Send an ACH payment from Chase through online banking or mobile app
Chase lets you send ACH payments to another person or business through Chase Online, the Chase Mobile app, or by phone. The fastest route is online banking: log in, go to "Pay & Transfer," select "Send Money," choose the recipient's bank account, enter the amount, and confirm. The payment posts to the recipient's account in one to two business days. You can also call Chase at the number on the back of your card to send a payment over the phone, though this takes longer and may have lower limits.
Before you start, you need the recipient's full name, routing number, account number, and account type (checking or savings). If you are sending to someone you have paid before, Chase stores their details and you can select them from your saved list. If this is a new recipient, you will enter their information and Chase will verify it before the payment goes through.
ACH payments are free from Chase. There is no fee whether you send $10 or $10,000. The money comes directly from your Chase checking account, and you can schedule the payment to go out today or on a future date up to one year away.
Key Takeaways
- Log into Chase Online or the mobile app, go to Pay & Transfer, and select Send Money to start an ACH payment to a new or saved recipient.
- You need the recipient's name, routing number, account number, and account type before you can send; Chase verifies new accounts before processing.
- ACH payments from Chase take one to two business days to reach the recipient's bank and are free regardless of amount.
- You can schedule an ACH payment to send today or up to one year in the future, and you can cancel it before it posts if you change your mind.
- If you do not have online access or prefer to speak to someone, call the number on your Chase card to send a payment by phone.
Step-by-step: sending an ACH payment online
Open Chase Online and log in with your username and password. On the dashboard, look for "Pay & Transfer" in the main menu or navigation bar. Click it, then select "Send Money" (not "Pay Bills," which is for bill payments to companies).
Chase will show you a list of saved recipients if you have sent money before. If the person or business you want to pay is on that list, click their name. If not, click "Add Recipient" or "New Recipient" and enter their full name, routing number, account number, and whether the account is checking or savings. Chase will verify the account details; this usually takes a few minutes but can take up to 24 hours for some banks.
Once the recipient is confirmed, enter the amount you want to send and choose when the payment should post. You can send it today (it will leave your account immediately but may take one to two business days to arrive) or pick a future date. Review the details one more time, then click "Confirm" or "Send." Chase will show you a confirmation number; save or screenshot this for your records.
Sending an ACH payment from the Chase Mobile app
Open the Chase Mobile app and tap the menu icon (three horizontal lines) at the bottom or top of the screen. Tap "Pay & Transfer," then "Send Money." The process is the same as online: select a saved recipient or add a new one, enter the amount and date, and confirm.
The mobile app works the same way as online banking, and payments sent from the app take the same one to two business days. If you have trouble with the app or want to send a large amount, you can always log into Chase Online from a browser instead.
What information you need before you start
Gather these details about the person or business receiving the money: their full legal name (as it appears on their bank account), their routing number, their account number, and the account type (checking or savings). The routing number is a nine-digit code that identifies their bank; you can find it on a check, ask the recipient directly, or look it up on the bank's website. The account number is usually 8 to 12 digits and is also printed on checks.
If you are sending to a business, use the business name as it appears on their bank account, not a shortened version or nickname. If the name does not match exactly, the payment may be rejected or delayed. When in doubt, ask the recipient to confirm their account details in writing or provide a voided check.
How long an ACH payment takes and when you can cancel
An ACH payment sent from Chase takes one to two business days to reach the recipient's bank. If you send it on a Friday, it will not post until Monday or Tuesday. Weekends and bank holidays do not count as business days. Once the payment has posted to the recipient's account, it cannot be reversed or cancelled.
You can cancel an ACH payment up until it posts. Log back into Chase Online or the app, find the pending payment in your transaction history, and look for a "Cancel" or "Recall" button. If you do not see one, the payment has already posted and cannot be stopped. If you need to cancel a payment that has already left your account, contact Chase immediately and ask them to attempt a recall, though success is not may provide once the money has reached the other bank.
Sending an ACH payment by phone
Call the number on the back of your Chase debit or credit card. Tell the representative you want to send an ACH payment and provide the recipient's name, routing number, account number, account type, and the amount. The representative will confirm the details and process the payment. Phone payments take the same one to two business days as online payments and are also free.
Phone payments may have lower limits than online payments, and some Chase accounts restrict phone transfers. If Chase tells you that you cannot send the amount you need by phone, use online banking or the app instead. Ask the representative for a confirmation number and note the date and time of your call.
What happens if a payment fails or is rejected
A payment can fail if the recipient's account number or routing number is wrong, if the account is closed, or if the recipient's bank rejects it for another reason. Chase will notify you by email or through your online account if a payment fails. The money will return to your Chase account within one to three business days.
If a payment fails, check the recipient's account details and try again. Ask the recipient to confirm their routing and account numbers, or ask them to provide a voided check. If the payment fails a second time, contact Chase and ask them to investigate why the recipient's bank is rejecting it.
Frequently Asked Questions
Can I send an ACH payment to someone at a different bank?
Yes. ACH payments work between any two banks in the United States. As long as you have the recipient's routing number and account number, you can send money from Chase to their bank, whether it is Bank of America, Wells Fargo, a credit union, or any other institution.
Is there a limit on how much I can send?
Chase sets daily and monthly limits on ACH payments, but the limits vary by account type and your account history. Most checking accounts can send $10,000 or more per day. Log into your account or call Chase to see your specific limit. You can request a higher limit, though approval is not may provide.
What if I send money to the wrong person by mistake?
Once an ACH payment posts, you cannot reverse it. Contact the recipient and ask them to return the money. If they refuse, you may need to pursue the matter through your bank or small claims court. This is why it is important to double-check the recipient's name and account number before you confirm the payment.
Do I need to know the recipient's name exactly as it appears on their account?
Yes. The name should match their bank account as closely as possible. If you send to "John Smith" but the account is registered as "John Michael Smith," the payment may be rejected. When in doubt, ask the recipient how their name appears on their account or ask them to provide a voided check.
Can I schedule an ACH payment weeks or months in advance?
Yes. Chase lets you schedule ACH payments up to one year in the future. This is useful for recurring payments like rent or loan payments. You can set up a one-time scheduled payment or, if you need to send the same amount regularly, use Chase's bill pay or recurring transfer feature instead.