Enroll in Zelle® to quickly send and receive money

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

Zelle^® is our person-to-person payment feature. It is a fast, easy and convenient way to send and receive money from customers at other member banks, such as Bank of America, Wells Fargo and U.S. Bank. For a list of participating banks, please go to zellepay.com.

Until recently, Zelle^® was called Chase QuickPay^® with Zelle^®. While the name has changed, none of the other features/ benefits have changed. It's just easier to say.

It's now easier than ever to pay a friend back for dinner, even if he or she doesn't bank with Chase.

Yes, you’ll need a Chase checking account to use Zelle^®. 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 set up Zelle^®:

1. Sign in to chase.com with your username and password.
2. Choose Zelle^® from the “Pay” menu.
3. Read and accept the 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 you want to use. Start using Zelle^® to send, receive and request money.

If you’re a Chase customer with a checking account, 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 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 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.

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, 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 and may be subject to change.

Participating Zelle^® member banks and out-of-network banks set the limits on transfers sent to or received from Chase accounts.

When you use Zelle^® your recipients won't see your account number, and you won't see theirs. Make sure you send money to people you know and trust in order to help avoid scams and protect your account. We don't protect or cover purchases if you use Zelle^® to pay for goods or services.

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

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 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.

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).