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What is Pay by Bank

How you pay matters

When shopping, some merchants provide options to pay with your credit or debit card, or through your bank account (also known as ACH). You can make an informed choice about how to pay by knowing and understanding the differences between each payment method.

Not all payment methods offer the same protection

Credit and debit cards come with safeguards and features that may not be there if you pay by other means, such as entering your bank account information (account and/or routing number.)

If you pay using your Chase credit or debit card:

  • We’ll work on your behalf to resolve an issue with a purchase with the merchant, like an item arriving damaged or not arriving at all.
  • Your card purchases have fraud monitoring for unusual purchases.
  • You can lock your credit or debit card to help prevent unauthorized use.
  • You can pay directly from your bank account using your debit card without sharing your sensitive account information.

Resolving fraud differs by payment method

Fraud can happen to anyone. How you pay matters when resolving issues with a purchase.

If there’s an issue with a purchase or you suspect fraud, it may be easier to resolve if you paid using a card. For fraud on your Chase credit or debit cards, we can simply cancel your card and send you a new one. If you suspect fraud on your bank account, the process to resolve it can be more cumbersome – including closing your bank account and opening a new one.

If you suspect fraud, call us directly so we can help.

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