The fastest way depends on where the money is going
You can move money from a Chase savings account to another Chase account in minutes using the mobile app or online banking. Moving money to a different bank takes one to three business days and requires the receiving account's routing and account numbers. Moving cash out physically means visiting a branch or using an ATM, though ATM withdrawals are limited by daily limits that vary by account type.
The method you choose affects how fast the money arrives, what information you need, and whether fees explore. Chase does not charge for transfers between your own accounts or to other people's accounts at Chase, but transfers to banks outside the Chase network may carry fees depending on how you send the money.
Key Takeaways
- Transfers between your own Chase accounts happen when ready through the app or online banking, with no fees.
- Sending money to another bank requires the receiving account's routing number and account number, and takes one to three business days.
- Chase's daily ATM withdrawal limit is typically $500 to $1,000 depending on your account type, and cash withdrawals at the branch have no set limit.
- External transfers using Chase QuickPay or wire transfer have different speeds and costs — QuickPay is free but slower, wire transfer is faster but costs $15 to $20.
- If you need the money urgently and the receiving bank is not Chase, wire transfer is the only option that moves money the same business day.
Moving money between your own Chase accounts
If you have multiple accounts at Chase — a savings account and a checking account, for example — you can move money between them when ready through Chase's website or mobile app. Log into your account, select "Transfers," choose the savings account as the source and the other account as the destination, enter the amount, and confirm. The money appears in the receiving account within minutes.
This method is free and has no daily limit. You can move as much as you want in a single transfer or split it across multiple transfers. There is no waiting period and no fees, even if you move the money back and forth multiple times in the same day.
Sending money to someone else's Chase account
Chase QuickPay is the free way to send money to another person who has a Chase account. You need their email address or phone number, not their account number. Log into your Chase account, select "Send Money," enter the recipient's email or phone, the amount, and a note if you want one, then confirm.
The recipient gets a notification and can accept the money into their Chase account. The transfer is free and usually completes within one business day, though it can take up to three. If the recipient does not have a Chase account, they can still receive the money but will be directed to set one up or provide banking details for a different bank.
Transferring to a bank that is not Chase
Moving money to another bank requires you to set up an external transfer. You will need the receiving bank's routing number and the account number for the account you are sending to. You can find the routing number on the receiving bank's website or by calling them.
Log into Chase online banking, select "Transfers," then "Transfer to another bank." Enter the receiving bank's routing number, the account number, and the amount. Chase will verify the account by depositing two small amounts (usually under $1) into the account, then asking you to confirm those amounts. This verification takes one to two business days. Once verified, future transfers to that account take one to three business days.
Chase does not charge a fee for standard external transfers. However, if you use a service like Zelle (which Chase offers through its app) or request an expedited transfer, fees may explore. Zelle transfers are free and typically complete within minutes to a few hours if the recipient's bank supports it.
Wire transfers for same-day movement
A wire transfer moves money the same business day, but costs $15 to $20 depending on whether the receiving bank is domestic or international. You can initiate a wire transfer through Chase online banking or by calling Chase directly. You will need the receiving bank's routing number, the account number, and the recipient's name.
Wire transfers are final once sent — you cannot cancel or reverse them if the receiving account information is wrong. Confirm all details with the recipient before sending. Domestic wire transfers typically arrive within hours; international wires take one to two business days depending on the receiving country.
Withdrawing cash at a branch or ATM
You can withdraw cash at any Chase branch during business hours with no limit. Bring your debit card or account number and a photo ID. The teller will count out the cash and you walk out with it when ready.
ATM withdrawals are subject to a daily limit. For most Chase accounts, the limit is $500 to $1,000 per day, though some premium accounts allow higher limits. If you need more than your daily limit, you can make multiple withdrawals on different days, or visit a branch and withdraw in person.
Fees and limits to know
| Transfer Type | Fee | Speed | Daily Limit |
|---|---|---|---|
| Between your own Chase accounts | None | when ready | None |
| Chase QuickPay to another person | None | 1–3 business days | Varies by account |
| External transfer to another bank | None | 1–3 business days | Varies by account |
| Zelle transfer | None | Minutes to hours | Varies by account |
| Domestic wire transfer | $15–$20 | Same business day | Varies by account |
| ATM cash withdrawal | None | when ready | $500–$1,000 |
| Branch cash withdrawal | None | when ready | None |
Chase savings accounts may have withdrawal limits under federal Regulation D, which historically capped savings withdrawals at six per month. Chase removed this limit in 2020, so you can now make as many transfers and withdrawals as you want. However, if you exceed a certain number of transfers in a month, Chase may convert your account to a checking account or charge a fee — check your account terms for the specific threshold.
Your account type also affects transfer limits. Some Chase savings accounts have lower daily transfer limits than others, particularly if your account is newer or has had fraud activity. You can see your current limits by logging into the Chase app, going to Settings, and selecting "Account Limits," or by calling Chase customer service.
Frequently Asked Questions
How long does it take to transfer money from Chase to another bank?
Standard external transfers take one to three business days. Zelle transfers through Chase are faster — usually minutes to a few hours — if the receiving bank supports Zelle. Wire transfers are the fastest option at same-day delivery, but cost $15 to $20.
Can I transfer money from Chase savings to checking at a different bank?
Yes. You need the receiving bank's routing number and the checking account number. Set up the external transfer through Chase online banking, verify the account with the two small deposits, then initiate the transfer. It takes one to three business days.
What happens if I enter the wrong account number?
For standard transfers, the receiving bank will reject the transfer if the account number does not match their records, and the money returns to your Chase account within a few days. For wire transfers, the money may be sent to the wrong account and cannot be reversed, so always confirm account details before sending a wire.
Is there a limit to how much I can transfer from my Chase savings account?
Chase does not set a hard cap on transfer amounts, but your account may have daily or monthly limits depending on your account type and history. Check your account settings in the Chase app or call Chase to confirm your specific limits.
Can I set up automatic transfers from my Chase savings account?
Yes. Through Chase online banking, you can schedule recurring transfers to another Chase account or to an external bank account you have already verified. Set the amount, frequency, and start date, and Chase will move the money automatically on that schedule.