Do you need to move money to Chase Bank, whether it's from another bank, a family member, or even your own savings? You're in the right place! Transferring funds can seem a little daunting at first, but with the right guidance, it's a smooth and straightforward process. Let's get you started!
How to Transfer to Chase Bank: A Comprehensive Guide
There are several ways to transfer money to Chase Bank, each suited to different situations. We'll cover the most common methods with step-by-step instructions.
Step 1: Identify Your Transfer Needs
Before we dive into the "how-to," let's figure out what kind of transfer you need to make. This will determine the best method for you.
Are you transferring money from your own account at another bank to your Chase account? This is a common scenario for consolidating funds or funding a new Chase account.
Are you receiving money from someone else who banks elsewhere, and they want to send it to your Chase account? This could be a friend, family member, or even a payment from a client.
Are you looking to send money from your Chase account to someone else's Chase account, or to their account at another bank? (While the title focuses on transferring to Chase, understanding the outward flow is helpful for context).
Is it a large sum of money, or a smaller, more frequent transfer? This can impact the method you choose due to transfer limits and fees.
How quickly do you need the money to arrive? Different methods have different processing times.
Once you have a clearer idea of your specific situation, let's move on!
Step 2: Gather Necessary Information
Regardless of the transfer method, having the correct information is crucial to ensure your money goes to the right place.
2.1: For Transfers to Your Chase Account (from another bank)
You will generally need:
Your Chase Bank Account Number: This is the specific number for the Chase checking or savings account where you want the money to go. You can find this on your checks, bank statements, or by logging into your Chase online banking or mobile app.
Chase Bank Routing Number: This nine-digit code identifies Chase Bank. Chase has various routing numbers depending on the state where your account was opened or for specific types of transfers (like wire transfers).
To find your routing number:
On a Check: It's typically the first nine-digit number at the bottom left of your checks.
Online Banking/Mobile App: Log in to your Chase account, and the routing number is usually displayed with your account details.
Chase Website: You can find a comprehensive list of Chase routing numbers by state on Chase's official website or through a quick online search (e.g., "Chase routing number [your state]").
Important Note: The routing number for ACH (Automated Clearing House) transfers might be different from the routing number used for wire transfers. Double-check for the specific type of transfer you're making.
Your Current Bank's Account Number and Routing Number: If you're initiating the transfer from your other bank's platform, you'll also need these details for your originating account.
2.2: For Receiving International Wire Transfers to Your Chase Account
In addition to your Chase account number and a specific Chase routing number for wire transfers, the sender will need:
Chase Bank SWIFT/BIC Code: This is an international bank identifier code (Society for Worldwide Interbank Financial Telecommunication / Bank Identifier Code). For Chase, the general SWIFT code is CHASUS33XXX.
While the general code often works, some branches might have specific SWIFT codes. If in doubt, always verify with Chase or the sender's bank.
Chase Bank's Full Name and Address:
Bank Name: JPMORGAN CHASE BANK, N.A.
Address: 383 Madison Avenue, New York, NY 10179, USA (This is the main address; specific branch addresses might also be used).
Your Full Name and Address (as it appears on your Chase account).
Step 3: Choose Your Transfer Method
Now that you have the necessary information, let's explore the different ways to transfer money to Chase.
3.1: Online Bank-to-Bank Transfer (ACH Transfer)
This is the most common and often free method for transferring money between your own accounts at different banks.
Sub-heading: Initiating the Transfer from Your Other Bank
Log In: Sign in to your online banking portal or mobile app for the bank you're transferring money FROM.
Find Transfer Option: Look for a "Transfers," "Move Money," or "External Transfers" section.
Add External Account: You'll typically need to add Chase Bank as an "external account." This usually involves providing:
Chase's routing number.
Your Chase account number.
The type of Chase account (checking or savings).
The account holder's name (your name).
Verify Account (Trial Deposits): For security, many banks will send two small trial deposits (e.g., $0.15 and $0.23) and one withdrawal for the total of those deposits to your Chase account. You'll then need to verify these amounts in your originating bank's online platform to confirm you own the Chase account. This process can take 1-3 business days. Some banks offer instant verification by logging into your Chase account directly through their platform.
Schedule Transfer: Once the account is linked and verified, you can initiate a one-time or recurring transfer, specifying the amount and the date.
