The fastest way to transfer money into Chase savings

You can move money into a Chase savings account in minutes using Chase's mobile app or website, or by visiting a branch in person. The method you choose depends on where the money is coming from — whether it's already in another Chase account, at a different bank, or in cash.

If the money is in another Chase checking or savings account you own, the transfer happens when ready and costs nothing. If it's at a different bank, Chase can pull it directly using your other bank's routing and account number, which usually takes one to three business days. If you have cash, you can deposit it at any Chase ATM or branch location.

Key Takeaways

  • Transfers between your own Chase accounts happen when ready through the app, website, or phone and are always free.
  • Moving money from another bank into Chase savings takes one to three business days and requires that bank's routing number and your account number there.
  • Cash deposits at Chase ATMs or branches post to your savings account the same day or next business day depending on the time of deposit.
  • Chase's mobile app is the fastest way to set up a transfer if you have your other bank's account details on hand.

Transferring from another Chase account you own

If you have money in a Chase checking account or another Chase savings account, moving it to your target savings account takes seconds. Open the Chase mobile app or go to chase.com, sign in, and select "Transfer Money" or "Transfers & Payments." Choose the account you want to transfer from and the savings account you want to transfer to, enter the amount, and confirm.

The money appears in your savings account when ready. There is no fee, no waiting period, and no limit on how many transfers you can make between your own Chase accounts in a single day. If you prefer not to use the app or website, you can call Chase customer service at the number on the back of your card and request the transfer over the phone.

Pulling money from a bank account at another institution

Chase can initiate a transfer directly from your account at another bank. You will need your routing number and account number from that bank. Your routing number is a nine-digit code that identifies your bank; your account number is unique to you. Both appear on the bottom left of your checks, or you can call your bank to ask.

Go to chase.com or open the Chase app, select "Transfer Money," and choose "Transfer from another bank." Enter the routing number, account number, and the amount you want to move. Chase will pull the money from your other bank and deposit it into your Chase savings account. This process usually takes one to three business days, though some banks process faster than others.

The first time you transfer from a new bank account, Chase may hold the money for a few extra days as a fraud check. This is normal and does not mean anything is wrong. After the first successful transfer, subsequent transfers from the same account usually clear faster.

Depositing cash at a Chase ATM or branch

If you have physical cash, you can deposit it directly into your savings account at any Chase ATM or branch location. At an ATM, insert your Chase debit card, select "Deposit," choose your savings account, insert the bills (the ATM accepts cash only, not coins), and confirm the amount. The ATM will count the money and give you a receipt.

Cash deposits at Chase ATMs typically post to your account the same day if you deposit before 9 p.m. Eastern Time on a business day. Deposits made after 9 p.m. or on weekends and holidays usually post the next business day. If you prefer to hand the cash to a person, visit any Chase branch during business hours, bring your debit card or ID, and tell the teller you want to deposit cash into your savings account.

Using Chase QuickDeposit if you have a check

If the money you want to transfer is a check, you do not need to visit a branch or ATM. Open the Chase mobile app, select "Deposit a Check," take a photo of the front and back of the check, and select which account to deposit it into. Chase will process the check and the funds usually appear in your savings account within one business day.

Make sure the check is made out to you and that you endorse it (sign the back) before taking the photo. The app will tell you if the image is too blurry or if information is missing. Mobile check deposits have a limit — Chase typically allows up to $2,500 per check and $5,000 per day, though these limits can vary based on your account history.

Setting up automatic transfers to your savings account

If you want money to move into your savings account on a regular schedule — weekly, biweekly, or monthly — you can set up an automatic transfer. Open the Chase app or website, go to "Transfer Money," and select "Set Up Recurring Transfer." Choose the account to transfer from, the savings account to transfer to, the amount, and how often you want the transfer to happen.

Automatic transfers between Chase accounts happen on the schedule you set with no action needed from you. This is useful if you want to build savings automatically from each paycheck or move a fixed amount every month. You can change or cancel the transfer at any time through the app or website.

What to do if a transfer gets stuck or fails

If you initiated a transfer and it has not arrived after the expected time, first check that you entered the correct routing number and account number. A single wrong digit will cause the transfer to fail or go to the wrong account. Log into your Chase account and look at the transfer history to see if it shows as "pending," "failed," or "completed."

If it shows as failed, Chase will usually return the money to the account you transferred from within one to three business days. If it shows as pending and more than three business days have passed, contact Chase customer service. Have your transfer confirmation number ready — you can find it in your transfer history. Chase can investigate where the money is and push it through if there is a delay on the receiving bank's end.

Frequently Asked Questions

Can I transfer money from a credit card into my Chase savings account?

No. Chase does not allow transfers from credit cards into savings accounts because credit card transfers are treated as cash advances, which carry fees and higher interest rates. You would need to pay off the credit card balance first using a checking account or another payment method.

Is there a limit on how much I can transfer into my savings account?

Transfers between your own Chase accounts have no limit. Transfers from another bank may have daily or monthly limits depending on your account type and history. Check your account settings or call Chase to confirm your specific limits.

Why does my transfer from another bank say "pending" after three days?

Occasionally the receiving bank (Chase) or the sending bank delays processing. Contact Chase customer service with your transfer confirmation number. They can check the status and contact the other bank if needed to complete the transfer.

Do I pay a fee to transfer money into my Chase savings account?

No. Transfers between your own Chase accounts are free. Transfers from another bank are also free. Cash deposits at Chase ATMs and branches are free. The only exception is if you use a third-party service to initiate the transfer, which may charge its own fee.

What happens if I deposit cash after the ATM closes for the day?

Cash deposits made after 9 p.m. Eastern Time or on weekends and holidays will post the next business day. If you need the money to be available sooner, visit a Chase branch during business hours and deposit with a teller instead.