ACH Transfer | Digital | Chase.com (2024)

FAQs

What is digital ACH? ›

An ACH transaction is an electronic money transfer made between banks and credit unions across a network called the Automated Clearing House (ACH). ACH is used for all kinds of money transfers, including direct deposit of paychecks and monthly debits for routine payments.

If you use Chase dual control, we will begin to process your payment, once an authorized user approves it. Enrollment in ACH Payment Services is required. There is a fee of 1% of the payment amount, up to $25 per transaction for a Same-day ACH payment.

ACH credit payments are also called push payments. With an ACH credit you'll need to enter the recipient's banking information and the payment details — usually through online or mobile banking for convenience. ACH credits can be used to pay bills, or to send money to friends, family, charities and organizations.

Most Chase accounts have a $25,000 per day limit. Chase Private Client and Chase Sapphire Banking limits are $100,000 per day. Keep in mind, your other bank may have a different transfer limit.

To make an instant ACH transfer, you need a bank account linked to the Real-Time Payments (RTP) network. Confirm with your bank if they are part of the RTP network. Once confirmed, you can initiate an instant ACH transfer through your bank's website or mobile app.

An ACH transfer is an electronic transfer of funds from one bank account to another over the ACH (Automated Clearing House) network. This includes everything from person-to-person transfers and bill payments to direct deposits.

Security. Another advantage ACH payments have is that they're more secure than wire transfers and card payments. This is because ACH payments must pass through clearinghouses that enforce strict regulations. Money is transferred directly between accounts, with account numbers kept confidential.

Basically, all Zelle payments are (instant) ACH payments but not all ACH payments are Zelle payments. The primary difference between Zelle and regular ACH payments is related to speed—whereas a standard ACH payment can take 2-5 days to clear, Zelle payments tend to clear in minutes.

Here's how to send a domestic wire transfer:

After signing in, tap "Pay & Transfer" Tap "Wires & global transfers" Choose or add your recipient and tell us the account you would like to wire funds from. Enter the wire amount and date, then tap "Next"

The routing number for Chase in California is 322271627 for checking and savings account. The ACH routing number for Chase is also 322271627.

How to do ACH transfer chase? ›

First you'll need to enroll in Chase Business Online. Once you log in, click Pay & Transfer at the top of the page and then click Payment Center. From the menu, select ACH Payment Services and enroll. Once you're enrolled, click Add Payee to begin adding the names or people and businesses you want to pay.

Direct deposits (an ACH credit often used for payroll) and automatic recurring payments (ACH debits for services like utilities) are common examples of ACH payments.

The routing number for Chase in California is 322271627 for checking and savings account. The ACH routing number for Chase is also 322271627. The domestic and international wire transfer routing number for Chase is 21000021.