Processing Time: Typically 2-3 business days.
Cost: Often free.
Sub-heading: Initiating the Transfer from Your Chase Account (Pulling Funds)
Log In: Sign in to your Chase online banking account or the Chase Mobile® app.
Navigate to Transfers: Go to the "Pay & Transfer" tab.
Select "External Accounts" or "Transfer Money": Choose the option that allows you to link external accounts.
Add External Account: Select "Add external account." You will be prompted to enter the routing and account numbers from your other bank account.
Verify Account: Chase may use instant verification if your other bank allows it (by logging in with your username and password for that bank). If not, they may send two small trial deposits and one withdrawal to your external account, which you'll need to verify on the Chase platform. This manual verification can take 2-3 business days.
Schedule Transfer: Once verified, you can schedule your transfer from your linked external account to your Chase account.
Processing Time: Typically 2-3 business days.
Cost: Chase does not typically charge a fee for external ACH transfers, but your other bank might. It's always wise to check with your other bank.
3.2: Wire Transfer
Wire transfers are faster but generally more expensive. They are ideal for large sums of money or time-sensitive transactions.
Sub-heading: Sending a Wire Transfer to Chase (from another bank)
Gather Information: You'll need your Chase account number, the correct Chase routing number for domestic wire transfers (which is 021000021 for most domestic wires to Chase), and the bank's full name and address (JPMORGAN CHASE BANK, N.A., 383 Madison Avenue, New York, NY 10179). For international wires, you'll also need the SWIFT code (CHASUS33XXX).
Initiate Wire: You can usually send a wire transfer through:
Your Current Bank's Online Portal: Many banks offer online wire transfer services.
Visiting a Branch: Go to your current bank's physical branch.
Calling Your Bank: Some banks allow wire transfers over the phone.
Provide Details: Carefully provide all the recipient details for your Chase account. Double-check everything, as wire transfers are difficult to reverse.
Processing Time: Domestic wires often arrive within the same business day if initiated before the cutoff time (typically early afternoon). International wires can take 2-5 business days.
Cost: Fees vary widely by bank and whether it's a domestic or international wire. Expect fees ranging from $15 to $50 or more. Your sending bank will charge you this fee.
Sub-heading: Receiving a Wire Transfer into Your Chase Account If someone is sending you a wire transfer to your Chase account, you'll need to provide them with the following information:
Your full name and address (as it appears on your Chase account).
Your Chase Bank account number.
The Chase Bank wire routing number (for domestic wires: 021000021).
The Chase Bank SWIFT/BIC code (for international wires: CHASUS33XXX).
Chase Bank's full name: JPMORGAN CHASE BANK, N.A.
Chase Bank's address: 383 Madison Avenue, New York, NY 10179, USA.
Receiving Fee: Chase generally charges a fee for incoming domestic and international wire transfers (e.g., $15). This fee might be waived if the transfer originates from another Chase account.
3.3: Zelle®
Zelle® is a fast and free way to send and receive money directly between bank accounts, typically within minutes. It's ideal for smaller, person-to-person transfers.
Sub-heading: Using Zelle® to Receive Money to Chase
Enroll in Zelle® with Chase: If you haven't already, enroll in Zelle® through your Chase Mobile® app or Chase Online. You'll typically link your Chase checking account to your email address or U.S. mobile number.
Provide Your Zelle® Info: Give the sender your enrolled email address or U.S. mobile number.
Sender Initiates: The sender will then initiate the Zelle® transfer from their bank's online banking or mobile app, using your enrolled email or phone number.
Processing Time: Funds are usually available in minutes, especially if both parties are already enrolled with Zelle®.
Cost: Free for both sender and receiver.
Limits: Zelle® has daily and weekly limits, which vary by bank. Chase's limits will depend on your account type. It's generally not recommended for very large transfers.
3.4: Depositing Checks via Chase Mobile® App (Chase QuickDeposit℠)
While not a direct transfer from another bank account, if you have a check from another bank, you can deposit it into your Chase account using their mobile app.
Sub-heading: How to Use Chase QuickDeposit℠
Endorse the Check: Sign the back of the check and, for mobile deposits, often write "For Chase Mobile Deposit Only."
