Ready to send money with Chase Bank? Whether you're paying a friend, sending funds to family, or handling a bill, Chase offers a variety of convenient and secure ways to move your money. This comprehensive guide will walk you through each option, step by step, so you can choose the best method for your needs.
Let's dive in and get those funds where they need to go!
Understanding Your Options: Choosing the Right Way to Send Money
Chase Bank provides several robust options for sending money, each with its own advantages, limits, and ideal use cases. Before we get into the "how-to," let's briefly understand what's available:
Zelle®: Perfect for fast, free, and easy payments to people you know and trust within the U.S. Funds typically arrive in minutes.
Wire Transfers (Domestic & International): Ideal for sending larger sums of money securely, both within the U.S. and globally. While faster than traditional checks, they usually involve fees.
External Transfers (ACH): Great for moving money between your Chase account and an account you own at another bank. These typically take a few business days.
Chase Online Bill Pay: A convenient way to manage and pay your recurring bills to various companies directly from your Chase account.
Now, let's get into the nitty-gritty of how to use each of these services!
Step 1: Getting Started – Logging In and Navigating
Before you can send any money, you'll need to access your Chase account.
Sub-heading: Online Banking (Chase.com)
Open your web browser: Go to the official Chase website:
www.chase.com Locate the Sign In button: This is usually in the top right corner of the page. Click on it.
Enter your User ID and Password: Carefully type in your credentials. If you've opted for two-factor authentication (which is highly recommended for security!), you might need to enter a code sent to your phone or email.
Click "Sign In": Once logged in, you'll land on your account dashboard.
Sub-heading: Chase Mobile® App
Open the Chase Mobile® app: Tap the Chase icon on your smartphone or tablet.
Enter your User ID and Password (or use biometric login): Many apps allow for fingerprint or face ID login, making it super convenient.
Tap "Sign In": You'll be directed to your account overview.
Step 2: Sending Money with Zelle® (Fast & Free for Trusted Contacts)
Zelle is a fantastic option for sending money quickly to friends, family, and other people you trust who have a U.S. bank account.
Sub-heading: What You'll Need for Zelle
The recipient's U.S. mobile number or email address.
Ensure the recipient is enrolled with Zelle through their own bank to receive funds instantly. If they aren't, they'll receive a notification to enroll to claim the money.
Sub-heading: Step-by-Step Zelle Transfer
Navigate to "Pay & Transfer":
Online Banking: On your dashboard, look for a "Pay & Transfer" or "Send Money" tab/menu option. Click on it.
Mobile App: Tap on the "Pay & Transfer" option, usually found in the bottom navigation bar or a side menu.
Select "Send money with Zelle®": This option will be prominently displayed.
Choose or Add a Recipient:
If you've sent money to this person before, their name might appear in your contacts. Select them.
If it's a new recipient, you'll click "Add New Recipient" and enter their U.S. mobile number or email address. Double-check this information carefully!
Enter the Amount: Type in the amount you wish to send. Be aware of Zelle's daily and monthly limits, which can vary by account type and your banking history with Chase (typically $500-$15,000 daily for consumer accounts).
Select the "From" Account: Choose which of your Chase accounts you want the money to be sent from.
Add an Optional Memo: You can add a note to the recipient (e.g., "Thanks for dinner!").
Review & Send: Carefully review all the details – recipient, amount, and sending account. Once you're certain everything is correct, tap or click "Review & Send" and then "Send it now" (or similar confirmation).
Important Note on Zelle Fraud: Only send money with Zelle to people you know and trust. Zelle transactions are like cash – once sent, they are very difficult to reverse. Chase is also implementing new policies to block Zelle transactions believed to originate from social media to combat scams.
Step 3: Initiating a Wire Transfer (Secure for Larger Amounts, Domestic & International)
Wire transfers are generally used for larger sums of money and offer a highly secure way to move funds, although they typically come with fees.
Sub-heading: What You'll Need for a Wire Transfer
For Domestic Wires (within the U.S.):
Recipient's full name and address.
Recipient's bank name and address.
Recipient's wire routing number (also known as ABA number).
Recipient's account number and account type (e.g., checking, savings).
For International Wires (outside the U.S.):
Recipient's full name and address.
Recipient's bank name and address.
Recipient's SWIFT/BIC code (Bank Identifier Code).
Recipient's IBAN (International Bank Account Number), if applicable for the country (e.g., for European countries).
