Wire transfers into Chase arrive in one to two business days, and you need to give the sender your Chase routing number, account number, and full name

To receive a wire transfer at Chase, you provide the sender with three pieces of information: your Chase routing number (which varies by state and branch), your account number, and your full name exactly as it appears on your account. The sender's bank then moves the money through the Federal Reserve's wire system, and Chase deposits it into your account within one to two business days. You do not need to do anything after providing this information — the transfer happens on the sender's end.

Wire transfers are faster and more direct than checks or ACH transfers, but they are also permanent once sent. If the sender enters your account number incorrectly, the money may go to someone else's account, and you cannot reverse it. This is why getting your account details exactly right matters more for wires than for other transfer types.

Key Takeaways

  • You need your Chase routing number, account number, and full name to give to the sender — Chase does not initiate the transfer on your end.
  • Wire transfers typically arrive within one to two business days, though they can take longer if sent on a weekend or holiday.
  • You can find your routing number and account number on the bottom left of your checks, in the Chase mobile app under account details, or by calling Chase customer service.
  • Wire transfers cannot be reversed once sent, so confirm the sender has the correct account number before they initiate the transfer.
  • Chase does not charge you a fee to receive a wire transfer, but the sender's bank may charge them to send it.

Where to find your routing number and account number

Your routing number is a nine-digit code that identifies your specific Chase branch. Your account number is typically 10 to 12 digits and identifies your individual account. Both appear on the bottom left of any check you have from that account — the routing number comes first, then the account number.

If you do not have checks, open the Chase mobile app, tap the account you want to receive the wire into, and select "Account Details" or "Account Information." Both numbers appear there. You can also call Chase customer service at the number on the back of your debit card and ask them to read both numbers to you over the phone. Make sure you are calling from a number Chase has on file, as they will verify your identity before giving out this information.

The routing number depends on which state and branch your account is tied to. If you opened your account at a Chase branch in California, your routing number is different from someone who opened theirs in New York. If you are unsure which routing number applies to your account, the Chase app or a phone call to customer service will give you the correct one.

How long a wire transfer takes to arrive

Most wire transfers sent during business hours (Monday through Friday, 8 a.m. to 5 p.m. Eastern Time) arrive in your Chase account within one business day. Some arrive the same day, depending on what time the sender's bank processes the wire and what time Chase receives it. Wires sent after 5 p.m. or on weekends are typically processed the next business day.

If a wire does not arrive within two business days, contact Chase customer service with the sender's name, the amount, and the date they sent it. Chase can check whether the wire arrived at the bank and where it is in the system. If the wire was sent to the wrong account number, Chase may not be able to recover it, but they can tell you what happened and advise you on next steps.

What information to give the sender

Provide the sender with your full name (exactly as it appears on your account), your account number, and your routing number. Some senders may also ask for your address or phone number — this is optional information that helps them match the wire to your account, but it is not required for the transfer to go through.

Do not give out your PIN, password, or Social Security number to receive a wire. Chase will never ask you for these, and neither should the sender. If someone claims they need this information to send you a wire, it is a scam.

If the sender is sending money from outside the United States, they may need additional information such as your bank's SWIFT code (Chase's SWIFT code is CHASUS33) or an IBAN number. Chase can provide this if you ask, but most domestic U.S. wire transfers only need the routing number and account number.

Fees for receiving a wire transfer at Chase

Chase does not charge you a fee to receive a wire transfer into your checking or savings account. The cost, if any, falls on the sender — their bank may charge them an outgoing wire fee, which typically ranges from $15 to $30 depending on the bank.

Some banks charge different fees for domestic wires (within the U.S.) and international wires (from outside the U.S.). If the sender is sending from abroad, they should check with their own bank about their fees, not Chase.

What happens if the wire goes to the wrong account

If the sender enters your account number incorrectly, the wire may be deposited into another Chase customer's account. Wire transfers cannot be reversed like checks or ACH transfers can. The sender would need to contact their bank and request a reversal, but the other account holder would have to consent to send the money back.

This is why it is critical to double-check your account number with the sender before they initiate the transfer. Read it out loud, have them repeat it back, and confirm it matches what is on your checks or in your app. If a wire does arrive in your account that you did not expect and did not authorize, contact Chase when ready — they can help determine whether it was sent to you by mistake.

Wire transfers versus other ways to receive money

Wire transfers are faster than ACH transfers (which take three to five business days) and checks (which take five to seven business days). They are also more find than cash or payment apps, because the money goes directly into your bank account and cannot be lost or stolen in transit.

The trade-off is that wire transfers are permanent. Once the sender's bank sends the money, you cannot cancel it or get it back if you change your mind. ACH transfers and checks can be stopped or reversed within a certain window, but wires cannot. This is why wires are common for large purchases like real estate or car sales, where both parties are confident in the transaction.

Frequently Asked Questions

Can I receive a wire transfer into a Chase savings account, or only checking?

You can receive a wire transfer into either a Chase checking or savings account. Provide the sender with the routing number and account number for whichever account you want the money to go into. The process is the same for both account types.

What if I do not know my routing number?

Call Chase customer service at the number on the back of your debit card, check your checks, or open the Chase mobile app and look under account details. All three will show you your routing number within minutes. You can also search "Chase routing number" plus your state online, though calling or checking the app ensures you get the number for your specific branch.

Do I need to tell Chase I am expecting a wire transfer?

No. Wire transfers are automatically deposited into your account once they arrive. You do not need to notify Chase in advance. You will see the deposit in your account balance and transaction history once it clears.

How do I know if a wire transfer has arrived?

Check your Chase account balance in the app or online, or call Chase customer service. Wire transfers show up in your transaction history as "wire transfer" or "incoming wire." You will also receive a notification if you have alerts turned on in the Chase app.

What if the sender says they sent a wire but I do not see it?

Contact Chase customer service with the sender's name, the amount, and the date they sent it. Chase can look up whether the wire arrived at the bank, whether it is still processing, or whether it was sent to a different account. If it has been more than two business days, ask Chase to investigate further.