Open Chase Mobile® App: Log in to the app on your smartphone or tablet.
Select Deposit: Look for the "Deposit" or "Deposit Checks" option.
Take Photos: Follow the on-screen instructions to take clear photos of the front and back of the endorsed check.
Enter Amount: Input the exact amount of the check.
Confirm: Review the details and confirm the deposit.
Processing Time: Funds may be available by the next business day, but subject to Chase's deposit limits and holds.
Cost: Free.
Step 4: Confirm Your Transfer
After initiating any transfer, it's a good practice to:
Check Your Chase Account: Log into your Chase online banking or mobile app to confirm that the funds have arrived.
Save Confirmation Numbers: Keep any confirmation numbers or reference IDs provided during the transfer process.
Monitor for Fees: Be aware of any fees that may have been charged by either your sending bank or Chase for the transaction.
Important Considerations for All Transfers
Transfer Limits: Each bank and transfer method has its own daily, weekly, or monthly transfer limits. Chase dynamically determines limits for external transfers, and these will be displayed when you set up the transfer. For large transfers, you might need to contact Chase or your other bank to request a temporary increase.
Verification: For security, linking external accounts often requires a verification process, such as trial deposits. Be patient with this step, as it ensures your money's safety.
Accuracy is Key: Always double-check account numbers, routing numbers, and recipient names. A single digit error can send your money to the wrong place, and reversing transfers can be difficult or impossible.
Business Days: Remember that bank transfers typically only process on business days. Weekends and holidays will delay transfers.
Security: Always use secure internet connections and be wary of phishing attempts when dealing with your banking information.
Frequently Asked Questions (FAQs)
How to Find My Chase Account Number?
You can typically find your Chase account number on your checks (usually the middle set of numbers at the bottom), on your monthly bank statements, or by logging into your Chase online banking or mobile app and navigating to your account details.
How to Find Chase Bank's Routing Number?
Chase Bank's routing number can be found on your checks (the first nine digits at the bottom left), on your bank statements, or by logging into your Chase online banking/mobile app. Be aware that routing numbers can vary by state and for different types of transfers (ACH vs. Wire).
How to Send Money to Chase from Another Bank Online?
You can send money to Chase from another bank online by linking your Chase account as an external account within your other bank's online banking portal or mobile app. You'll need your Chase account number and the correct Chase routing number.
How to Receive an International Wire Transfer to Chase?
To receive an international wire transfer to your Chase account, you'll need to provide the sender with your full name and address, your Chase account number, Chase Bank's SWIFT/BIC code (CHASUS33XXX), and Chase Bank's full name and address (JPMORGAN CHASE BANK, N.A., 383 Madison Avenue, New York, NY 10179, USA).
How to Increase My Chase Transfer Limit?
For external transfers, Chase dynamically sets limits. If you need to transfer a larger amount than your current online limit, you may need to contact Chase customer service or visit a branch to discuss increasing your transfer limit or to arrange an alternative transfer method like a wire transfer.
How to Use Zelle® with Chase?
To use Zelle® with Chase, enroll through the Chase Mobile® app or Chase Online by linking your eligible Chase checking account to your U.S. mobile number or email address. Once enrolled, you can send or receive money to/from others who are also enrolled in Zelle® at a participating bank.
How to Deposit a Check to Chase Using My Phone?
You can deposit a check to Chase using your phone via the Chase Mobile® app and its "Chase QuickDeposit℠" feature. Simply endorse the check, open the app, select "Deposit," and follow the prompts to take photos of the front and back of the check and enter the amount.
How to Set Up Recurring Transfers to Chase?
If you've linked an external account to your Chase profile (or vice-versa), you can typically set up recurring transfers within the "Transfer Money" or "External Accounts" section of your online banking or mobile app. You'll choose the frequency and duration of the transfers.
How to Find Chase Bank's SWIFT Code?
The general SWIFT/BIC code for Chase Bank (JPMORGAN CHASE BANK, N.A.) is CHASUS33XXX. This is used for international wire transfers to Chase accounts in the United States.
How to Know if My Transfer to Chase Was Successful?
You can confirm if your transfer to Chase was successful by logging into your Chase online banking or mobile app and checking your account activity. You should see the transferred funds reflected in your balance. You may also receive an email or text notification from Chase if you have alerts set up.