

• Routing Number for Wire Transfers: 021000021 (different from the standard routing number)

This routing number is primarily used for electronic transactions and check processing in certain regions where Chase operates.

Where Can You Find This Routing Number?

If you have a Chase account, you can locate your routing number in several ways:

A. On a Check

The routing number is the first nine-digit sequence at the bottom left of a check.

Example:

• Bottom of Check:

  • 031101279 (Routing Number)

  • Your Account Number

  • Check Number

B. Online Banking

1. Log in to your Chase account.

2. Navigate to the account details section.

3. The routing number is displayed along with your account information.

C. Chase Mobile App

1. Open the Chase app.

2. Select your account.

3. Tap “Show Details” to view the routing number.

D. Bank Statements

Your monthly statements often include the bank’s routing number.

E. Contacting Customer Service

If you can’t find it, call Chase customer service at 1-800-935-9935 for assistance.

How Is Routing Number 031101279 Used?

This routing number facilitates several types of transactions:

A. Direct Deposits

• Employers use it to deposit salaries.

• Government agencies use it for tax refunds or Social Security payments.

B. Automatic Payments

• Utility companies, loan providers, and subscription services withdraw funds using this number.

C. Check Processing

• When you write a check, the routing number ensures funds are drawn from the correct bank.

D. ACH Transfers

• Used for peer-to-peer payments (e.g., Zelle, Venmo) and bank-to-bank transfers.

Is 031101279 Used for Domestic and International Transfers?

• Domestic Transfers: Yes, this routing number is used for U.S.-based transactions.

• International Wire Transfers: No, Chase uses a different routing number (021000021) for international wires.

How to Send an International Wire with Chase:

1. Provide the recipient’s bank details (SWIFT/BIC code, account number).

2. Use Chase’s wire transfer routing number: 021000021.

3. Confirm fees and processing times (usually 1-3 business days).

Are There Different Routing Numbers for the Same Bank?

Yes, large banks like Chase have multiple routing numbers based on:

• Geographic Location: Different states may have unique routing numbers.

• Transaction Type: Wire transfers use a different routing number than ACH transfers.

Chase Routing Numbers by State (Examples):

Always verify the correct routing number for your specific account.

How to Verify the Correct Routing Number

Using the wrong routing number can delay or reject transactions. Verify it through:

✅ Chase’s official website
✅ Your checkbook
✅ Online/mobile banking
✅ Customer service

Never rely on third-party websites, as routing numbers may change.

Common Issues with Routing Numbers

A. Incorrect Routing Number

• Problem: Money sent to the wrong bank.

• Solution: Double-check before submitting.

B. Outdated Routing Number

• Problem: Banks occasionally update routing numbers.

• Solution: Always use the latest number from Chase.

C. Rejected Transactions

• Problem: Mismatched account and routing numbers.

• Solution: Confirm both details with your bank.

D. Delayed Deposits

• Problem: Wrong routing number slows processing.

• Solution: Contact Chase if funds don’t arrive in 1-3 business days.

Conclusion

The routing number 031101279 is assigned to JPMorgan Chase Bank and is used for electronic transactions, direct deposits, and check processing. Always verify the correct routing number based on your location and transaction type to avoid delays.

Key Takeaways:

✔ 031101279 = Chase Bank’s routing number for ACH and checks.
✔ Wire transfers use a different routing number (021000021).
✔ Find your routing number on checks, online banking, or the Chase app.
✔ Using the wrong number can cause payment failures—always verify!

For further assistance, contact Chase customer support or visit a local branch.