Enroll in Zelle® to quickly send and receive money

It is available in the Chase Mobile^® app and on chase.com.

Zelle^® is a fast and convenient way to send and receive money with people you know and trust who have an eligible account at a participating U.S. bank. For a list of participating banks, please go to zellepay.com/get-started. 

In order to use Zelle^® at Chase, you must have a Chase checking account. Not a Chase customer? Learn more about Chase checking accounts.

If you’re a Chase customer with a Chase checking account, follow these steps to enroll in Zelle^®:

To enroll in our app:

1. Sign in to app.
2. Choose "Send money with Zelle^®" on the side menu.
3. Tap "Get started" on the next screen.
4. Tell us your primary email address.
5. Accept the service agreement and tap "Next."
6. Verify your email address by using a one-time activation code we send you.
7. Tap "Done," and you're ready to use Zelle^®.

To enroll online:

1. Sign in to chase.com.
2. Choose "Pay bills & send money with Zelle^®" on the Pay & transfer menu.
3. Choose "Set up."
4. Choose or tell us your primary email address.
5. Accept the service agreement and choose "Next."
6. Verify your email address by using a one-time activation code we send you.
7. Choose "Next," and you're ready to use Zelle^®.

Chase does not charge consumers additional fees for Zelle^® transactions. You need a Chase checking account to use Zelle^®. Consult your account agreement for any associated account fees. Message and data rates apply depending on your mobile service provider.

Timing for payments you send:

• If your recipient is another Zelle^® enrolled Chase customer, they will usually get the money a few minutes after you send it. Select transactions may be delivered the next business day.
• If your recipient’s bank is a Zelle^® member and they are Zelle^® enrolled, the money will usually be available a few minutes after you send it. Select transactions may be delivered in 1 to 2 business days.

Timing for payments you receive:

• If your sender is another Zelle^® enrolled Chase customer, you’ll usually get the money a few minutes after it’s sent. Select transactions may be delivered the next business day.
• If your sender’s bank is a Zelle^® member and they are Zelle^® enrolled, you’ll usually get the money a few minutes after it’s sent. Select transactions may be delivered in 1 to 3 business days.

To protect your account, we place a daily dollar send limit on Zelle^® payments, even if your available balance is higher than the daily limit. To help protect you from fraud and scams, Chase dynamically determines the limit for each transaction at the time you set it up based on a number of factors including your recipient. Each transaction will fall within a tier limit that reflects the aggregate total you can send to all recipients within that tier in a day.

We’ll show you the applicable limit for the transaction in the Chase Mobile^® app or Chase online when you set it up. If you’ve already sent a transaction to someone that day, we’ll show you the remaining amount of your daily limit if you send to another recipient within the same tier. See the Zelle^® Service Terms (PDF)  for the additional dollar amounts for the tier limits and additional information on Chase Zelle^® limits and how they work.

Keeping your money and information secure is a top priority for Chase. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your Chase account safe.

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

To split a charge in the app, go to your credit card or checking 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 Zelle^® and from there you can choose or add contacts you’d like to split the charge with.

If you’re not enrolled in Zelle^® and you have an eligible checking account, splitting a charge will take you to Zelle^® enrollment.

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

Non-Chase customers can check to see if their financial institution offers Zelle^® and sign up. Go to zellepay.com/get-started for more information. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Neither Zelle^® nor Chase provide protection if you make a purchase of goods using Zelle^® and then do not receive them or receive them damaged or not as described or expected.

Please contact our customer support team at 1-800-935-9935, opt. 8

No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If you send money to a person that has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. If you believe you were scammed or sent money to the wrong person, see your deposit account agreement for information on your error resolution rights and contact information for notifying us about disputed transactions.

Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the Chase Mobile^® app and click “Send Money with Zelle^®”. Next, go to your “Zelle^® settings” and click “Zelle^® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code. To receive money, share your Zelle^® QR code.

To send money, log into the Chase Mobile^® app, click “Send money with Zelle^®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

You can only use Zelle^® to send money to bank accounts in the U.S.

A Zelle^® tag is a type of Zelle^® ID that’s like a username. Currently, small business customers may create and share a Zelle^® tag that represents their business instead of sharing their personal mobile number or email address to receive payments. When creating a Zelle^® tag, customers must use a valid U.S. mobile number to confirm their identity. They may have one Zelle^® tag per checking account, but no more than 5 Zelle^® IDs across their accounts.

Zelle^® is a great way to send money to people and businesses you know and trust such as your personal trainer, babysitter, neighbor, etc.