How to Move Money Into Your Checking Account

Yes, you can transfer money into your checking account from most other sources

You can move money into a checking account from another bank account you own, from someone else's account (if they authorize it), or from an outside source like an employer or government agency. The method depends on where the money is coming from and how fast you need it to arrive.

The most common routes are ACH transfers (which take one to three business days and are free), wire transfers (which arrive the same day but cost money), and mobile deposits (which let you photograph a check and deposit it through your bank's app). Some transfers happen when ready if both accounts are at the same bank.

Key Takeaways

ACH transfers between your own accounts at different banks are free and take one to three business days, making them the cheapest option for non-urgent transfers.
Wire transfers arrive the same business day but typically cost between $15 and $30, so use them only when you need money quickly.
Mobile check deposits let you photograph a check and deposit it through your bank's app, usually without visiting a branch.
Transfers from the same bank often post when ready or within hours, depending on whether you are moving money between your own accounts or receiving a payment.
You will need the routing number and account number of the account you are transferring from, or the sender will need your checking account details.

ACH transfers: the free option that takes a few days

An ACH transfer is an electronic move of money between bank accounts run through the Automated Clearing House network. It is free, but it is not when ready — the money usually arrives in one to three business days depending on when you start the transfer and your bank's processing schedule.

To start an ACH transfer into your checking account, log into your bank's website or app and look for "Transfer" or "Move Money". You will enter the routing number and account number of the account you are sending from, plus the amount. If you are receiving money from someone else (like a paycheck or a refund), they will need your checking account's routing number and account number instead.

ACH transfers work best when you are not in a hurry. They are the standard way employers send paychecks, the way government agencies send tax refunds or benefits, and the way most people move their own money between banks.

Wire transfers: fast but with a fee

A wire transfer moves money the same business day it is sent, but your bank will charge you a fee — typically between $15 and $30 depending on the bank. Use a wire transfer only when you need money urgently and cannot wait for an ACH transfer.

To send a wire into your checking account, call your bank or visit a branch. You will need to provide the routing number and account number of the sending bank, the sender's name and account number, and the amount. Some banks let you start a wire through their app or website, but many still require a phone call or in-person visit for security reasons.

Wire transfers are common for large purchases (like a down payment on a house) or time-sensitive payments. They are also harder to reverse if something goes wrong, so double-check all the account numbers before you confirm.

Mobile check deposits: photograph and submit

If you have a paper check, you can deposit it into your checking account without visiting a branch. Open your bank's mobile app, find the deposit or check feature, photograph the front and back of the check, and submit it. The money usually appears in your account within one business day, though some banks post it faster.

Mobile deposits work for checks made out to you. You will need to endorse the back of the check (sign it) before you photograph it. Some banks limit how much you can deposit this way per day or per month, so check your bank's rules if you are depositing a large check.

Same-bank transfers: when ready or nearly when ready

If both accounts are at the same bank, the transfer is usually when ready or takes only a few hours. Log into your online banking, select "Transfer" or "Move Money", choose the account you are sending from, enter the amount, and confirm. The money moves right away.

This applies whether you are moving your own money between accounts or receiving a payment from someone else who banks at the same institution. Same-bank transfers are free and do not require routing numbers — your bank already knows both accounts.

What information you need to provide

To transfer money into your checking account from another bank, you will need the routing number (a nine-digit code that identifies the sending bank) and the account number (usually 8 to 12 digits that identify the specific account). You can find both on a check from that account, or call the bank to ask.

If someone else is sending you money, give them your checking account's routing number and account number. You can find these on a check you have written, in your online banking portal, or by calling your bank. Do not share your full account number with people you do not trust, but it is safe to give it to employers, government agencies, and people you are doing legitimate business with.

Transfers that take longer than expected

ACH transfers sometimes take longer than three business days if your bank is processing a high volume of transfers, if the sending or receiving bank is closed, or if the transfer was started late in the day. Weekends and bank holidays do not count as business days, so a transfer started on Friday afternoon might not arrive until Wednesday.

If a transfer does not arrive when you expected, log into your bank account and check the status. Most banks show whether a transfer is pending, processing, or completed. If it shows completed but the money is not there, contact your bank's customer service — there may be a delay on the receiving end, or there could be an error in the account number.

Frequently Asked Questions

Can I transfer money from a savings account to a checking account at a different bank?

Yes. Use an ACH transfer if you have time (one to three business days) or a wire transfer if you need it the same day. You will need the routing number and account number of the savings account you are sending from.

How long does a wire transfer actually take?

Wire transfers sent before your bank's cutoff time (usually 2 or 3 p.m.) arrive the same business day. Wires sent after the cutoff or on weekends process the next business day. Call your bank to confirm their cutoff time.

What if I enter the wrong account number?

ACH transfers usually reject if the account number is wrong, and the money stays in your account. Wire transfers are riskier — the money may go to the wrong account and be harder to recover. Always double-check account numbers before confirming, especially for wire transfers.

Can I transfer money from a credit card to my checking account?

Not directly. Credit cards and checking accounts are different types of accounts. You can withdraw cash from a credit card at an ATM and deposit it, but that costs money in fees and interest. It is better to pay off the credit card from your checking account instead.

Is there a limit to how much I can transfer?

ACH transfers sometimes have daily or monthly limits set by your bank — often $10,000 or $25,000 per day. Wire transfers usually have higher limits. Check your bank's website or call to find out what your limits are, and ask if they can be raised for a one-time transfer.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.