Feeling the need to move some money around? Perhaps you're paying a friend back, sending funds to a loved one, or making an important bill payment. Whatever your reason, a bank transfer is often the safest and most reliable way to do it. And if you're a Chase Bank customer, you're in luck, because they offer several convenient ways to transfer funds.
This comprehensive guide will walk you through everything you need to know about conducting a Chase Bank transfer, whether it's to another Chase account, an external bank, or even internationally. Let's get started!
Understanding Your Transfer Options with Chase
Before we dive into the "how-to," it's crucial to understand the different types of transfers Chase offers, as each has its own benefits, speed, and potential fees.
Internal Transfers: Moving money between your own Chase accounts (e.g., from your checking to your savings) or to another Chase customer's account. These are generally instant and free.
External Transfers (ACH Transfers): Sending money to or from an account at a different bank. These typically take 2-3 business days to process and may have limits.
Wire Transfers: A faster, more secure way to send larger sums of money, often used for international transfers or time-sensitive domestic payments. Wire transfers are typically more expensive than ACH transfers and are generally non-reversible.
Zelle (formerly Chase QuickPay with Zelle): A person-to-person (P2P) payment service that allows you to send and receive money with friends, family, and others you trust, typically in minutes. This is great for smaller, everyday transfers and is usually free.
Now, let's get into the specifics!
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| How To Do Chase Bank Transfer |
The Step-by-Step Guide to Chase Bank Transfers
Step 1: Getting Ready - Your Essential Checklist!
So, you're ready to make a transfer? Fantastic! Before you even log in, let's ensure you have everything you need to make this a smooth and stress-free process.
Sub-heading: Gather Your Information
Your Chase Account Details: You'll need to know which of your Chase accounts you want to transfer funds from. This includes your account number and routing number (though the routing number is usually pre-filled for internal transfers).
Recipient's Information: This is critical and varies based on the type of transfer:
For Internal Chase Transfers (to another Chase customer):
Recipient's Chase account number
Recipient's name
For External ACH Transfers (to another bank in the US):
Recipient's full name
Recipient's bank name
Recipient's bank's routing number
Recipient's account number
Account type (checking or savings)
For Domestic Wire Transfers (to another bank in the US):
Recipient's full name and address
Recipient's bank name and address
Recipient's bank's routing number
Recipient's account number
Purpose of the transfer (often required for wire transfers)
For International Wire Transfers:
Recipient's full name and address
Recipient's bank name and address
Recipient's bank's SWIFT/BIC code
Recipient's account number or IBAN (International Bank Account Number), depending on the country.
Purpose of the transfer (often required)
Intermediary bank details (sometimes needed for certain countries, your recipient's bank can provide this).
For Zelle Transfers:
Recipient's U.S. mobile number or email address (they must be enrolled with Zelle through their bank).
Amount to Transfer: Double-check the exact amount you wish to send.
Security Measures: Be prepared for security verification steps, which might include a one-time passcode sent to your phone or email.
Pro-tip: Always confirm the recipient's bank details directly with them, preferably through a different communication method than the one they initially provided. This helps prevent fraud!
Step 2: Accessing Your Chase Account
Now that you're prepared, let's log in and get things moving!
Sub-heading: Online Banking or Mobile App? Your Choice!
Chase offers a seamless experience whether you prefer banking on your computer or through their mobile app.
Tip: Look for small cues in wording.
Option A: Chase Online Banking (Desktop/Laptop)
Open your web browser and go to
chase.com.Locate the "Sign In" button, usually in the top right corner.
Enter your User ID and Password.
Click "Sign In."
Option B: Chase Mobile® App (Smartphone/Tablet)
Open the Chase Mobile® app on your device.
Enter your User ID and Password, or use biometric login (fingerprint, face ID) if you have it enabled.
Always ensure you are on the official Chase website or using the legitimate Chase Mobile® app to protect your financial information.
Step 3: Initiating the Transfer
Once logged in, the path to initiating a transfer is quite straightforward.
Sub-heading: Finding the "Pay & Transfer" Section
On the Chase Online Banking website, look for the "Pay & Transfer" tab or menu option. It's usually prominently displayed.
In the Chase Mobile® app, tap on "Pay & Transfer" or sometimes just "Transfer" from the main menu or dashboard.
Sub-heading: Choosing Your Transfer Type
Within "Pay & Transfer," you'll typically see options like:
"Transfer Money" (for internal and external ACH transfers)
"Wires & Global Transfers" (for domestic and international wire transfers)
"Zelle®" (for quick person-to-person payments)
Select the option that best suits your transfer needs.
