The fastest way to move money out of Chase

You can transfer money from Chase to another bank using external transfers, which move funds directly from your Chase account to a bank account you own elsewhere. Chase offers three methods: online through your Chase account, by phone with a Chase representative, or through the other bank's system if they accept incoming transfers from Chase.

The method you choose depends on how quickly you need the money and whether you want to initiate the transfer yourself or have the receiving bank pull the funds. Most transfers take one to three business days, though some arrive the same day if both banks process it quickly.

Key Takeaways

  • Online transfers through Chase typically take one to three business days and require you to add the receiving bank account as a payee first.
  • Phone transfers with Chase work the same way as online transfers but let you speak to someone if you have questions about the receiving account details.
  • Incoming transfers initiated by the other bank (called ACH pulls) are sometimes faster but require you to provide Chase routing and account numbers to that bank.
  • Chase charges no fee for standard external transfers, but some receiving banks may charge a fee on their end.
  • Same-day transfers are possible through some methods but are not may provide and depend on both banks' processing schedules.

Transferring money online through your Chase account

Log into your Chase account online or through the mobile app and look for the "Transfer & Pay" or "Transfers" section. Select "Transfer to another bank" or "External transfer." Chase will ask you to add the receiving bank account as a payee if you have not already done so.

You will need the receiving account's routing number and account number. The routing number is a nine-digit code specific to each bank branch; you can find it on a check from that account, on the bank's website, or by calling the bank directly. Enter the account holder's name exactly as it appears at the receiving bank, then enter the amount you want to transfer.

Chase will show you the expected delivery date before you confirm. Once you submit, the transfer is scheduled and you cannot cancel it immediately — contact Chase customer service right away if you made a mistake. Most transfers arrive within one to three business days.

Transferring money by phone with Chase

Call Chase customer service at the number on the back of your debit card. Tell the representative you want to make an external transfer to another bank. They will ask for the receiving bank's routing number, the account number, and the account holder's name.

Phone transfers follow the same timeline and process as online transfers — they take one to three business days and are free. The advantage is that a representative can answer questions about the receiving account or help if you are unsure about the routing number. The disadvantage is that you have to wait on hold and cannot do it at midnight on a Sunday.

Transfers initiated by the receiving bank

Some banks let you initiate a transfer from their side instead of from Chase. This is called an ACH pull or incoming transfer. You log into the receiving bank's account, select "Add external account" or "Link account," and enter your Chase routing and account numbers.

The receiving bank then pulls the funds from Chase on your behalf. This method can be faster — sometimes same-day — because the receiving bank controls the timing. However, it requires you to trust the receiving bank with your Chase account information, and not all banks offer this option. Check with your receiving bank first to see if they accept incoming transfers from Chase.

What happens if you need the money the same day

Same-day transfers are possible but not may provide. Chase offers same-day transfers through some methods, but both your bank and the receiving bank must process it on the same business day. Transfers initiated after business hours (usually 5 p.m. Eastern) or on weekends typically do not process until the next business day.

If you need cash immediately, consider withdrawing from a Chase ATM and depositing it at the receiving bank in person, or using a wire transfer if the receiving bank offers it. Wire transfers are faster than ACH transfers but usually cost $15 to $30 and require you to call Chase or visit a branch.

Fees and limits on external transfers

Chase does not charge a fee for standard external transfers to another bank. However, the receiving bank may charge a fee for receiving an incoming transfer — this varies by bank and account type, so check with them first.

Chase does not publish a daily or monthly limit for external transfers, but your account may have limits based on your account type, history, or the amount you are transferring. If you are moving a large sum, call Chase beforehand to confirm there are no holds or restrictions. Some accounts have fraud protections that temporarily block large transfers until you confirm them with Chase.

Troubleshooting transfers that do not arrive

If a transfer does not arrive within three business days, log into your Chase account and check the transfer status. Chase will show whether the transfer is pending, completed, or failed. If it failed, Chase will usually tell you why — common reasons include an incorrect routing number, a mismatched account holder name, or the receiving bank rejecting the transfer.

If the transfer shows as completed on Chase's end but has not arrived at the receiving bank, contact the receiving bank's customer service. They can trace the transfer using the confirmation number Chase gave you. If the receiving bank cannot find it, contact Chase and ask them to investigate or re-send the transfer.

Frequently Asked Questions

How long does a transfer from Chase to another bank take?

Most transfers take one to three business days. Weekends and bank holidays do not count as business days. Some transfers initiated early in the business day may arrive the same day, but this is not may provide and depends on both banks' processing schedules.

Do I need to set up anything before I can transfer money out of Chase?

For online or phone transfers, you need the receiving bank's routing number and account number. You do not need to set up anything in advance, though Chase may ask you to confirm the receiving account details the first time you transfer to it. For incoming transfers from the other bank, you will need to provide your Chase routing and account numbers to that bank.

What if I entered the wrong account number?

If you catch the mistake before the transfer processes, contact Chase immediately and ask them to cancel it. If the transfer has already been sent, contact Chase and the receiving bank to report the error. The money may have gone to the wrong account, and you will need both banks' help to recover it or redirect it.

Can I transfer money from Chase to a joint account at another bank?

Yes. Enter the joint account's routing and account number, and use one of the account holders' names. The receiving bank will accept the transfer as long as the account number and routing number are correct, regardless of whose name is on the account.

Is there a limit to how much I can transfer at once?

Chase does not publish a standard limit, but large transfers may trigger fraud checks or temporary holds. If you are moving more than a few thousand dollars, call Chase first to let them know it is coming so they do not block it as suspicious activity.