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How to Use Zelle with Chase Bank (Complete 2022 Guide)

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If you’re someone who frequently sends or receives payments, you probably have heard of Zelle – which is a quick and easy way to send money to friends and family.

If you’re a member of JPMorgan Chase Bank, and you’re wondering if you can use Zelle, you’re in luck as they offer the Zelle service.

There are a few reasons why you might want to use Zelle with your Chase bank account.

First, it’s a convenient way to send and receive money. Second, it’s a safe and secure way to transfer funds. And third, there are no fees associated with using Zelle with Chase bank.

If you’re interested in using Zelle with your Chase account, here’s what you need to know and how to do it.

Laptop with Chase on it
This guide will show you how to use Zelle with Chase Bank.

In This Post


Does JPMorgan Chase Bank Have Zelle?

Yes, JPMorgan Chase has Zelle. You can access it on the web or through the Chase mobile banking app. There are no limits to the amount that you can transfer using Zelle through JPMorgan Chase.

How to Use Zelle with Chase Bank (Step-By-Step)

To use Zelle with JPMorgan Chase, you’ll need to:

  • Open Chase’s mobile banking app and log in using your username and password.
  • Scroll to the Pay menu on the home screen and select Zelle from the options listed.
  • Read and accept the policy statement and service agreement.
  • You’ll receive a code via SMS or email to confirm your phone number and email. 
  • Select the checking or savings account you want to use or create a profile on the Chase website. 

Are There Limits When Using Zelle with Chase Bank?

Yes, there are limits when using Zelle with JPMorgan Chase bank. However, there’s no definite figure as the limit may vary from one person to another depending on the type of account you have. 

For example, the limit for a checking account differs from that of a business account. 

Individuals with a personal checking account are allowed to send $2000 per day, with the maximum limit per month being $16000 per month. Chase users with business accounts have a $5,000 daily limit and up to $40,000 monthly.

Chase business checking accounts have a $5,000 limit for a single daily transaction and up to $40,000 in a calendar month. 

Note that these limits are subject to change and apply to a combined account. 

Are There Fees When Using Zelle with Chase Bank?

You won’t incur any fees when using Zelle with JPMorgan Chase. It’s a free service that includes sending and receiving funds on both platforms. 

However, data and message rates may apply based on your service provider. Additionally, there is a limit to the amount of money you can send daily and monthly. 

Man using Zelle with his Chase account on his smartphone

How Long Does a Zelle Payment Take Using Chase Bank?

A Zelle payment takes a few minutes to reflect if your recipient’s bank is a Zelle member and accepts real-time payments. However, if your recipient’s bank doesn’t support real-time payments, the funds will be available in one to two business days. 

Furthermore, as a Chase account holder sending money to a non-chase account holder could take up to two business days after the business day that the recipient accepts the funds. The exact time is subject to the processing times of the recipient’s bank.

It can take four to five business days to receive funds from a non-Chase account into your Chase checking or savings accounts. 

How to Accept Zelle Payment using a Chase Bank Account

You’ll get a notification in the form of a message or email alerting you that someone sent you a payment through Zelle.

To receive a Zelle payment using Chase Bank, you need to follow some steps that include:

  • Tap on the link sent to your email or text message.
  • You’ll be asked to provide your email or mobile number based on how the transfer was sent. Click continue.
  • On the data and privacy box, check it and select continue.
  • Search for Chase Bank on the find your bank screen. 
  • You’ll be redirected to Chase Bank’s site to complete the transfer process. 
  • Enter the Mastercard or Visa debit card details and select continue.
  • Provide your billing address and click continue.

You should now receive your Zelle Payment via Chase Bank.

How to Increase Zelle Limit Using Chase Bank

Chase has a transaction limit on Zelle, but this depends on your account type. 

However, it’s impossible to increase your send limit. According to the Zellepay website, you cannot request to increase your send limit as set by your bank. 

How to Check Zelle History on Chase

To view your Zelle history on Chase, you’ll need to:

  • Sign in to your JPMorgan Chase account.
  • Scroll to the Account Management tab and select Access & Security Manager.
  • Click on Account Activity
  • You can filter your search by transactions or access. 
  • Click on search to get your Zelle Activity history. 

What is the difference between Chase QuickPay and Zelle?

There are a few key differences between Chase QuickPay and Zelle. Chase QuickPay can be used to send money to friends or family who have Chase accounts. The process is simple – just enter the recipient’s email address or mobile number, and the funds will be transferred quickly and securely.

Chase QuickPay

Chase QuickPay is a person-to-person payment service that allows you to send money from almost anyone with a U.S. account, as long as they’re enrolled in the service. All you need is their email address or mobile phone number.

Zelle

Zelle, on the other hand, is a network of banks and credit unions that allows for person-to-person payments as well. The difference is that you don’t need to be a Chase customer to use it – anyone with a U.S. bank account can enroll. And, since Zelle is integrated into the banking app of each participating institution, the process is even simpler. All you need is the email address or mobile phone number of the person you’re trying to send money to.

What to Do If you Have Problems using Zelle with Chase

If you’re having trouble using Zelle with Chase, there are a few things you can do:

  • Make sure you’re using the most up-to-date version of the Chase app.
  • Double-check that you’ve entered your email or mobile number correctly.
  • Contact customer service for help.

To Contact Customer Service for Help

Zelle Customer Support

Chase Bank Customer Support


Wrapping Up

Zelle is one of the few digital payment platforms that allows you to send and receive money for free and quickly. Using Zelle with Chase is convenient, and our guide above answers some of the questions addressing the fees, limits, and steps you need to follow to make transactions. 

References

  1. https://www.td.com/us/en/personal-banking/digital-payments/
  2. https://www.bankofamerica.com/online-banking/zelle-faqs/
  3. https://www.zellepay.com/faq/there-limit-how-much-money-i-can-send
  4. https://www.chase.com/personal/zelle
  5. https://en.wikipedia.org/wiki/Zelle_(payment_service)