Step 4: Performing an Internal Chase Transfer (to another Chase account or your own)
This is the simplest type of transfer.
Select "Transfer Money".
Choose the "From" account (your Chase account you're sending from).
Choose the "To" account.
If it's one of your own other Chase accounts, it will appear in the list.
If it's another Chase customer's account, you might need to add them as a recipient first (if you haven't already). This usually involves entering their Chase account number and name.
Enter the Amount you wish to transfer.
Select the Date for the transfer (usually "Today" for immediate).
You may have an option to add a Memo or description.
Review all the details carefully.
Confirm the transfer.
Internal transfers are typically instant, and you'll see the funds reflected in both accounts almost immediately.
Step 5: Sending an External ACH Transfer (to another U.S. bank)
Sending money to a non-Chase account requires a bit more setup if it's your first time sending to that recipient.
Sub-heading: Adding an External Account (First Time Only)
QuickTip: Treat each section as a mini-guide.
Under "Pay & Transfer," select "Transfer Money".
Look for an option like "Add external account" or similar.
You'll be prompted to provide the recipient's bank's routing number and their account number.
Chase may use a "micro-deposit" verification process for security. This means Chase will send two small, random deposits (e.g., $0.15 and $0.23) to the external account within 1-2 business days. You'll then need to return to Chase Online or the app and verify these exact amounts to confirm the account ownership.
Alternatively, some banks allow instant verification by logging into the external bank account through Chase's secure portal.
Once the external account is linked and verified, it will be saved for future transfers.
Sub-heading: Making the Transfer
After selecting "Transfer Money", choose your Chase account as the "From" account.
Select the newly added external account as the "To" account.
Enter the Amount you wish to transfer.
Choose the Date for the transfer. You can schedule one-time or recurring transfers.
Add a Memo if desired.
Review all details meticulously.
Confirm the transfer.
External ACH transfers typically take 2-3 business days to complete. Weekends and holidays can extend this time.
Step 6: Performing a Wire Transfer (Domestic or International)
Wire transfers are for larger, time-sensitive, or international transactions. They involve higher fees and are generally irreversible, so extreme caution is advised.
Sub-heading: Enrolling for Wire Transfers (If Not Already)
Under "Pay & Transfer," select "Wires & global transfers".
You may need to enroll in wire transfers if you haven't done so before. This often involves reviewing terms and conditions and possibly a security verification.
Sub-heading: Adding a Wire Recipient
Choose to "Add recipient" or select an existing one if you've wired to them before.
You'll be asked if the recipient is an individual or a business.
Provide the recipient's country.
Enter the recipient's bank information:
Domestic Wires: Bank Name, Routing Number, Account Number, Recipient Name and Address.
International Wires: Recipient's Bank Name, SWIFT/BIC code, Account Number or IBAN, Recipient Name and Address.
Provide any additional routing information if necessary (e.g., "For further credit to" for brokerage accounts).
Confirm the recipient details.
Sub-heading: Sending the Wire
Once the recipient is set up, select "Send money" next to their name.
Choose the Chase account you wish to wire funds from.
Enter the Amount to be wired. For international wires, you may have the option to send in USD or a foreign currency. Be mindful of exchange rates and any associated fees.
Select the Date you want the wire to be sent.
Provide the Purpose of the Transfer (e.g., "Family support," "Purchase of property"). This is often a mandatory field for compliance.
Review all details very, very carefully. Remember, wires are generally non-reversible.
Confirm the wire transfer. You will likely receive a confirmation number.
Domestic wire transfers usually arrive within 1-2 business days. International wires can take 2-5 business days, depending on the destination country and intermediary banks. Be aware of Chase's wire transfer fees: Domestic outgoing wires are typically $25 online/app and $35 with a banker's assistance. International outgoing wires are usually $40 online/app in USD, or $5 if sent in foreign currency over $5,000 (with $0 for amounts under $5,000).
Step 7: Using Zelle for Quick Transfers
For smaller amounts to trusted individuals, Zelle is an excellent, fast, and free option.
Sub-heading: Enrolling in Zelle (First Time Only)
Under "Pay & Transfer," tap on "Zelle®".
If you're new to Zelle, you'll need to enroll by linking your Chase checking or savings account to your U.S. mobile number or email address.
Follow the prompts to verify your contact information.
