What you need to give the person sending you money
To receive a wire transfer into a Chase account, you need to provide the sender with your routing number, account number, and your full name as it appears on your account. The sender will use these details at their own bank to instruct their bank to move money to yours.
You do not need to do anything at Chase to prepare to receive a wire. The money arrives because the sender's bank pushes it to Chase using the routing and account information you gave them. Once Chase receives it, the funds appear in your account.
The sender may also ask for your bank's name and address. For Chase, you can say "Chase Bank" and provide the address of any Chase branch, or straightforward tell them to use the routing number — most banks' systems will populate the bank name automatically once the routing number is entered.
Key Takeaways
- Your Chase routing number is 021000021 for most domestic wire transfers, though some regions use different numbers — call Chase or check your account online to confirm yours.
- Your account number appears on the bottom left of your checks and in the Chase mobile app or online banking under account details.
- Wire transfers typically arrive within one business day, though some take longer depending on the sending bank's processing speed.
- Once the money arrives, it is yours to use — Chase does not hold wires pending verification the way they sometimes do with checks.
- If you are unsure whether a wire has arrived, log into your Chase account online or call Chase customer service to confirm the deposit.
Where to find your routing and account numbers
Your account number is the easiest to locate. Open the Chase mobile app or log into Chase.com, go to your account details, and you will see it listed. If you have checks, the account number is the middle set of digits on the bottom of any check — usually 10 to 12 digits long.
Your routing number for domestic wires is usually 021000021, but this varies by region and account type. The safest approach is to call Chase at the number on the back of your debit card and ask them to confirm your routing number for wire transfers. They will give you the exact number for your specific account in under a minute.
You can also find routing numbers on Chase's website by entering your state, though calling is faster and removes any doubt. Do not guess — using the wrong routing number means the wire goes to the wrong bank and takes days to correct.
How long it takes for the money to arrive
Most domestic wire transfers arrive in your Chase account within one business day. Many arrive the same day if sent before the sending bank's cutoff time, which is usually mid-afternoon. Wires sent after hours or on weekends arrive the next business day.
International wires take longer — typically three to five business days — because they move through multiple banks in different countries. The sending bank can tell you how long their international wires usually take.
Once the wire arrives at Chase, the money is in your account when ready. Chase does not place a hold on wire transfers the way they sometimes do with checks. You can withdraw or transfer the money right away.
What happens if the wire goes to the wrong account
If you gave the sender an incorrect routing or account number, the wire will arrive at a different bank or account. The sender's bank will have a record of where it went. Contact the sending bank and ask them to initiate a wire recall — they will work with the receiving bank to return the money.
This process can take several days to a few weeks. The receiving bank is not required to return the money if the account holder has already withdrawn it, so speed matters. If you sent the wire yourself and realize the mistake when ready, call your bank's wire department right away and ask them to recall it before it settles.
To avoid this, read back the routing and account number to the sender before they submit the wire, or have them confirm the details with you in writing.
Wire transfer fees at Chase
Chase does not charge you a fee to receive a wire transfer. The sender may pay a fee at their own bank for sending it — most banks charge $15 to $30 to send a domestic wire — but that is their cost, not yours.
If you are sending money out of Chase to someone else, Chase charges a fee for that. But receiving is free.
Confirming the wire arrived
Log into your Chase account online or through the mobile app and check your account balance and recent transactions. Wire transfers appear as deposits with the sender's name and a reference number. If you are expecting a wire and do not see it after one business day, call Chase customer service at the number on the back of your card.
Have the sender's name, the amount, and the date they sent it ready when you call. Chase can look up whether the wire arrived at their bank and where it went. If there was an error in the routing or account number, Chase can tell you which bank received it instead.
Frequently Asked Questions
Do I need to tell Chase I am expecting a wire transfer?
No. Wire transfers arrive automatically once Chase receives them from the sending bank. You do not need to notify Chase in advance or do anything to prepare your account.
What if the sender asks for a code or password to send the wire?
Do not give them one. Legitimate wire transfers only need your routing number, account number, and name. If someone claims they need a password or code from you to send money, it is a scam. Hang up and call the organization back using a number you find yourself.
Can I receive a wire transfer into a savings account instead of checking?
Yes. Wire transfers can go into any type of Chase account — checking, savings, or money market. Just provide the routing number and account number for whichever account you want the money in.
What if the wire transfer amount does not match what we agreed on?
Contact the sender when ready and ask them to check the amount they sent. If they sent the wrong amount by mistake, they can send an additional wire for the difference, or you can return the overage. Do not assume the amount is correct just because it arrived.
Can I receive a wire transfer if my Chase account is closed?
No. If your account is closed, the wire will be rejected and returned to the sender's bank. If you closed your account recently and are expecting a wire, open a new Chase account and have the sender resend it to your new account number.