The main ways to transfer money to Chase
You can move money into a Chase account through five routes: a wire transfer, an ACH transfer (also called an electronic transfer), a mobile check deposit, a transfer from another Chase account, or by depositing cash or a check at a Chase branch or ATM. Which one works depends on how fast you need the money there, whether you have the recipient's account details, and what you have on hand to send.
Wire transfers arrive the same business day if you send before the bank's cutoff time, usually 2 p.m. Eastern. ACH transfers take one to three business days and cost nothing. Mobile check deposit works if you have a check and the Chase mobile app. Transfers between Chase accounts happen when ready. Cash and checks deposited at a branch or ATM post within one business day, sometimes the same day depending on the time you deposit.
Key Takeaways
- Wire transfers reach a Chase account the same business day if sent before 2 p.m. Eastern, but cost $15 to $20 depending on whether the money is coming from inside or outside the United States.
- ACH transfers are free and take one to three business days, and you can set them up online through your own bank's website without calling anyone.
- Mobile check deposit through the Chase app lets you photograph a check and deposit it without visiting a branch, though the funds typically post within one business day.
- Transfers between two Chase accounts happen when ready if both accounts are registered to the same person, or within one business day if they belong to different people.
- You will need the recipient's routing number (010000000 for Chase) and account number for wire and ACH transfers, or just their Chase username or phone number if you use Chase's Zelle integration.
Wire transfers: same-day but with a fee
A wire transfer moves money directly from your bank to Chase through the Federal Reserve's wire network. The money arrives the same business day if you initiate it before your bank's cutoff time—most banks cut off between 2 p.m. and 5 p.m. Eastern. You will need the recipient's full name, Chase account number, and Chase's routing number, which is 010000000 for all Chase locations.
Wire transfers cost $15 to $20 depending on whether the money is coming from inside the United States (domestic wire) or from another country (international wire). Some banks charge less; some charge more. You set up a wire through your own bank's website, mobile app, or by calling them. Chase will not initiate the wire—your bank sends it to Chase on your behalf.
The main risk with wires is that they cannot be reversed once sent. If you send money to the wrong account number, that money is gone and recovery is difficult. Double-check the account number and recipient name before you confirm.
ACH transfers: free and standard timing
An ACH transfer (Automated Clearing House) is the most common way to move money between banks. It is free, takes one to three business days, and you can set it up through your own bank's website without speaking to anyone. You need the recipient's name, Chase account number, and Chase's routing number (010000000).
ACH transfers batch and clear through the Federal Reserve overnight, which is why they take longer than wires. If you send an ACH transfer on a Monday morning, the money typically arrives Wednesday or Thursday. If you send on a Friday after business hours, it may not arrive until the following Tuesday or Wednesday because the weekend does not count as a business day.
Unlike wires, ACH transfers can sometimes be recalled if you catch the mistake quickly—usually within one business day of sending. Contact your bank when ready if you sent money to the wrong account. Chase can also help on their end, but speed matters.
Mobile check deposit through the Chase app
If someone gave you a check, you can photograph it using the Chase mobile app and deposit it without going to a branch. Open the app, go to Deposit, select Mobile Check Deposit, take a photo of the front and back of the check, enter the amount, and confirm. The app will tell you when the funds will post—usually within one business day, sometimes the same day if you deposit early in the morning.
The check must be made out to the person whose name is on the Chase account. The app will reject it if the names do not match. You also cannot deposit a check that is more than 180 days old, and some checks—like those from government agencies or very large amounts—may require you to visit a branch instead.
After you photograph the check, do not deposit it again at a branch or ATM. Write "Deposited via mobile" on the back and keep it for your records. If the bank needs proof later, you will have it.
Transfers between Chase accounts
If both accounts are Chase accounts and registered to the same person, you can transfer money between them when ready through the Chase app or website. Go to Transfer Money, select the sending account and the receiving account, enter the amount, and confirm. The money moves when ready and shows up in both accounts right away.
If the two Chase accounts belong to different people, the transfer still goes through the same system but takes one business day to post. You will need the recipient's account number and routing number, or you can use their Chase username or phone number if they have set up Zelle through their Chase account. Zelle is Chase's peer-to-peer payment system and transfers happen within minutes if both people are enrolled.
Cash and check deposits at a Chase branch or ATM
You can deposit cash or a check at any Chase branch during business hours or at a Chase ATM 24 hours a day. For a branch deposit, hand the cash or check to a teller along with the account number or the person's debit card. For an ATM deposit, insert the envelope containing the cash or check into the ATM slot, follow the prompts, and the machine will count and confirm the amount.
Cash deposits typically post the same day if you deposit before the branch closes. Check deposits usually post within one business day. Some ATMs have limits on how much cash you can deposit at once—often $5,000 or $10,000—so if you are depositing a large amount, a branch is faster and more reliable.
Keep your receipt. The ATM will print one, and the teller will give you one at the branch. If the deposit does not show up in the account within the timeframe the bank stated, you will need the receipt to file a trace.
What information you need for each method
| Transfer Method | Information Needed | Cost | Timing |
|---|---|---|---|
| Wire transfer | Recipient name, Chase account number, Chase routing number (010000000) | $15–$20 | Same business day |
| ACH transfer | Recipient name, Chase account number, Chase routing number (010000000) | Free | 1–3 business days |
| Mobile check deposit | Check made out to account holder | Free | 1 business day (sometimes same day) |
| Chase-to-Chase transfer (same person) | Both account numbers | Free | when ready |
| Chase-to-Chase transfer (different people) | Recipient account number or Zelle username/phone | Free | 1 business day (minutes with Zelle) |
| Cash or check at branch/ATM | Account number or debit card | Free | Same day (cash) or 1 business day (check) |
Frequently Asked Questions
What is Chase's routing number?
Chase's routing number is 010000000. This number is the same for all Chase branches and accounts. You will need it to send a wire transfer or ACH transfer to any Chase account.
Can I transfer money to a Chase account if I do not have the account number?
If you have the recipient's Chase username or phone number and both of you are enrolled in Zelle, you can send money without the account number. Otherwise, you will need the account number for wire and ACH transfers. For cash or check deposits, you can use the person's debit card or ask them for their account number.
How long does a wire transfer actually take?
A wire transfer arrives the same business day if you send it before your bank's cutoff time, usually 2 p.m. to 5 p.m. Eastern. If you send after cutoff or on a weekend, it will not process until the next business day. Once it arrives at Chase, it posts to the account within minutes.
What happens if I send money to the wrong Chase account number?
Wire transfers cannot be reversed, so the money will stay in the wrong account unless the person who owns it agrees to send it back. Contact your bank and Chase when ready and provide both account numbers. They can try to recover the funds, but there is no may provide. ACH transfers can sometimes be recalled within one business day—call your bank right away if you make a mistake.
Can I deposit a check written to someone else into their Chase account?
No. The check must be made out to the person whose name is on the Chase account. If the names do not match, the mobile app will reject it and a branch will not accept it either. The person who the check is written to must deposit it themselves or sign it over to the account holder (third-party deposit), though many banks no longer accept third-party checks.