Recipient's account number.
Purpose of the transfer (often required for international wires).
Intermediary bank information (sometimes required for certain international transfers, but less common for direct transfers).
Sub-heading: Step-by-Step Wire Transfer (Online Banking)
While you can initiate wire transfers in person at a Chase branch, doing it online is often more convenient and can sometimes have lower fees.
Navigate to "Pay & Transfer": As in Step 1, go to the "Pay & Transfer" section in your Chase online banking.
Select "Wires & Global Transfers" or "Wire/ACH": The exact wording may vary slightly.
Enroll in Secured Transfer (if new user): If this is your first time sending a wire, you may need to enroll in Chase's Secured Transfer service, which usually involves verifying your identity via a code sent to your phone and potentially your debit card details.
Add a New Recipient (or select existing):
Choose "Add Account/Recipient."
Select whether it's a "Domestic (U.S.)" or "International" recipient.
Carefully enter all the required recipient information (name, address, bank details, routing/SWIFT/IBAN, account number). Accuracy is paramount here to avoid delays or lost funds.
Verify your identity if prompted.
Make the Transfer:
Go to the "Make Transfer" tab.
Select your "From" account.
Select the "To" recipient you just added or an existing one.
Enter the Amount you want to send.
Choose the Frequency (one-time, recurring) and the Date for the transfer.
Add an optional Description (e.g., "Payment for services").
For international wires, you may be able to choose the currency (USD or foreign currency). Sending in foreign currency might have a lower fee if the amount is over a certain threshold ($5,000 USD equivalent at Chase).
Review and Confirm: Thoroughly review all the transfer details. Wire transfers are often irreversible. Read any scam reminders or warnings provided by Chase.
Submit Transfer: Confirm the transfer. You will likely receive a confirmation email.
Sub-heading: Wire Transfer Fees & Limits
Domestic Outgoing Wire Fees: Typically around $25 for online transfers, potentially higher if done in-branch.
International Outgoing Wire Fees: Can range from $5 (for foreign currency wires over $5,000 USD equivalent) to $40-$50 (for USD international wires or foreign currency wires under $5,000 USD equivalent).
Incoming Wire Fees: Chase may charge a small fee (e.g., $15) for incoming domestic or international wires.
Wire Transfer Limits: Most Chase accounts have a daily wire limit of $25,000. Chase Private Client and Chase Sapphire Banking accounts may have higher limits (e.g., $100,000 per day). It's always best to check with Chase directly or within your online banking for your specific limits.
Step 4: Performing External Transfers (ACH) to Other Bank Accounts
An ACH (Automated Clearing House) transfer is a common way to move money between your Chase account and an account you hold at another U.S. financial institution. These are generally free or have very low fees, but take a few business days to process.
Sub-heading: What You'll Need for an External Transfer
The routing number of the external bank account.
The account number of the external bank account.
The account type (checking or savings) of the external account.
Sub-heading: Step-by-Step External Transfer
Navigate to "Pay & Transfer": Access the "Pay & Transfer" section in your Chase online banking or mobile app.
Select "External Accounts" or "Transfer Funds": Look for an option that allows you to manage or initiate transfers to external accounts.
Link an External Account:
Choose "Add external account" or similar.
You'll typically have two options:
Instant Verification: Log in to your other bank account through Chase's secure portal (this is usually faster).
Manual Verification: Enter the routing and account numbers manually. Chase will then send two small "micro-deposits" (e.g., $0.05 and $0.12) to that external account within 1-3 business days. You'll need to go back into Chase and verify these amounts to complete the linking process.
Schedule the Transfer:
Once the external account is linked, select "Schedule transfer."
Choose your "From" Chase account and the "To" external account.
Enter the Amount you wish to transfer.
Select the Frequency (one-time, recurring) and the Date.
Review and Confirm: Review all the details carefully.
Submit Transfer: Confirm the transfer.
Sub-heading: External Transfer Processing Times & Limits
Processing Time: External transfers usually take 2-3 business days to complete.
Limits: Chase sets dynamic daily limits for external transfers based on internal criteria, which will be displayed when you set up the transfer. Your other bank may also have its own receiving limits.
Step 5: Paying Bills with Chase Online Bill Pay (Convenient for Recurring Payments)
While not sending money directly to a person's bank account in the same way Zelle or wires do, Chase Online Bill Pay is a crucial way to manage outgoing payments. It's excellent for paying utility bills, credit cards, rent, and more.
