Yes, you can transfer money from Chase to another bank account in several ways
Chase offers multiple routes to move money out of your account to a bank elsewhere. The fastest is an external transfer through Chase's website or mobile app, which typically lands in one to two business days. You can also use ACH (Automated Clearing House), wire transfer, or write a check. Which method you choose depends on how quickly you need the money, how much you're sending, and whether the receiving bank is domestic or international.
Before you start, you'll need the receiving bank's routing number and the account number where the money should land. If you don't have those details, ask the other bank or check their website—most post this information in their FAQ or account settings.
Key Takeaways
- External transfers through Chase's app or website reach most domestic banks in one to two business days and are free.
- Wire transfers move money the same day but cost $15 to $20 and are harder to reverse if you make a mistake.
- ACH transfers are free and take three to five business days, making them the cheapest option for non-urgent moves.
- You'll need the receiving bank's routing number and the account number before you start any transfer.
- Chase limits how much you can transfer per day or per month depending on your account type and history.
External transfer through Chase's website or app
This is the most common way to move money from Chase to another bank. Log into your Chase account online or open the mobile app, find the "Transfer & Pay" or "Transfers" section, and select "Transfer to another bank." Chase will ask you to enter the receiving bank's name, routing number, and account number. You can usually save this information so you don't have to re-enter it next time.
Chase processes external transfers as ACH transactions, which means the money typically arrives in one to two business days. There is no fee. However, Chase may limit how much you can transfer per day—this varies by account type and your history with the bank, but $10,000 per day is common. If you need to move more, you can set up multiple transfers across different days or contact Chase to request a higher limit.
The receiving bank must be a U.S. institution. If you're sending money internationally, you'll need to use a wire transfer instead.
Wire transfer for same-day or next-day delivery
A wire transfer moves money faster than an external transfer, usually within hours or by the next business day. You can initiate a wire through Chase's website, mobile app, or by calling Chase at the number on the back of your card. You'll provide the same information: the receiving bank's name, routing number, and account number.
Wire transfers cost $15 to $20 depending on whether the receiving bank is domestic or international. This fee is deducted from the amount you send, so if you wire $500, the receiving account gets less than $500. Wire transfers are also harder to reverse once they've been sent, so double-check the account number and routing number before you confirm. If you make a mistake, you may not be able to recover the money.
Wire transfers work for both domestic and international transfers, though international wires may require additional information like a SWIFT code or IBAN.
ACH transfer for the lowest cost
ACH (Automated Clearing House) is the system that powers most external transfers. If you want to move money with no fee and don't need it to arrive immediately, ACH is your option. The trade-off is timing: ACH transfers take three to five business days.
You initiate an ACH transfer the same way you would an external transfer through Chase's website or app. Chase will route it through the ACH network, which batches transactions and processes them on a schedule. Weekends and federal holidays don't count as business days, so a transfer you send on Friday may not arrive until Wednesday.
ACH transfers have higher daily and monthly limits than external transfers at some banks, but Chase typically treats them the same way. If you're moving a large amount, check your account limits or call Chase to confirm.
Check or cashier's check
If you prefer not to use electronic transfer, you can write a check from your Chase account and deposit it at the other bank. This is slow—checks typically take five to ten business days to clear—but it works if you have the time and the receiving bank accepts checks.
A cashier's check is a check issued by Chase itself, which the receiving bank may clear faster because it's may provide by Chase rather than your personal account. You can order a cashier's check at a Chase branch or through the app. There is usually a small fee, around $10.
Transfer limits and how to increase them
Chase sets daily and monthly limits on how much you can transfer out of your account. These limits vary by account type and your banking history. A new account might have a $1,000 daily limit, while an established account might allow $10,000 or more per day. Monthly limits are usually higher—sometimes $25,000 or more.
If you need to transfer more than your current limit, contact Chase directly. You can call the number on the back of your card, visit a branch, or use the mobile app to request a limit increase. Chase may raise your limit immediately or ask you to wait a few days. Having a good account history and no recent fraud flags makes an increase more likely.
Wire transfers and ACH transfers may have separate limits from external transfers, so ask Chase which limit applies to the type of transfer you're making.
What to do if a transfer doesn't arrive
If you've sent money and it hasn't arrived within the expected timeframe, first check that you entered the correct routing number and account number. A single digit wrong will send the money to the wrong account or cause the transfer to fail and bounce back to Chase.
Contact Chase and provide the date you sent the transfer, the amount, and the receiving bank's name. Chase can trace the transfer through the ACH or wire system and tell you where it is. If it was sent to the wrong account, Chase can file a recovery request, though there's no may provide the other bank will return it. If the transfer failed, Chase will usually refund it to your account within one to two business days.
For wire transfers, if the money went to the wrong account, contact Chase immediately. Wire transfers are harder to reverse, and the receiving bank is under no obligation to return the funds. The sooner you report it, the better your chances.
Frequently Asked Questions
How long does it take to transfer money from Chase to another bank?
External transfers and ACH transfers typically take one to two business days. Wire transfers are faster, usually arriving the same day or next business day. Checks take five to ten business days. Weekends and holidays don't count as business days, so a transfer sent Friday may not arrive until the following week.
Is there a fee to transfer money from Chase to another bank?
External transfers and ACH transfers are free. Wire transfers cost $15 to $20. Cashier's checks have a small fee, usually around $10. The fee for a wire transfer is deducted from the amount you send, so the receiving account gets less than you transferred.
What if I enter the wrong account number?
If you enter the wrong account number, the transfer may go to a different account at the receiving bank or fail entirely. If it fails, it bounces back to Chase within one to two business days. If it goes to the wrong account, contact Chase immediately to file a recovery request. The receiving bank is not required to return the funds, but Chase can try to retrieve them.
Can I transfer money from Chase to a bank outside the United States?
Yes, but only by wire transfer. External transfers and ACH transfers only work for U.S. banks. International wire transfers require additional information like a SWIFT code or IBAN and cost more than domestic wires. Contact Chase for the exact fee and required details.
Can I cancel a transfer after I've sent it?
It depends on the type of transfer and how fast it processes. For external transfers and ACH transfers, you may be able to cancel within a few hours if the transfer hasn't been processed yet. For wire transfers, cancellation is much harder once the money has left Chase. Contact Chase immediately if you need to cancel. The sooner you act, the better your chances.