What Chase Online Bill Pay does
Chase Online Bill Pay is a free service that lets you pay bills directly from your Chase checking or savings account through the Chase mobile app or website. You set up a payee once — a utility company, landlord, credit card issuer, or any other business you owe money to — and then schedule payments on whatever date you choose. Chase either delivers the payment electronically (usually within one business day) or mails a check on your behalf (typically arriving within five to seven business days).
The service is included with most Chase checking accounts at no extra charge. You do not pay per transaction, and there are no monthly fees for using it. The only cost is the one you already have: your monthly account maintenance fee, if your account type includes one.
Key Takeaways
- Chase Online Bill Pay is free and included with most Chase checking and savings accounts, with no per-transaction fees.
- You can schedule payments up to one year in advance, set up recurring payments for bills that stay the same amount, or send one-time payments.
- Electronic payments typically arrive within one business day; mailed checks take five to seven business days and are sent at Chase's cost.
- If a payment fails or arrives late, Chase's bill pay may provide covers certain losses, though you remain responsible for late fees your biller charges.
- You can cancel or edit a payment up until the moment Chase processes it, which varies depending on whether it is electronic or mailed.
How to set up a payee and schedule your first payment
Log into Chase.com or open the Chase mobile app and navigate to the Bill Pay section. Select "Add Payee" and enter the business name, account number (if you have one with that company), and mailing address or routing information. Chase will ask whether you want the payment sent electronically or by check; for most utilities and credit card companies, electronic is available and faster.
Once the payee is saved, you choose the payment amount, the date you want it sent, and confirm. Chase will show you an estimated delivery date based on the method you selected. If you are paying a company for the first time by check, Chase may hold the payment for one business day while it verifies the payee address — this is a fraud prevention step and is normal.
After your first payment to a payee goes through, you can set up recurring payments for bills that are the same amount each month. You specify the amount, the frequency (weekly, bi-weekly, monthly, or custom intervals), and an end date or leave it open-ended. Chase will send the payment automatically on the schedule you set.
Electronic payments versus mailed checks
When you schedule a payment, Chase routes it one of two ways. Electronic payments go directly to the biller's bank and typically arrive within one business day. Most large utilities, credit card companies, and loan servicers accept electronic payments. Mailed checks are printed and sent by postal mail, taking five to seven business days to arrive. Chase covers the cost of the check and postage.
You choose the method when you add the payee. If a company does not accept electronic payments, Chase will default to mailing a check. Some smaller businesses, landlords, or local government offices may only accept checks, so mailed payments are useful when electronic is not an option.
The delivery date Chase shows you accounts for processing time on Chase's end plus mail or electronic transit time. If you are paying a bill due on the 15th, schedule the payment to arrive by the 14th at the latest — do not assume the estimated delivery date is exact.
Canceling, editing, or stopping a payment
You can cancel or change a payment up until Chase processes it. For electronic payments, this window is usually until 5 p.m. Eastern time on the day before the payment is sent. For mailed checks, you can cancel until the check is printed, which is typically the day before the scheduled send date. Once Chase has processed the payment, you cannot cancel it through the app or website.
If you need to stop a recurring payment, go to the payee settings and select "Stop Recurring Payment." This halts future payments but does not affect payments already sent. If you want to change the amount or frequency of a recurring payment, you can edit those details directly in the payee settings.
If a payment was sent in error or you need to dispute it, contact Chase customer service with the payment confirmation number. Chase can attempt to recall an electronic payment if it has not been processed by the receiving bank, though success is not may provide. For mailed checks, you may be able to stop payment if the check has not been cashed, though Chase may charge a stop-payment fee depending on your account type.
What happens if a payment fails or arrives late
If an electronic payment fails — usually because the payee's bank rejects it or the account information is incorrect — Chase will notify you and the payment will not go through. You will need to correct the payee information and resend. If a mailed check is returned as undeliverable, Chase will contact you and ask for a corrected address.
Chase offers a bill pay may provide that covers certain losses if a payment fails due to Chase's error or does not arrive by the date Chase promised. However, this may provide does not cover late fees your biller charges you. If a payment arrives after your due date and your biller assesses a late fee, you are responsible for that fee — Chase's may provide covers only the cost of the late fee itself, up to a certain amount, if you can prove the delay was Chase's fault. You would need to contact Chase and provide documentation from your biller.
To avoid late fees, schedule payments to arrive at least two business days before the due date. This gives you a buffer in case of unexpected delays and ensures the payment is in the biller's system before the deadline.
Security and fraud protection
Chase uses encryption to protect your payment information when you send it through the app or website. Your account number and routing information are stored securely and are not shared with billers unless necessary to process the payment.
When you add a new payee, especially one you are paying by check for the first time, Chase may verify the address by mailing a small deposit to that address and asking you to confirm the amount. This is a standard anti-fraud measure. If you notice a payment you did not authorize, report it to Chase immediately through the app or by calling the number on the back of your card. Chase will investigate and may reverse the payment if fraud is confirmed.
Limits and restrictions
Chase does not publish a single maximum payment amount for bill pay, but your account may have limits based on your account type and history. If you try to send a payment larger than your limit, the system will reject it. You can contact Chase to request a higher limit, though approval depends on your account standing.
You can schedule payments up to one year in advance. If you need to pay a bill more than a year away, you will need to set it up closer to the due date. There is no limit on the number of payees you can add or the number of payments you can schedule, though scheduling hundreds of payments at once may slow the system.
Bill pay is available only if you have an active Chase checking or savings account. If your account is closed or frozen, you cannot use bill pay. Some account types, such as student checking or certain savings accounts, may have bill pay disabled — check your account settings or contact Chase to confirm it is turned on.
Frequently Asked Questions
Can I use Chase bill pay to pay my Chase credit card?
Yes. Add your Chase credit card as a payee using the card number, and schedule a payment from your checking or savings account. The payment will post to your credit card account within one business day if sent electronically. This is a common way to make credit card payments without using the credit card company's website.
What if I schedule a payment but then change my mind about paying that bill?
You can cancel the payment before Chase processes it. The cutoff time depends on the payment method: for electronic payments, usually 5 p.m. Eastern time the day before; for checks, usually the day before the check is printed. Once the payment is processed, you cannot cancel it through bill pay, and you would need to contact Chase to attempt a recall or stop payment.
Does Chase bill pay report payments to credit bureaus?
No. Bill pay is a payment method only — it does not create a record with credit bureaus. The biller you pay will report the payment to credit bureaus if it is a credit account (like a credit card or loan). Bill pay simply moves money from your Chase account to the biller; the biller's own reporting practices determine what gets reported.
What if the biller says they never received my payment?
If you sent an electronic payment, ask the biller for the date it was received and check your Chase confirmation number. Contact Chase with both pieces of information and they can trace the payment through the banking system. If you mailed a check, the biller may have received it but not processed it yet — ask them to check their incoming mail or unprocessed payments. If the check was truly lost, you can request a stop payment and resend.
Can I use bill pay to send money to a person instead of a business?
Chase bill pay is designed for paying businesses and organizations, not for sending money to individuals. If you need to send money to a person, use Chase QuickPay (if available on your account) or a money transfer service. Bill pay payees must have a business name and mailing address or banking information.