Sub-heading: What You'll Need for Bill Pay
The payee's name (e.g., "Electricity Company," "Internet Provider").
The payee's account number (with them).
The payee's address (for check payments) or electronic payment details.
Sub-heading: Step-by-Step Bill Pay
Navigate to "Pay Bills": In your Chase online banking or mobile app, find the "Pay Bills" option.
Add a Payee:
Click "Add a payee" or "Manage payees."
Search for the company or person you want to pay. Chase often has a database of common payees, making setup easy.
If not found, you'll enter their information manually. This determines if Chase sends an electronic payment or a physical check.
Schedule a Payment:
Select the payee.
Enter the Amount to pay.
Choose the "Pay from" account.
Set the "Send On" date or "Deliver By" date.
You can set up one-time payments or recurring payments (e.g., monthly rent).
Review and Submit: Review the details and confirm the payment.
Sub-heading: Bill Pay Features & Benefits
Free Service: Chase generally does not charge a fee for using online bill pay.
Payment Guarantee: Chase typically guarantees that payments sent on time will arrive by the specified delivery date, covering late fees if they cause a delay.
eBills: You can often receive electronic versions of your bills directly within Chase Online Bill Pay, making tracking easier.
Electronic vs. Check Payments: Payments are often sent electronically (1-2 business days), but some payees may receive a physical check (up to 5 business days for delivery).
10 Related FAQ Questions
How to check my Chase money transfer limits?
You can usually find your specific Zelle, external transfer, and wire transfer limits by initiating a transfer within your Chase online banking or mobile app; the system will typically display the applicable daily or transaction limit before you confirm. For wire transfers, after enrolling, your daily limit will be shown.
How to cancel a pending Chase money transfer?
For Zelle, if the recipient isn't enrolled, you may be able to cancel the payment. Otherwise, Zelle payments are typically instant and irreversible. For external transfers (ACH) and wires, you might have a short window to cancel a pending transfer via your "Activity" section in online banking, or you may need to call Chase customer service immediately (1-800-935-9935).
How to receive money into my Chase account?
To receive money via Zelle, simply provide your U.S. mobile number or email address linked to your Chase account. For domestic wire transfers, provide the sender with your Chase account number and Chase's routing number (021000021). For international wire transfers, provide your account number and Chase's SWIFT/BIC code (CHASUS33).
How to send money internationally with Chase?
You can send money internationally via a wire transfer through Chase Online or at a branch. You'll need the recipient's full name, address, bank name, bank address, SWIFT/BIC code, and their account number (and IBAN if applicable).
How to find Chase's routing number for transfers?
Chase's primary routing number for most domestic transactions is 021000021. However, it's always best to verify the correct routing number for your specific account type and transaction by checking your Chase checks, online banking, or by contacting Chase customer service.
How to track a money transfer sent from Chase?
For Zelle, you'll see the status as "sent" and often "received" if the recipient is enrolled. For wire transfers, you can check the status in the "Payment activity" section under "Pay & transfer" > "Wires and global transfers" in Chase Online or the mobile app. For external (ACH) transfers, you can usually see the status in your "Transfer Activity."
How to add a new recipient for money transfers on Chase?
For Zelle, you add a new recipient by entering their U.S. mobile number or email address within the "Send money with Zelle" section. For wire transfers and external transfers, you'll find an "Add Account/Recipient" or "Link external account" option within their respective transfer sections.
How to avoid scams when sending money with Chase?
Always verify the recipient's identity and the purpose of the transfer. Only send money to people you know and trust. Be wary of requests to send money for emergencies without independent verification, online purchases from unknown sellers, or anyone asking you to send money to yourself or for "testing" purposes. Chase and Zelle will never ask you to send money to yourself or to test a transaction.
How to send a large amount of money from Chase?
For large amounts, wire transfers are the most suitable option, as Zelle and external transfers have lower daily limits. Be aware of your specific wire transfer limits as a Chase customer, which can be up to $25,000 or $100,000 depending on your account type. You may also consider splitting payments over multiple days if using Zelle or ACH, or visiting a branch for assistance with very large transfers.
How to confirm if my Chase account is eligible for Zelle?
Most Chase consumer checking accounts are eligible for Zelle. You can confirm your eligibility by logging into the Chase Mobile® app or Chase.com and looking for the "Send money with Zelle®" option under "Pay & Transfer." If you can access it, your account is eligible.