The fastest way to move money out of Chase
You can transfer money from Chase to another bank in three ways: through an external transfer using Chase's website or app, by having the other bank pull the money directly from your Chase account, or by writing a check. The fastest digital method is usually an external transfer, which takes one to three business days. If you need the money to arrive the same day, Chase offers a same-day transfer option, though it costs money and has limits on how much you can send.
Before you start, you will need the other bank's routing number and your account number there. You can find a routing number by searching online for "[bank name] routing number" or by calling the bank directly. Have both numbers ready before you log into Chase.
Key Takeaways
- External transfers through Chase's website or app are free and take one to three business days, and you only need the receiving bank's routing number and your account number there.
- Chase's same-day transfer option costs money (the fee varies) and has a daily limit on how much you can send, usually between $1,000 and $10,000 depending on your account history.
- You can also set up an incoming transfer, where the other bank pulls money directly from your Chase account using your routing number and account number.
- If you do not have the other bank's routing number, call that bank or search for it online — do not guess, because a wrong number can delay or misdirect your transfer.
Setting up an external transfer through Chase's website
Log into your Chase account online and look for a link labeled "Transfer money" or "Send money to another bank." The exact wording changes, but it is usually in the main menu or under a "Transfers" tab. Click it, then select "External transfer" or "Transfer to another bank" — again, the exact wording varies by account type.
Chase will ask you to enter the receiving bank's routing number, your account number at that bank, and the account type (checking or savings). Double-check all three before you continue. Then enter the amount you want to transfer and the date you want it to leave your Chase account. Chase will confirm the details and ask you to approve the transfer. Once you approve it, the transfer is scheduled and you cannot cancel it through the app — you will need to call Chase if you change your mind before it processes.
The transfer will leave your Chase account within one business day and arrive at the other bank within one to three business days after that. You will see it pending in your Chase account right away, but it will not show up at the other bank until it has fully processed.
Using Chase's same-day transfer option
If you need the money to arrive the same day, Chase offers a same-day transfer service. The cost and daily limit depend on your account type and history — some accounts allow up to $10,000 per day, while others are limited to $1,000 or less. You can check your limit by looking at the transfer screen in the app or by calling Chase.
To use same-day transfer, follow the same steps as a regular external transfer, but select "same-day" or "expedited" when Chase asks how fast you want the money to move. Chase will show you the fee before you confirm. The money will leave your Chase account the same day and arrive at the other bank by the end of that business day. If you request it after 5 p.m. Eastern Time, it will process the next business day instead.
Transferring money through the Chase mobile app
The mobile app works the same way as the website. Open the app, tap "Transfer" or "Transfers," then select "External transfer" or "Send to another bank." Enter the receiving bank's routing number, your account number there, and the amount. The app will ask you to confirm the details and choose a transfer date. Once you approve it, the transfer is scheduled.
One advantage of the app is that you can take a photo of a check or document to verify the account information if you are unsure. Some versions of the app also let you save the receiving bank as a favorite, so you do not have to re-enter the routing number and account number every time.
Having another bank pull money from your Chase account
Instead of pushing money out of Chase, you can let the other bank pull it. This is called an incoming transfer or ACH transfer. You will need to give the other bank your Chase routing number and your Chase account number. You can find your routing number by logging into Chase online, calling Chase, or searching online for "Chase routing number [your state]" — the routing number varies by state and branch.
Once you give the other bank this information, they will set up the transfer on their end. It usually takes one to three business days, the same as a transfer you initiate from Chase. The advantage is that you do not have to log into Chase at all — you just provide the information once and the other bank handles the rest. The disadvantage is that you have less control over the timing, since the other bank decides when to pull the money.
What to do if the transfer fails or goes to the wrong account
If you entered the wrong routing number or account number, the transfer may bounce back to your Chase account or go to someone else's account. If it bounces back, you will see it return to Chase within three to five business days. If it went to the wrong account, call Chase right away — they can sometimes recall the transfer if it has not been processed yet, but once it has been accepted by the other bank, Chase cannot get it back.
To avoid this, always double-check the routing number and account number before you confirm the transfer. If you are not sure, call the other bank and ask them to confirm both numbers. It takes five minutes and can save you days of trouble.
Transferring large amounts or frequent transfers
Chase may flag large transfers or frequent transfers as unusual activity. If this happens, Chase may temporarily hold the transfer or call you to confirm it is really you. This is a security measure to prevent fraud. If Chase contacts you, answer their questions and confirm that you authorized the transfer. Once you do, the transfer will go through.
If you plan to transfer money regularly to the same account, you can set up a recurring transfer. This tells Chase to repeat the transfer on a schedule you choose — weekly, monthly, or on specific dates. You can edit or cancel a recurring transfer at any time through the app or website.
Frequently Asked Questions
How long does a transfer from Chase to another bank take?
A standard external transfer takes one to three business days. Same-day transfers arrive by the end of the same business day if you request them before 5 p.m. Eastern Time. Weekends and holidays do not count as business days, so a transfer requested on Friday may not arrive until Tuesday.
Can I cancel a transfer after I have approved it?
It depends on how far the transfer has progressed. If you cancel it before it leaves your Chase account, you can stop it by calling Chase. Once it has left Chase and is on its way to the other bank, Chase cannot recall it. Call Chase as soon as you realize you need to cancel.
What if I do not know the other bank's routing number?
Search online for "[bank name] routing number [your state]" or call the bank directly. Do not guess or use a number you are not sure about — a wrong routing number can delay your transfer or send the money to the wrong place.
Is there a limit on how much I can transfer?
Chase sets daily and monthly limits on external transfers. The limits vary by account type and your history with Chase. Check your limit in the app or website before you transfer, or call Chase to ask what your limit is.
Do I have to pay a fee to transfer money to another bank?
Standard external transfers are free. Same-day transfers cost money — the fee varies depending on your account type. Call Chase or check the app to see what the fee is before you confirm a same-day transfer.