How To Wire Money Into a Chase Bank Account

The two ways to send money to a Chase account

You can wire money to a Chase account in two ways: through Chase's own wire transfer service if you bank there, or through another bank or wire service if you don't. The receiving person needs a Chase account, and you'll need their account number and the Chase routing number for their branch. Chase's routing number varies by location, so you or the recipient should confirm the correct one before you send anything.

If you're sending money from outside Chase, you'll go through your own bank's wire transfer system and provide Chase's routing number along with the recipient's account details. If you're a Chase customer sending from your own account, you can initiate the wire through Chase's website, mobile app, or by calling a branch.

Both methods move money the same day or next business day, though timing depends on when you send it and whether it's a weekday. Wire transfers are permanent once sent, so double-check the account number and routing number before you confirm.

Key Takeaways

• You need the recipient's Chase account number and the correct Chase routing number for their branch location before you start.
• Chase customers can wire money through the Chase website, mobile app, or by phone to a Chase branch.
• If you bank elsewhere, you'll initiate the wire through your own bank and provide Chase's routing number and the recipient's account details.
• Wire transfers post the same day or next business day, and you cannot cancel or reverse them once sent.
• Chase charges a fee for outgoing domestic wire transfers; the amount depends on whether you send it online or in person at a branch.

Wiring money from a Chase account

Log into your Chase account online or open the Chase mobile app. Look for the "Transfers" or "Send Money" section — the exact label varies depending on which platform you're using. Select "Wire Transfer" or "Send a Wire."

Enter the recipient's full name, their Chase account number, and the routing number for the Chase branch where they bank. Chase will ask you to confirm these details before you proceed. Choose the amount you want to send and review the wire fee, which Chase deducts from your account. Confirm the transfer, and Chase will process it the same business day if you send it before the cutoff time (usually 2 p.m. or 5 p.m. depending on your time zone).

If you prefer to wire money in person, visit a Chase branch with your ID and the recipient's information. A banker will help you fill out the wire transfer form and process it on the spot. In-person wires may have a different fee than online wires.

Wiring money from another bank to Chase

Contact your own bank and ask to send a domestic wire transfer. You can usually do this online, through your bank's app, or by calling the bank. Your bank will ask for the recipient's name, their Chase account number, and the routing number for their Chase branch.

Provide your bank with the correct Chase routing number — this is critical because a wrong number can delay or misdirect the transfer. If you're unsure which routing number to use, ask the Chase account holder to check their account or call a Chase branch. Your bank will show you the wire fee before you confirm.

Once you confirm, your bank processes the wire and sends it to Chase. Timing depends on your bank's cutoff time and whether it's a business day. Most wires arrive the same day or the next business day.

Finding the correct Chase routing number

Chase routing numbers are different for each state and sometimes for different regions within a state. The recipient can find their routing number by logging into their Chase account online or through the app — it's usually listed on the account details page or on a deposit slip. They can also call their local Chase branch and ask for the routing number.

You can also search for the routing number on Chase's website by entering the state and city where the account holder banks. Do not guess or use a routing number you find on an old check, because Chase has consolidated branches and changed routing numbers over time.

Write down the routing number and account number before you start the wire transfer. Mistakes in either one can cause the money to go to the wrong account or be delayed while Chase sorts it out.

Wire transfer fees and timing

Chase charges a fee for outgoing domestic wire transfers. The fee is smaller if you send the wire online through your Chase account than if you send it in person at a branch, but the exact amount changes and depends on your account type. Check your Chase account or call a branch to confirm the current fee before you send.

Wire transfers typically post within one business day. If you send a wire before the cutoff time on a weekday, it usually arrives the same day. If you send it after the cutoff or on a weekend, it arrives the next business day. Chase does not process wires on Saturdays, Sundays, or federal holidays.

Once the wire is sent, you cannot cancel it or get the money back. Chase will give you a confirmation number when the transfer is complete. Keep this number in case you need to track the wire or dispute it later.

What to do if the wire transfer goes wrong

If the money doesn't arrive within two business days, contact Chase when ready. Have your confirmation number ready and the recipient's account number. Chase can trace the wire and find out where it is.

If the money went to the wrong account because of an incorrect account number or routing number, Chase can sometimes recover it, but this takes time and is not always possible. The receiving bank has to contact the account holder and ask them to return the funds. This is why confirming the account number and routing number before you send is so important.

If you sent the wire from another bank, contact that bank first. They initiated the transfer and can help you trace it or file a dispute if something went wrong.

Frequently Asked Questions

How long does a wire transfer to Chase take?

Most domestic wire transfers to Chase arrive the same business day if you send them before the cutoff time (usually 2 p.m. to 5 p.m.). If you send after the cutoff or on a weekend, the wire arrives the next business day. Chase does not process wires on weekends or federal holidays.

Can I cancel a wire transfer after I send it?

No. Once a wire transfer is sent, it cannot be canceled or reversed. This is why you must confirm the account number and routing number before you send. If the wire went to the wrong account, you'll need to contact Chase and ask them to help recover the funds, but this is not always possible.

What information do I need to wire money to someone's Chase account?

You need the recipient's full name, their Chase account number, and the routing number for the Chase branch where they bank. The routing number is specific to the state and sometimes the city, so make sure you have the correct one. Ask the recipient to confirm these details before you send.

Is there a limit to how much I can wire to Chase?

Chase sets daily and monthly wire transfer limits that vary by account type and how long you've had the account. New accounts often have lower limits. Log into your Chase account or call a branch to find out your limit. You can request a higher limit, but Chase will review your account first.

What's the difference between a wire transfer and an ACH transfer?

A wire transfer moves money the same day or next business day and costs a fee. An ACH transfer takes three to five business days and is usually free. Wire transfers are faster but permanent once sent. ACH transfers can be canceled within one business day. Choose wire transfer if you need the money to arrive quickly, and ACH if you have time and want to avoid the fee.