Yes, you can pay your Chase credit card from another bank account
Chase lets you link a bank account from a different bank and use it to make credit card payments. You can set this up through your Chase online account or the Chase mobile app, and the payment will pull money directly from that other bank's account. The process takes a few minutes to authorize, and then you can pay whenever you want—one time or on a recurring schedule.
The main thing to know is that Chase needs to verify the account before you can use it. This verification usually happens in one of two ways: Chase deposits two small amounts (typically under $1 each) into the other bank account, and you confirm those amounts back in your Chase account. Or, if the other bank participates in Chase's instant verification system, the account is approved right away. Either way, you're ready to pay within a day or two.
Key Takeaways
- You can link any U.S. bank account to your Chase credit card through the Chase website or app, even if it's from a completely different bank.
- Chase verifies the account by depositing two small test amounts or through instant verification, which takes less than a day in most cases.
- Once verified, you can make one-time payments or set up automatic recurring payments on any schedule you choose.
- Payments typically post within one to three business days, depending on whether you use standard ACH or Chase's faster payment option.
- You can remove a linked bank account at any time, and Chase will not charge you a fee for paying from another bank.
How to link another bank account to your Chase credit card
Log into your Chase account online or open the Chase mobile app. Go to the payment section—this is usually labeled "Make a Payment" or "Pay Now." Look for an option to add a new bank account or payment method. Chase will ask for the routing number and account number of the bank account you want to link. You can find both on a check from that account, or call the other bank to ask.
After you enter those details, Chase will initiate verification. If the other bank is in Chase's instant verification network, the account is approved immediately and you can use it right away. If not, Chase will deposit two small amounts into the account within one to two business days. Once those deposits appear (usually $0.01 to $0.99 each), you go back into your Chase account and enter the exact amounts. After you confirm them, the account is verified and ready to use.
The entire process is free. Chase does not charge you to link an account or to pay from it, regardless of which bank the account is at.
Payment timing and how long money takes to move
When you schedule a payment from another bank account, you have two speed options. Standard payments typically post to your Chase credit card within one to three business days. This uses the ACH (Automated Clearing House) network, which is the standard way banks move money between institutions.
Chase also offers a faster payment option in some cases, which can post the same day or next business day, though this may depend on the time you submit the payment and the other bank's processing schedule. Check your Chase account when you're about to pay—if the faster option is available, it will show you the expected posting date before you confirm.
Keep in mind that "posting" means the payment reaches Chase, not that it reduces your balance immediately. Your available credit may update at different times depending on your card's settings, but the payment itself is secure once it posts.
What happens if the payment fails or bounces
If there is not enough money in the linked bank account when the payment is scheduled to go through, the payment will fail. Chase will typically notify you by email or through your account that the payment could not be processed. Your credit card balance will not be reduced, and you will not be charged a late fee for that missed payment—but you still owe the balance.
If a payment fails, you can try again as soon as you have enough money in the linked account. You can also switch to a different payment method (another bank account, a debit card, or a check) and pay that way instead. The key is to make a payment before your due date to avoid a late fee and a report to credit bureaus.
If you are worried about overdrafts at the other bank, check that bank's overdraft policy before you set up the payment. Some banks charge overdraft fees if a payment pulls the account negative, even by a small amount. You can prevent this by keeping a buffer of extra money in the account or by setting up a payment amount that you know will not overdraw it.
Setting up automatic recurring payments
Once your bank account is verified, you can set up Chase to automatically pay your credit card on a schedule you choose. You can pay a fixed amount every month, or you can set it to pay your full statement balance automatically. This is useful if you want to make sure you never miss a due date.
To set this up, go to the payment section of your Chase account and look for "Automatic Payments" or "Recurring Payments." Choose the linked bank account, enter the amount or select "full balance," and pick the date each month when you want the payment to go through. Chase will send you a confirmation, and the payment will happen automatically on that date each month.
You can change or cancel an automatic payment at any time through your Chase account. If you cancel it, Chase will stop pulling money from the linked account, but any payment already scheduled will still go through if it has not been processed yet.
Removing a linked bank account
If you no longer want to use a particular bank account to pay your Chase card, you can remove it from your account. Go to your payment methods or linked accounts section in Chase and select the account you want to delete. Chase will ask you to confirm, and then the account is removed. You will not be able to use it to pay your card anymore, but the account itself at the other bank is not affected.
Before you remove an account, make sure you have another way to pay your card—either another linked bank account, a debit card, or the option to mail a check. If you remove all payment methods and then miss a payment, you could face late fees and credit damage.
Frequently Asked Questions
Can I pay my Chase credit card from a bank account at a credit union?
Yes. Chase accepts payments from bank accounts at credit unions, regional banks, and national banks. As long as the account has a routing number and account number, you can link it. Verification works the same way—either instant or through the two small deposit method.
What if I enter the wrong routing or account number?
If the numbers do not match a real account, Chase will reject the link and tell you the account could not be verified. You can try again with the correct numbers. If a payment is already scheduled to an incorrect account, contact Chase right away to cancel it before it processes.
Does paying from another bank account hurt my credit score?
No. How you pay your Chase card does not affect your credit score. What matters is whether you pay on time and how much of your credit limit you use. Paying from another bank account is just a payment method—it has no impact on your credit.
Can I pay my Chase card from an international bank account?
Chase generally only accepts payments from U.S. bank accounts. If you have a bank account outside the United States, you will need to use a different payment method, such as a wire transfer or a debit card issued in the U.S. Contact Chase directly if you are unsure whether your account qualifies.
What if the other bank charges a fee for outgoing ACH transfers?
Some banks limit the number of outgoing ACH transfers you can make per month without a fee. Check your account agreement with the other bank to see if there are any limits. If there are, you may want to make fewer payments or switch to a different payment method to avoid fees from that bank.