Chase QuickPay® with Zelle®

It’s simple to send and receive money from virtually anyone you know, Chase customer or not.

Fast

Send and receive money in moments, so no more waiting days or paying fees like other apps to access your money right away.

Convenient

Zelle works with most banks so you can send and receive money in moments, with virtually anyone you know. All you need is the recipient's mobile number or email to send money directly to their checking account.

Secure

Your account information stays protected. Multiple security checks have been added to make sure you're sending and receiving money to/from the right person.

Not a Chase customer? Learn more about Chase Checking accounts.

   

Already using the Chase Mobile App?

The benefits of sending and receiving money are already in the Chase Mobile App, so there is no new app to download or extra steps to take. Just sync your contacts from your mobile phone to make it easier for friends and family to send you money. Plus, with Chase QuickPay with Zelle you can split the bill, and set up future and recurring payments to virtually anyone, right from the mobile app.

FAQs

Answers to the most common questions

How can I access Chase QuickPay with Zelle?

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It is available in the Chase Mobile App, on Chase.com and in the Chase Pay App.

What is Chase QuickPay with Zelle?

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Chase QuickPay® is now better together with Zelle℠. Zelle (formerly clearXchange) is a person-to-person payment service available to almost anyone with a U.S. bank account. It's now easier than ever to pay back a friend for dinner, even if he or she doesn't bank with Chase.

Chase QuickPay® with Zelle℠ gives you a faster, easier and more convenient way to send money to and receive money from customers at other member banks, such as Bank of America, Wells Fargo and U.S. Bank. For a current list of participating banks, please go to zellepay.com.

Do I need to be a Chase customer to use Chase QuickPay with Zelle?

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Yes, you’ll need a Chase checking account or a Chase Liquid card to use Chase QuickPay with Zelle. Not a Chase customer? Learn more about Chase checking accounts.

How do I enroll in Chase QuickPay with Zelle?

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If you’re a Chase customer with a Chase checking account or a Chase Liquid card, follow these steps to set up Chase QuickPay with Zelle:

  1. Sign in to chase.com with your username and password.
  2. Choose “Chase QuickPay with Zelle" from the “Pay & transfer” menu.
  3. Read and accept the Chase QuickPay Service Agreement and Privacy Notice.
  4. We’ll send you a one-time code so you can verify your email address and/or mobile number.
  5. Choose the checking account or Chase Liquid card you want to use. Start using Chase QuickPay with Zelle to send, receive and request money.

If you’re a Chase customer with a checking account or a Chase Liquid card, but you don’t have chase.com profile:

  1. Go to chase.com and enroll to set up your profile.
  2. Follow the steps above to set up Chase QuickPay with Zelle.

Is Chase QuickPay with Zelle free?

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Yes. You can use Chase QuickPay with Zelle to send and receive money at no charge. Message and data rates may apply depending on your mobile service provider.

When will the money be available?

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Timing for payments you send:

  • If your recipient is another Chase customer, he or she will usually get the money a few minutes after you send it, but no later than the next business day.
  • If your recipient’s bank is a Zelle member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipient’s bank doesn’t support real-time payments, the money should be available in 1 to 2 business days.
  • If your recipient’s bank isn’t a Zelle member, the money should be available 1 to 2 business days after you send it, depending on the other bank’s processing time.
  • If your recipient is using the Zelle app to receive payments, they’ll get their money soon after it’s sent.

Timing for payments you receive:

  • If your sender is another Chase customer, you’ll usually get the money a few minutes after it’s sent, but no later than the next business day.
  • If your sender’s bank is a Zelle member and supports real-time payments, you’ll usually get the money a few minutes after it’s sent. If the bank doesn’t support real-time payments, you’ll get the money in 1 to 3 business days.
  • If your sender’s bank isn’t a Zelle member, you’ll get the money in 4 to 5 business days. It usually takes 1 to 2 business days for us to receive the money from the sender’s bank. Then, we apply a hold to confirm that the other bank hasn’t rejected the transfer before the money becomes available in your Chase account.
  • If your sender is using the Zelle app to send payments, you’ll get the money soon after it’s sent.

I just started using Zelle, where is my money?

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When you register, it may take between one and three business days to receive your first payment. This is a security feature of our network designed to reduce risk and protect you whenever you're sending or receiving money. Once you've completed your first payment, future payments between you and activated Zelle users will typically move in minutes.

Are there limits to the amount of money I can send and receive?

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There are no limits to the amount of money you can receive.

The limits on how much money you can send depend on the type of account you’re using:

  • From personal Chase checking accounts or Chase Liquid cards, you can send up to $2,000 in a single transaction, up to $2,000 a day and $16,000 in a calendar month.
  • From Chase Private Client or Private Banking client accounts, you can send up to $5,000 in a single transaction, up to $5,000 a day and $40,000 in a calendar month.
  • From Chase business checking accounts, you can send up to $5,000 in a single transaction, up to $5,000 a day and $40,000 in a calendar month.

Keep in mind: These transfer limits are for your combined accounts. Participating Zelle member banks and out-of-network banks set the limits on transfers sent to or received from Chase accounts.

Is Chase QuickPay with Zelle secure?

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Your security matters to us. Our products and services are secure, and we work hard to help ensure your account information stays secure. When you use Chase QuickPay® with Zelle℠, your recipients won’t see your account number, and you won’t see theirs.

How do I keep my account protected?

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Make sure you send money to people you know and trust in order to avoid scams and protect your account. We don't protect or cover purchases if you use QuickPay to pay for goods or services.

How do I find who I want to send money to?

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Just sync your contacts from your mobile phone to make it easier for friends and family to send you money.

How do I split a charge from my account activity with QuickPay with Zelle?

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To split a charge in the app, go to your credit card, checking or Liquid® account activity, swipe left on a charge until the "Split" button appears and choose "Split." This will take you into the Request and Split money flow within QuickPay and from there you can choose or add contacts you’d like to split the charge with.

 

If you’re not enrolled in QuickPay and you have an eligible checking or Liquid account, splitting a charge will take you to QuickPay enrollment.

 

If you don’t see the "Split" button when you swipe left, you might have hidden your checking/Liquid accounts or you may not have an eligible checking or Liquid account.

Do non-Chase customers have to enroll in Chase QuickPay with Zelle to use it?

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Non-Chase customers should sign up with their bank’s online person-to-person payment service or go to zellepay.com for more options. Non-Chase customers can also send and receive money directly through the Zelle app.

What’s the difference between Chase QuickPay with Zelle and Chase Online Bill Pay?

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Chase QuickPay with Zelle is a person-to-person payment service that lets you send and receive money from anyone with a U.S. bank account using an email address or mobile number.

 

You can use Chase Online Bill Pay for one-time and scheduled payments for your recurring monthly bills (for example, your rent or mortgage, utilities, credit card bills and car payments).

Have more questions?

   

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