Chase Pay Bill lets you send money directly to merchants and service providers from your Chase checking or savings account
Chase Pay Bill is a built-in feature in Chase's online banking portal and mobile app that routes payments to billers without requiring you to write checks or set up separate payment accounts. You initiate the payment through your Chase account, choose the biller from Chase's list or add a new one, enter the amount and date, and Chase processes the transfer. The biller receives the funds either electronically or by check, depending on whether they're set up in Chase's network.
The service is free for Chase customers with may be able to access accounts. Payments typically arrive within one to three business days for electronic transfers, or five to seven business days if Chase mails a check on your behalf. You can schedule payments in advance, set up recurring payments for regular bills, and view payment history within your Chase account.
Key Takeaways
- Chase Pay Bill works from any Chase checking or savings account and requires no separate enrollment or fees.
- You can pay any merchant or service provider, whether they're in Chase's system or not — Chase will mail a check if they don't accept electronic payments.
- Payments take one to three business days for electronic delivery or five to seven days if sent by check.
- You can schedule single payments weeks in advance or set up recurring payments that repeat monthly, quarterly, or on any schedule you choose.
- Payment history and confirmation numbers stay in your Chase account for your records.
How to send a payment through Chase online banking
Log into your Chase account at chase.com and select "Pay Bills" or "Payments" from the main menu — the exact label depends on your account type. The system will show you a list of billers you've paid before. To pay an existing biller, select their name, enter the amount and payment date, review the details, and confirm.
To pay a new biller for the first time, choose "Add a New Payee" or "New Biller" and enter their name, mailing address, and account number (if you have one with them). Chase will verify the information and add them to your payee list. Once added, you can pay them when ready or schedule the payment for a future date. Chase stores this biller information so you don't have to re-enter it next time.
After you confirm the payment, Chase displays a confirmation number and shows the expected delivery date. You can print this confirmation or take a screenshot. The payment appears in your account activity when ready, even though the biller won't receive the funds for several days.
Setting up recurring payments for regular bills
If you pay the same biller every month — utilities, rent, insurance, loan payments — you can set up a recurring payment instead of entering the details each time. From the Pay Bill screen, select the biller and choose "Make This a Recurring Payment" or "Set Up Recurring Payment." Enter the amount, the date you want it to go out each month (or quarter, or whatever interval you choose), and how long the recurring payment should continue.
Chase will process the payment on your chosen date automatically each period. You can edit or cancel a recurring payment at any time by going back to the Pay Bill section and selecting the recurring payment from your list. If the amount changes — your utility bill fluctuates, for example — you can update the recurring amount before the next payment date, or let that single payment go through at the old amount and adjust it for the following month.
Paying bills through the Chase mobile app
The Chase mobile app includes the same Pay Bill feature as the website. Open the app, tap "Pay Bills" or "Payments" (usually found in the main menu or under "Transfers"), and follow the same steps: select an existing payee or add a new one, enter the amount and date, and confirm. The mobile app stores your payee list, so you can pay on the go from anywhere.
You can take a photo of a bill using the app's camera feature to capture the account number and amount, which can pre-fill some of the payment details. This is especially useful if you're paying a bill you receive by mail and want to make sure you enter the account number correctly.
What happens when Chase sends a check instead of an electronic payment
If the biller you're paying isn't part of Chase's electronic payment network, Chase will print a check and mail it to their address on your behalf. This takes longer — typically five to seven business days — because Chase needs time to print and mail the check, and the biller needs time to receive and process it. You don't pay extra for this service; it's included in Chase Pay Bill.
When you schedule a check payment, Chase shows you that it will be mailed and gives you an expected delivery window. If you need the payment to arrive by a specific date, schedule it at least a week earlier than the important date to account for mail time. You can cancel a check payment up until Chase prints and mails it, but once it's in the mail, you'll need to contact the biller directly if you want to stop it.
Scheduling payments in advance and avoiding late fees
Chase lets you schedule a payment up to several weeks in advance. This is useful if you know when a bill is due but don't want to pay it when ready. Select the payment date when you set up the payment, and Chase will process it on that date. The payment leaves your account on the date you choose, not the date you enter it.
Keep in mind that Chase's processing time still applies: if you schedule a payment for a date that's only one day before the bill is due, and Chase needs two business days to deliver it electronically, the payment may arrive late. To be safe, schedule payments at least three to five business days before the due date. If you're paying by check, add another week to that timeline.
Viewing payment history and getting confirmation numbers
Every payment you make through Chase Pay Bill appears in your account activity and in a dedicated payment history section. You can filter by date, biller, or payment status to find a specific payment. Each payment has a confirmation number that you can use to track it or reference it if you need to contact Chase or the biller about the payment.
Chase keeps payment history in your account for a set period — usually several years, though this varies. You can read or print your payment history for your records. If a biller claims they didn't receive a payment, you can provide them with the confirmation number and expected delivery date, and Chase can help you investigate.
Frequently Asked Questions
Is there a fee to use Chase Pay Bill?
No. Chase Pay Bill is free for all customers with may be able to access checking and savings accounts. There are no per-transaction fees, monthly fees, or setup fees.
Can I pay anyone with Chase Pay Bill, or only certain companies?
You can pay any person or business — Chase doesn't restrict who you can pay. If the payee is in Chase's electronic network, the payment goes through electronically. If not, Chase mails a check on your behalf at no extra cost.
How long does it take for a payment to reach the biller?
Electronic payments typically arrive within one to three business days. Payments sent by check take five to seven business days. The exact timeline depends on the biller's location and processing speed. Chase shows you the expected delivery date when you confirm the payment.
Can I cancel a payment after I've scheduled it?
Yes, as long as the payment hasn't been processed yet. Go to your payment history, find the payment, and select "Cancel." If the payment has already been sent electronically or the check has been mailed, you'll need to contact the biller directly to stop it.
What if I make a mistake and pay the wrong amount or wrong biller?
Contact Chase when ready with your confirmation number. If the payment hasn't been processed yet, Chase can cancel it and let you send a corrected payment. If the payment has already reached the biller, you'll need to contact the biller to request a refund or credit.