Getting into Chase Online Bill Pay
To log in to Chase Online Bill Pay, go to chase.com and sign in with your username and password on the main login page. Once you are logged into your Chase account, look for "Bill Pay" in the menu — it is usually under "Transfers & Payments" or listed directly in the main navigation. Click it, and you will enter the bill pay section where you can set up payees and schedule payments.
If you do not yet have a Chase online account, you will need to enroll first. You can do this on the Chase website by selecting "Enroll Now" and providing your Social Security number, date of birth, and other identifying information. Chase will verify your identity and send you login credentials. The enrollment process typically takes a few minutes, though you may need to wait for confirmation before you can access bill pay.
If you are already logged into your Chase account but cannot find bill pay, check whether your account type supports it. Most checking and savings accounts include bill pay at no extra cost, but some account types do not. You can contact Chase customer service at the number on the back of your card to confirm whether your account is set up for bill pay.
Key Takeaways
- Log in at chase.com with your username and password, then navigate to Bill Pay under Transfers & Payments.
- You must have an active Chase online account before you can use bill pay; enrollment takes a few minutes and requires identity verification.
- Most Chase checking and savings accounts include bill pay at no cost, but some account types do not support it.
- Once logged in, you add payees (the companies you want to pay), set up the payment amount, and choose a payment date.
- Chase typically delivers payments within one to three business days, depending on whether the payee is set up to receive electronic payments.
What You Need Before You Log In
Before you attempt to log in, have your Chase debit card or account number handy, along with your PIN or password. If you have forgotten your password, Chase offers a password reset option on the login page — you will answer security questions or verify your identity through your email or phone number to create a new one.
You will also need the account numbers and mailing addresses of the companies you plan to pay. Chase stores this information once you add a payee, so you only have to enter it once. Having this information ready before you log in makes the setup process faster.
Setting Up Your First Payment After Login
Once you are logged into bill pay, select "Add Payee" or a similar option to register a company you want to pay. You will enter the payee's name, account number (the account you have with that company), and mailing address. Chase will ask whether the payee is a person or a business — this affects how the payment is delivered.
After you add a payee, you can schedule a payment. Choose the payee from your list, enter the amount, and select the date you want the payment to go out. Chase will show you the expected delivery date based on when you schedule it. You can schedule payments in advance, which is useful if you want to set up recurring bills on the same day each month.
Review the payment details before you confirm. Once you submit, the payment is scheduled and will be deducted from your Chase account on the date you selected. You can view pending and completed payments in your bill pay history.
How Chase Delivers Your Payments
Chase uses two methods to deliver bill payments, depending on the payee. If the company is set up to receive electronic payments, Chase sends the money electronically and the payment usually arrives within one business day. If the payee does not accept electronic payments, Chase prints a check and mails it, which typically takes three to five business days.
You can see which delivery method Chase will use when you schedule the payment — it will show "electronic" or "check" next to the expected delivery date. If you need a payment to arrive by a specific date, schedule it early enough to account for mailing time if a check is required.
Troubleshooting Login and Access Problems
If you cannot log in, first check that you are using the correct username and password. Passwords are case-sensitive, so make sure Caps Lock is off. If you have tried multiple times and are locked out, Chase will temporarily block your account for security reasons. Wait 15 minutes and try again, or use the "Forgot Password" link to reset it.
If you log in successfully but bill pay does not appear in your menu, your account type may not support it. Some business accounts, money market accounts, and older account types do not have bill pay. Contact Chase at 1-800-935-9935 (the number varies by account type and region — check your card or statement) to confirm whether your account is set up for bill pay or to request it be added.
If you see bill pay in your menu but get an error when you try to add a payee or schedule a payment, try logging out completely and logging back in. Clear your browser cache and cookies, or try a different browser. If the problem persists, contact Chase customer service — there may be a temporary system issue or a restriction on your account.
Security and Protecting Your Login Information
Never share your Chase username, password, or PIN with anyone, including Chase employees. Chase will never ask for your full password by email or phone. If you receive an email or call asking for login information, it is a scam — do not respond and report it to Chase immediately.
When you log in, make sure you are on the official Chase website (chase.com) and not a phishing site. Check that the URL in your browser address bar starts with "https://" and shows a lock icon, which means the connection is encrypted. If you are using a public or shared computer, always log out completely when you are finished, and do not check the "Remember Me" box.
If you suspect someone has accessed your account without permission, change your password immediately and contact Chase. You can also set up two-factor authentication in your account settings, which requires a code sent to your phone or email each time you log in from a new device.
Frequently Asked Questions
What if I forget my Chase username or password?
Go to chase.com and select "Forgot Username" or "Forgot Password" on the login page. Chase will ask you to verify your identity by answering security questions or confirming information through your email or phone number. Once verified, you can create a new username or password and log in immediately.
Can I use Chase bill pay on my phone or mobile app?
Yes. Download the Chase mobile app, log in with the same username and password, and navigate to Transfers & Payments. The bill pay process is the same as on the website. You can add payees, schedule payments, and view your payment history from the app.
Is there a fee to use Chase bill pay?
No. Chase bill pay is free for most personal checking accounts. Some business accounts or specialty accounts may have fees — check your account terms or contact Chase to confirm. There is no charge per payment, and you do not pay extra for electronic delivery or check delivery.
How far in advance can I schedule a payment?
You can schedule payments up to one year in advance. This is useful if you want to set up recurring payments for the same amount on the same day each month, or if you know a large payment is coming and want to plan ahead.
What happens if I schedule a payment but do not have enough money in my account?
If your account does not have sufficient funds when the payment is scheduled to go out, Chase will not process the payment. You will receive a notification, and the payment will remain pending. Add funds to your account and reschedule the payment, or contact Chase to see if they can retry it.