What Bank One Payment means and who uses it
Bank One Payment is a bill payment service that lets you send money to Bank One from another bank account you own. You initiate the transfer from your own bank's website or app, and the money moves to Bank One on your schedule. This is different from paying a bill to a company — you are moving funds between two accounts you control.
Homeowners use this method when they have a mortgage, home equity line of credit, or other loan through Bank One and want to pay from a checking account at a different bank. It is also used for paying down credit cards issued by Bank One, or for moving money into a Bank One savings account.
The service is free at most banks, though some charge a small fee for external transfers. Bank One itself does not charge you to receive the payment — the cost, if any, comes from your sending bank.
Key Takeaways
- Bank One Payment is a transfer you start from your own bank's system, not a payment you make directly to Bank One.
- The transfer usually takes one to three business days, depending on whether you choose standard or expedited delivery.
- You will need Bank One's routing number and your account number at Bank One to set up the transfer.
- If you have a Bank One account, you can also pay directly through their website or mobile app without using another bank.
- Some banks charge a fee for external transfers, so check with your bank before you set up the first payment.
How to set up a Bank One payment from another bank
Log into your bank's website or mobile app and look for "Bill Pay," "Send Money," "Transfer Funds," or "Pay a Person or Business." The exact name varies by bank. Select the option to add a new payee or recipient.
Enter Bank One's routing number (which is 071000013 for most Bank One accounts) and your Bank One account number. Your bank will verify these details, which usually takes one business day. Once verified, you can schedule a payment for any date you choose — most banks let you pick the exact day the money should arrive.
Enter the amount and confirm. Your bank will show you the expected delivery date. Standard transfers typically arrive in one to three business days; some banks offer expedited options that cost extra and arrive faster.
If you have a Bank One account, paying directly is faster
If you already have a checking or savings account at Bank One, you can log into your Bank One account and make a payment without involving another bank. This is the fastest route — you can often schedule a payment to post the same day or next business day.
Go to your Bank One account online or in the mobile app, find the loan or credit card you want to pay, and select "Make a Payment." Choose your payment date and amount, then confirm. The money moves between your Bank One accounts immediately or by the next business day, depending on the time you submit it.
If you do not have a Bank One account but want to pay a loan or credit card, you can also call Bank One's customer service line and make a payment by phone using your bank account information. This method is slower than online transfer but works if you prefer not to set up bill pay.
What information you need before you start
Gather your Bank One account number and the routing number 071000013 before you log into your bank's bill pay system. Your account number appears on your Bank One statement, loan documents, or credit card statement. If you cannot find it, call Bank One's customer service and they will provide it.
You will also need to know which account at your sending bank you want to transfer from — checking, savings, or money market. Your bank will ask you to confirm this before the transfer is processed.
If you are paying a Bank One credit card, have your card number ready. If you are paying a loan, have your loan account number. These are different from your general Bank One account number and ensure the payment reaches the right place.
How long Bank One payment takes to arrive
Standard transfers from another bank to Bank One take one to three business days. The exact timing depends on when you submit the transfer and your bank's processing schedule. If you submit a transfer on a Friday after business hours, it may not begin processing until Monday.
Some banks offer expedited or next-day delivery for an extra fee — usually $1 to $5. Bank One does not charge for receiving the payment, but your sending bank may charge you. Check your bank's fee schedule before you choose expedited delivery.
Weekends and federal holidays do not count as business days, so a transfer submitted on Friday may not arrive until Wednesday. If you have a payment due on a specific date, submit your transfer at least three business days early to be safe.
What to do if your payment does not arrive on time
If your transfer does not arrive by the date your bank promised, contact your sending bank first. They can track the transfer and tell you whether it was sent successfully. If your bank confirms the transfer was sent, the delay is usually on Bank One's end, and you should contact Bank One customer service with the transfer details.
Have your confirmation number from your bank ready when you call. This number proves you initiated the transfer and helps Bank One locate it in their system. Bank One can usually confirm receipt within one business day.
If you are worried about a late payment affecting your loan or credit card, contact Bank One before the due date and let them know the transfer is in progress. Many lenders will not charge a late fee if you can show proof that you sent the payment on time, even if it arrived late due to processing delays.
Alternatives if Bank One payment does not work for you
If you do not want to use bill pay, you can mail a check directly to Bank One. Include your account number on the check and mail it to the address on your statement. Checks take five to seven business days to arrive and clear, so mail early if you have a deadline.
You can also pay by phone by calling Bank One's customer service line. Have your bank account information ready. Phone payments are processed immediately but may carry a small fee depending on your account type.
If you have a Bank One debit card, you can use it to withdraw cash and deposit it at a Bank One branch or ATM, then transfer it to your loan or credit card account online. This works if you need to move money quickly and have a branch nearby.
Frequently Asked Questions
Can I set up automatic payments to Bank One from another bank?
Yes. Most banks let you schedule recurring payments through bill pay. Set the frequency (weekly, monthly, etc.) and amount, and the transfer will happen automatically on your chosen date each cycle. You can change or cancel recurring payments anytime through your bank's bill pay system.
What if I enter the wrong account number?
Your bank will verify the account number before processing the transfer. If the number is invalid, the transfer will be rejected and the money will return to your account within one to three business days. You will then need to resubmit with the correct number.
Does Bank One charge a fee to receive payments?
No. Bank One does not charge you to receive a payment from another bank. Your sending bank may charge a fee for external transfers, but this is between you and your bank, not Bank One.
Can I pay Bank One with a credit card from another bank?
No. Bank One does not accept credit card payments from other banks through their standard payment system. You must pay from a checking or savings account. Paying a credit card with another credit card usually triggers a cash advance fee and higher interest rate anyway.
What time of day should I submit a Bank One payment?
Submit during your bank's business hours — usually before 5 p.m. Eastern time on a business day. Payments submitted after hours or on weekends will process the next business day. If you have a tight deadline, submit early in the morning to give your bank the full day to process it.