Chase Online Bill Pay lets you schedule and send payments to almost any person or business from your Chase checking account, without writing checks or leaving your bank's website.
The service is free to use if you have a Chase checking account. You can pay bills on a one-time basis or set up recurring payments that go out on the same day each month. Chase delivers payments either electronically (usually within one to two business days) or by mailing a paper check on your behalf (typically five to seven business days), depending on whether the payee accepts electronic transfers.
You do not need a separate login or password — you use the same credentials you use for Chase online banking. The service works from Chase.com or the Chase mobile app, and you can manage all your payments from one place.
Key Takeaways
- Chase Online Bill Pay is free for customers with a Chase checking account and costs nothing per transaction.
- You can pay almost any person or business, including utilities, credit card companies, landlords, and contractors, as long as you have their mailing address.
- Electronic payments typically arrive in one to two business days; paper check payments take five to seven business days.
- You can schedule payments in advance, set up recurring monthly payments, and cancel or change payments up to the business day before they are sent.
- Chase does not charge late fees or overdraft fees for bill pay transactions, but your bank account must have enough money when the payment is processed.
How to set up a payee and send your first payment
Log into Chase.com or open the Chase mobile app and navigate to the Bill Pay section. Select "Add a payee" and enter the payee's name and mailing address. Chase will ask whether the payee is a person (like a landlord) or a business (like a utility company). You do not need an account number to add a payee, though having one can speed up the process.
Once the payee is added, select them from your payee list and enter the payment amount and the date you want the payment sent. Chase will show you an estimated delivery date based on whether the payment will be sent electronically or by check. Review the details, confirm, and the payment is scheduled. You can send the same payment immediately or schedule it for a future date.
If you want the same payment to go out every month on the same day — for example, rent on the first of the month — you can set up a recurring payment instead. Choose the payee, amount, frequency, and start date, and Chase will send it automatically until you cancel it.
Electronic payments versus paper checks
Chase decides whether to send your payment electronically or by paper check based on whether the payee's bank or business accepts electronic transfers. Most large utilities, credit card companies, and national businesses accept electronic payments. Smaller businesses, landlords, and individuals often do not, so Chase mails a check instead.
You cannot choose the method yourself — Chase makes that decision. However, you can see which method will be used before you confirm the payment. Electronic payments are faster (one to two business days) but not instantaneous. Paper check payments take longer (five to seven business days) because Chase has to print, sign, and mail the check.
If you need a payment to arrive faster than bill pay allows, you may need to use a different method, such as paying directly through the payee's website or calling them to make a payment over the phone.
Changing or canceling a payment you have scheduled
You can change or cancel any payment up until the business day before it is sent. Log into Chase, find the payment in your Bill Pay history, and select the option to edit or cancel. If the payment has already been sent, you cannot cancel it through bill pay — you would need to contact the payee directly to ask them to return the funds or stop processing the payment.
If a payment is scheduled to be sent as a paper check and you cancel it before the business day cutoff, Chase will not print or mail the check. If you cancel after the check has been printed, you may not be able to stop it, so contact Chase customer service right away.
What happens if your account does not have enough money
Chase will not send a payment if your checking account does not have enough funds on the day the payment is processed. The payment will fail, and you will receive a notification. You can then reschedule the payment for a later date when you expect to have the funds, or cancel it entirely.
Chase does not charge a fee for a failed bill pay transaction, but if your account goes negative because of other transactions, you may be charged an overdraft fee. Bill pay itself does not trigger overdraft fees — only the overall account balance does.
Fees and costs
Chase Online Bill Pay has no monthly fee, no per-transaction fee, and no fee to add or remove payees. The service is included free with any Chase checking account. You pay only what you send — the money itself goes to the payee, not to Chase.
Some Chase checking accounts have monthly maintenance fees (typically $12 to $15), but those fees are separate from bill pay and apply to the account itself, not the bill pay service. You can often waive the maintenance fee by keeping a minimum balance or setting up direct deposit.
Security and fraud protection
Chase uses encryption to protect your bill pay information when you log in and send payments. Your payee list and payment history are stored securely in your account. If you notice an unauthorized payment, report it to Chase immediately through your online account or by calling the number on the back of your debit card.
Chase's fraud liability policy covers unauthorized transactions made through bill pay, meaning you are not responsible for fraudulent payments if you report them promptly. However, you are responsible for payments you authorize yourself, even if you later regret sending them or made a mistake with the amount or payee.
Frequently Asked Questions
Can I use Chase bill pay to pay my credit card bill?
Yes. You can pay any credit card company, including Chase credit cards, through bill pay. Add the credit card company as a payee and enter the payment amount. The payment will be processed like any other bill pay transaction and will show up on your credit card statement as a payment received.
What if the payee says they never received my payment?
Check your bill pay history in Chase to confirm the payment was sent and see the delivery date. If it was sent electronically, it should have arrived within one to two business days. If it was sent by check, ask the payee to wait a few more days or contact Chase to verify the check was mailed. If the check was lost, Chase can issue a replacement or you can pay the payee directly.
Can I set up bill pay for a business account or joint account?
Yes. Bill pay works with most Chase checking accounts, including business accounts and joint personal accounts. All account owners or authorized users can typically access bill pay, though some business accounts may have restrictions on who can approve payments.
Is there a limit to how many payments I can send?
Chase does not publish a specific limit on the number of bill pay transactions you can send per month. However, if you send an unusually large number of payments in a short time, Chase may flag your account for review. Contact Chase if you have questions about your specific situation.
What if I want to pay someone in another country?
Chase Online Bill Pay is designed for payments within the United States only. You cannot use it to send money internationally. For payments outside the U.S., you would need to use a wire transfer, international money transfer service, or another method offered by Chase.