Wire transfers into Chase arrive in one to two business days, and you need to give the sender your routing number, account number, and full name

To receive a wire transfer at Chase, you provide the sender with three pieces of information: your Chase account number, Chase's routing number, and your full name as it appears on your account. The sender's bank initiates the transfer on their end, and Chase receives and deposits the funds into your account within one to two business days — often the same day if sent before the bank's cutoff time, usually around 2 p.m. Eastern Time.

You do not need to do anything on your end to receive the money. Once the sender submits the wire through their bank, Chase processes it automatically. The transfer is irreversible once sent, so make sure the sender has your information correct before they initiate it.

Key Takeaways

  • Provide your sender with your Chase routing number (varies by region but is typically 021000021 for most Chase accounts), your account number, and your full legal name.
  • Wire transfers into Chase typically arrive within one to two business days, sometimes the same day if sent early in the morning.
  • You cannot cancel or reverse a wire transfer once the sender's bank has processed it, so verify all account details before the sender sends.
  • Chase does not charge a fee to receive incoming domestic wire transfers, though the sender's bank may charge a fee on their end.
  • International wire transfers may take three to five business days and may involve additional fees or currency conversion.

Finding Your Chase Routing Number and Account Number

Your Chase routing number depends on which state your branch is in. The most common routing number for Chase is 021000021, but some regions use different numbers. The easiest way to find your specific routing number is to log into Chase Online or the Chase Mobile App, go to your account details, and look for "Routing Number" listed there.

Your account number is printed on the bottom left of your checks, or you can find it in the account details section of your online banking. It is usually 10 to 12 digits. Give the sender both numbers along with your full legal name — the name must match exactly what is on your Chase account, or the transfer may be delayed or rejected.

What Information to Give the Sender

The sender needs four pieces of information to initiate a wire transfer to you: your full name (as it appears on your account), your Chase account number, Chase's routing number for your region, and your account type (checking or savings). Some senders may also ask for your address, which you can provide but is not required for the transfer to go through.

Do not give the sender your PIN, password, or Social Security number. Legitimate wire transfers require only the account and routing information. If a sender asks for passwords or PINs, that is a sign of fraud.

How Long a Wire Transfer Takes

Domestic wire transfers into Chase usually arrive within one to two business days. If the sender initiates the wire before 2 p.m. Eastern Time on a business day, Chase often processes it the same day. Transfers sent after that time or on weekends and holidays are processed the next business day.

International wire transfers take longer — typically three to five business days — because they pass through multiple banks and may involve currency conversion. The exact timing depends on the sender's country and bank, not on Chase.

Fees for Receiving Wire Transfers

Chase does not charge you a fee to receive a domestic wire transfer. The sender's bank may charge them a fee to send it (typically $15 to $30), but that cost is on their end, not yours.

International wire transfers may involve fees on both ends. Chase may charge a fee to receive an international wire, and the sender's bank will charge them to send it. Currency conversion fees may also apply if the transfer is in a foreign currency. Ask Chase about international wire fees before you expect a transfer from outside the United States.

Tracking Your Wire Transfer

Once the sender initiates the wire, they receive a confirmation number or reference number. Ask them for this number so you can track the transfer. You can call Chase at the number on the back of your debit card or log into your account online to check whether the funds have arrived.

Wire transfers show up in your account as a deposit. If you do not see the money within two business days, contact Chase with the sender's reference number. Chase can trace the transfer and determine whether it was delayed, sent to the wrong account, or rejected.

What to Do If a Wire Transfer Does Not Arrive

If the funds do not appear within two business days, contact Chase immediately. Have the sender's reference number ready, along with the amount and the date the sender says they initiated the transfer. Chase can investigate whether the wire was sent to the wrong account, rejected due to incorrect information, or delayed in processing.

If the sender's bank sent the money to the wrong account, Chase cannot retrieve it. The sender's bank must contact the receiving bank to attempt a reversal. This process can take weeks. To avoid this, always double-check your account number and routing number before giving them to the sender.

Frequently Asked Questions

Can I receive a wire transfer into a savings account instead of checking?

Yes. Wire transfers can go into either a Chase checking or savings account. Just make sure you give the sender the account number for the account where you want the money to go, and specify whether it is a checking or savings account.

What if the sender sends money to the wrong account number?

If the wire went to a different Chase account by mistake, contact Chase and provide the sender's reference number. Chase can attempt to recover the funds, but success depends on whether the other account holder cooperates. If the wire went to a non-Chase bank, Chase cannot retrieve it — the sender's bank must work with the other bank to reverse it.

Do I need to be present or do anything when the wire arrives?

No. Wire transfers are automatic. The money appears in your account without any action on your part. You do not need to be at the bank or online when it arrives.

Can I cancel a wire transfer after the sender has sent it?

No. Once the sender's bank has processed and sent the wire, it cannot be stopped or reversed. This is why wire transfers are considered final — make sure the sender has your correct information before they initiate the transfer.

Is there a limit to how much money I can receive in a wire transfer?

Chase does not have a standard limit on incoming wire transfers for personal accounts, but very large transfers may trigger fraud monitoring and require verification. If you are expecting a large wire, contact Chase in advance to let them know so the transfer is not delayed or flagged.