Mail your Chase credit card payment to the address printed on your statement or invoice
The mailing address for Chase credit card payments appears in two places: on the back of your monthly statement and on any payment coupon or stub included with it. Do not use the address on the front of your card or the address of a Chase branch near you — those are not payment processing centers. Chase operates separate payment processing facilities, and sending your check to the wrong address delays posting by weeks.
If you cannot find a statement, log into your Chase online account or call the customer service number on the back of your card. A representative can provide the correct mailing address for your specific account. The address may vary depending on which Chase subsidiary holds your card (Chase Bank USA, for example, versus another Chase entity), so always verify before you mail.
Key Takeaways
- The correct mailing address is printed on your monthly statement or payment coupon, not on your card or at a local branch.
- Different Chase accounts may have different payment processing addresses, so check your statement each time you mail a payment.
- Mail your payment at least five to seven business days before your due date to account for postal delays.
- Include your account number on the check or money order, and keep a copy of what you sent in case the payment is lost.
- If you need the payment to post by a specific date, use Chase's online bill pay or call to make a same-day payment instead of mailing.
How long a mailed payment takes to reach Chase
A check mailed to Chase typically takes five to seven business days to arrive at the processing center, depending on your location and the postal service's current volume. Once it arrives, Chase usually posts the payment to your account within one to two business days. This means a payment mailed on a Monday may not post until the following week or later.
Your due date is the deadline for payment to post to your account, not the deadline for mailing it. If your due date is the 15th and you mail a check on the 12th, it will likely post after the 15th, and you will be charged a late fee even though you mailed it on time. To avoid this, mail payments at least seven to ten business days before your due date, or use an online payment method instead.
What information to include with your mailed payment
Write your account number on the front of the check or money order in the memo line. This is the most important step — without it, Chase may not know which account the payment belongs to and will hold it in a suspense account while they try to match it to a customer. Your account number is a 16-digit number printed on your statement and card.
Do not include extra documents, letters, or dispute notices in the envelope with your payment. Chase's automated processing system scans checks and routes them separately from mail. If you need to dispute a charge or communicate with Chase about your account, use a separate letter or contact customer service by phone or through your online account. Enclosing documents with a payment slows processing and may cause the payment to be misrouted.
If you are paying from a business account or on behalf of someone else, include the cardholder's name and account number on the check. Chase will not post a payment from a third party without clear identification of the account it belongs to.
Risks of mailing a payment and what to do if it is lost
Mailed payments can be lost, delayed, or misrouted. If your payment does not post within ten business days of mailing, contact Chase immediately. Have your check number, amount, and the date you mailed it ready. Chase can search their processing system for the check and confirm whether it arrived.
If the check is lost in the mail, Chase cannot recover it, but you can stop payment on the check through your bank and issue a new one. Ask your bank for a stop-payment confirmation number and keep it. Then mail a replacement check to Chase or use an online payment method to ensure it posts before your next due date.
If you are charged a late fee because a mailed payment was delayed, contact Chase and explain when you mailed it. Some late fees can be reversed if you can show proof that you mailed the payment on time. Keep copies of checks you mail — photograph the front and back, or request a copy from your bank after the check clears.
Faster alternatives to mailing a check
Chase online bill pay allows you to schedule a payment that posts within one to two business days, or sometimes the same day if you pay before the cutoff time (usually 5 p.m. Eastern). Log into your Chase account, select "Pay Bills," and choose the date you want the payment to post. You can pay from a checking or savings account linked to your Chase profile.
Calling Chase customer service at the number on the back of your card lets you make a payment over the phone using a bank account or debit card. The payment posts the same day or the next business day. This is the fastest option if your due date is tomorrow and you have not yet mailed a check.
Mobile payment apps like Venmo, PayPal, or your bank's own app do not work for credit card payments — they are designed for peer-to-peer transfers. Use only Chase's official channels or your bank's bill pay system to send money to a credit card account.
What happens if your payment arrives after the due date
If a mailed payment posts after your due date, Chase will charge a late fee. The amount varies by card and cardholder agreement, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months may trigger a higher fee. Late payments also appear on your credit report and can lower your credit score.
If you are consistently mailing payments close to the due date and they are posting late, switch to online bill pay or automatic payments. You can set up automatic payments through your Chase account to pay a fixed amount or your full balance on a date you choose. This removes the risk of postal delays affecting your payment history.
Frequently Asked Questions
Can I mail a payment to a Chase branch or ATM location?
No. Chase branches and ATMs do not process credit card payments by mail. Payments sent to a branch address will be returned or forwarded to the correct processing center, which delays posting by several weeks. Always use the address printed on your statement.
What if I do not have a statement because I just opened the account?
Log into your Chase online account immediately and look for the payment address in the account settings or billing section. You can also call the customer service number on the back of your card. Do not mail a payment without confirming the correct address first.
Is it safe to mail a check with my account number on it?
Yes. Your account number alone cannot be used to open new accounts or access your funds — it only tells Chase which bill to apply the payment to. The check itself is the only document that moves money, and it is made out to Chase, not to an individual. The risk of fraud from a mailed check is very low.
Can I mail a payment in a different currency?
No. Chase only accepts payments in U.S. dollars. If you are sending money from outside the United States, use an international wire transfer or ask your bank about options. Mailing a check in another currency will delay processing while Chase arranges conversion or returns it.
What if I mail a payment but then pay online by mistake?
Contact Chase immediately and explain that you mailed a check and also made an online payment. Provide the date and amount of each. Chase can help you stop one of the payments or apply the extra amount as a credit to your next statement. Acting quickly prevents an overpayment that would take weeks to refund.