Chase Bank Bill Pay lets you schedule and send payments directly from your Chase checking or savings account
Chase Bank Bill Pay is a service that lets you pay bills through your Chase online banking portal or mobile app without writing checks or leaving your account. You can schedule one-time payments or set up recurring bills to pay automatically on a date you choose. Chase sends the payment to the biller — either electronically if they're set up to receive it that way, or by mailing a check on your behalf if they aren't.
The service itself has no monthly fee. You pay only if you choose to use expedited delivery, which costs $15 per payment and gets your bill paid within one business day instead of the standard three to five business days. Most people use the standard speed and pay nothing.
Key Takeaways
- Chase Bank Bill Pay is free for standard payments and works from any Chase checking or savings account with online banking access.
- You can pay almost any biller — utilities, credit cards, insurance, rent, medical bills — by entering their name and account number.
- Standard payments take three to five business days; expedited payments cost $15 and arrive within one business day.
- If a biller is not set up to receive electronic payments, Chase will print and mail a check, which takes longer but costs nothing extra.
- You can schedule payments weeks in advance or set them to repeat monthly, and you can cancel or change any payment up until it processes.
How to set up and send a payment
Log into Chase.com or open the Chase Mobile App and go to the Bill Pay section. You'll find it under "Transfers & Payments" or "Pay Bills," depending on which interface you're using. Click "Add a Payee" and enter the biller's name and account number — for example, your electric company's account number or your landlord's mailing address if you're paying rent.
Once the payee is saved, you select it, enter the amount, and choose a payment date. Chase will process the payment on that date or earlier if you request expedited delivery. You can see the status of each payment in your transaction history — it will show as "pending" until it clears, then as "paid."
If you want to pay the same bill every month, you can set up a recurring payment instead. You choose the amount, the date it should go out each month, and how many times it should repeat (or set it to repeat indefinitely). You can change or stop a recurring payment at any time by editing it in your Bill Pay settings.
What happens if you cancel or change a payment
You can cancel a payment as long as it hasn't processed yet. Once Chase has sent the payment — either electronically or by mail — you cannot recall it. If you cancel before processing, there's no fee and no payment goes out.
If you need to change the amount or date of a payment that hasn't processed, you can edit it directly in Bill Pay. If the payment has already been sent and you need to stop it, you'll have to contact the biller directly to ask them to reverse or hold the payment, or you may need to dispute it with Chase if the payment was sent in error.
Payments that take longer and why
Standard payments take three to five business days because Chase processes them in batches. If you schedule a payment for a weekend or holiday, Chase counts from the next business day. Payments mailed by check take longer — typically five to seven business days for the check to arrive, plus however long the biller takes to deposit and process it.
If a biller is not in Chase's electronic network, Bill Pay automatically prints and mails a check. You won't know this is happening until after you've scheduled the payment, so if you need faster delivery, you'll have to use the $15 expedited option or pay the biller a different way. Some billers, like many utility companies and credit card issuers, are set up to receive electronic payments and will process much faster.
Billers you can and cannot pay through Bill Pay
You can pay almost any biller through Chase Bill Pay: utilities, credit cards, insurance companies, mortgage lenders, rent, medical providers, student loan servicers, and government agencies. You enter their account number or reference number so the payment gets credited to the right account.
You cannot use Bill Pay to pay people — only businesses and organizations. If you need to send money to another person, you'll use Chase QuickPay (for other Chase customers) or a service like Zelle, which is linked to your Chase account. You also cannot use Bill Pay to pay taxes directly to the IRS or state revenue departments; those agencies have their own payment portals.
Fees and limits
Chase Bank Bill Pay itself is free. The only fee is $15 if you choose expedited delivery. There are no limits on how many bills you can pay or how much money you can send through Bill Pay — your limit is whatever your account balance allows.
Some Chase accounts come with Bill Pay included; others require you to have a certain account type or balance. Check your account details in Chase online banking to see if Bill Pay is available to you. If it's not, you can contact Chase to ask about enabling it, though some account types may not support it.
Security and what to do if something goes wrong
Chase uses encryption and authentication to protect Bill Pay transactions. When you log in, you'll use your username and password, and Chase may ask for additional verification like a code sent to your phone. Do not share your login information with anyone, and do not use Bill Pay on a public or shared computer.
If a payment is sent twice by mistake, or if you see a payment in your history that you did not authorize, contact Chase immediately. You can call the number on the back of your debit card or log into your account and use the secure message tool. Chase will investigate and can reverse unauthorized payments or duplicate charges, though this may take a few business days.
Frequently Asked Questions
Can I use Bill Pay to pay my Chase credit card?
Yes. You can pay your Chase credit card through Bill Pay just like any other biller. Enter your credit card account number as the payee, and the payment will post to your card. This is useful if you want to schedule payments in advance or set up automatic monthly payments.
What if the biller says they never received my payment?
Check your Bill Pay history to confirm the payment was sent and on what date. If it shows as "paid," contact Chase with the payment date and amount. Chase can research where the payment went and may be able to reissue it or provide proof of delivery to the biller. Keep the confirmation number from Bill Pay handy when you call.
Can I set up Bill Pay on a savings account or only checking?
Bill Pay works on both checking and savings accounts at Chase. You can set it up on whichever account you prefer, though most people use checking because that's where they keep money for regular bills.
Is Bill Pay safe to use on my phone?
Yes, the Chase Mobile App uses the same security as Chase.com. Make sure you're using the official Chase app from the App Store or Google Play, not a third-party app. Keep your phone's operating system and the Chase app updated, and do not use public Wi-Fi when paying bills.
What if I want to stop using Bill Pay?
You can cancel any individual payment or recurring payment at any time through Bill Pay settings. To disable Bill Pay entirely, contact Chase customer service. Any payments already sent will still process, but no new payments can be scheduled.