Tip: Reading with intent makes content stick.
Sub-heading: Sending Money with Zelle
After enrolling, tap "Send" within the Zelle section.
Enter the recipient's U.S. mobile number or email address.
If they are already in your Zelle contacts, you can select them.
Important: Only send money to people you know and trust. Zelle payments are like cash and cannot be canceled if the recipient is already enrolled.
Enter the Amount you wish to send.
Select the Chase account you want to send from.
Add a Memo (optional).
Review the details.
Confirm the payment.
Funds sent via Zelle typically arrive in the recipient's account in minutes if they are already enrolled. Chase has daily and monthly Zelle limits, usually up to $2,000 per transaction and day for personal checking accounts (up to $16,000 per month), and higher for Chase Private Client accounts.
Step 8: Monitoring Your Transfer
Once you've initiated a transfer, it's a good idea to keep an eye on its status.
In Chase Online Banking or the Mobile App, navigate to the "Activity" or "Transfer History" section within "Pay & Transfer."
You'll be able to see the status of your pending and completed transfers. For wire transfers, you may also have a tracking number.
For external ACH transfers, it might take a business day or two before you see the transaction fully clear and the funds reflected in the recipient's account. Wire transfers are often quicker to show as "sent" but the actual receipt by the beneficiary bank can still take time.
Frequently Asked Questions (FAQs)
Here are 10 common questions about Chase Bank transfers, with quick answers:
How to Check My Chase Bank Transfer Limit?
Your transfer limits for external ACH transfers are typically displayed when you initiate a transfer online or in the app. For wire transfers, the daily limit is generally up to $250,000 per business day. Zelle limits vary by account type (e.g., $2,000/day for personal checking, $5,000/day for Chase Private Client).
How to Cancel a Chase Bank Transfer?
Internal Chase transfers are usually instant and cannot be canceled once confirmed. External ACH transfers can sometimes be canceled if they are still "pending" and haven't been processed yet; check your "Activity" or "Transfer History" section for a cancellation option. Wire transfers are generally non-reversible once sent, so extreme caution is advised. Zelle payments are also generally irreversible if the recipient is enrolled.
How to Receive Money via Chase Bank Transfer?
For internal Chase transfers, simply provide the sender your Chase account number and full name. For external ACH transfers, provide your Chase routing number, account number, account type (checking/savings), and full name. For international wire transfers, provide the sender your Chase account number, the Chase SWIFT/BIC code (CHASUS33), Chase's address (270 Park Avenue, New York, NY 10172), and your full name.
QuickTip: Pay close attention to transitions.
How to Transfer Money from Chase to Another Bank?
You can use an external ACH transfer or a wire transfer. For ACH, you'll need the recipient's bank's routing number and their account number. For wire, you'll need more detailed information including their bank's name and address.
How to Find My Chase Bank Routing Number?
Your Chase routing number can be found at the bottom of your checks (the first nine digits), in your online banking account details, or on the Chase Mobile® app under your account information. It can vary by state or region, so always confirm the correct one for your account.
How to Send Money Internationally with Chase?
You can send international wire transfers through Chase Online Banking or the Chase Mobile® app. You'll need the recipient's full name and address, their bank's name and address, their SWIFT/BIC code, and their account number or IBAN. Fees apply, and exchange rates will be a factor.
How to Speed Up a Chase Bank Transfer?
For instant transfers within Chase, simply use an internal transfer. For transfers to other banks, Zelle is the fastest option for smaller amounts (minutes). For larger, time-sensitive amounts, a wire transfer is faster than an ACH transfer, though it incurs higher fees.
How to Avoid Fees on Chase Bank Transfers?
Internal transfers between your Chase accounts and to other Chase customers are generally free. Zelle transfers are also free. External ACH transfers are typically free. Wire transfers, however, almost always incur fees (e.g., $25-$50 for outgoing wires), though incoming wires can sometimes be free depending on your account type (e.g., Chase Sapphire Checking or Chase Private Client).
How to Set Up Recurring Chase Bank Transfers?
When initiating an internal or external ACH transfer, you will usually have an option to make it a "recurring" transfer. You can then set the frequency (weekly, bi-weekly, monthly, etc.) and the end date or number of occurrences.
How to Transfer Money from Chase to Myself at Another Bank?
You can set up an external ACH transfer from your Chase account to your account at another bank by adding your external account details (routing and account number) in Chase Online or the app. Once verified, you can transfer funds between them.
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