7/14/2023
There are many P2P payment platforms that serve to streamline your daily transactions with merchants, family or friends. One of the most widely used in the United States is Zelle, which allows you to send and receive money just by knowing the recipient's phone number.
The vast majority of banks in the country allow you to use it. In a previous article we explained how to use Zelle with Bank of America. This time we will see how to use it with Chase Bank and what limits this app has in JPMorgan's bank.
How to use Zelle with Chase Bank?
If you have one or more accounts with this financial institution, you can access the Zelle service through the Chase mobile application or by accessing the website of this bank.
To send/receive money, the subscription process is very simple:
- Open the mobile banking app and log in with your username and password.
- Look for the Pay menu on the home screen and choose Zelle from the options provided.
- We suggest you read the service agreement and associated policies before accepting.
- You will receive a code via text message or email to confirm your email and phone number.
- The last step is to create a profile on the Chase website or select the checking or savings account you want to link to the service.
What are the limits when using Zelle with Chase?
The vast majority of banks that offer the use of Zelle or similar services set certain limits in an effort to protect your money. Although JPMorgan Chase also has such a policy, these restrictions may vary depending on the type of account you have opened with this financial institution.
For example, the limits associated with a business account are not the same as those assigned to a checking account. In this case, we have the following:
- Individuals with a checking account. Daily limit of $2,000 and a monthly maximum of $16,000.
- Individuals with a business account. Daily restriction of $5,000 and a maximum rollover of $40,000 per month.
As expected, these limits are subject to change as provided by the financial institution and apply to combined accounts. Unfortunately, according to information posted on the Zellepay site, you can't ask to raise or lower the restrictions imposed by your bank.
Does Chase charge you to use Zelle?
As with other national banks, the Chase will not charge you to use Zelle. While you can take advantage of its functionality at no cost across 2 platforms, your mobile carrier may charge you a fee for the messages or data you use.
How long does it take to get paid using Zelle with JPMorgan Chase?
A payment made through Zelle at Chase Bank may take a few minutes to show up if the recipient of the funds also uses Zelle. In case the recipient does not use this application, he/she has 14 days to register, otherwise the funds will be returned to the sender.
How to review Zelle's transaction history?
If you want to know the transactions you have made with this service, just do this:
- Log in to your Chase account.
- Go to the account management tab and click on 'Access & Security Manager'.
- Then click on 'Account activity'.
- You can do a more detailed search using filters by date or transactions performed.
- Click the 'Search' button to get Zelle's history.
What to do if you have problems using Zelle del Chase?
Sometimes, you may encounter a problem with the Zelle service. When this happens, here are some recommendations:
- Contact customer support for help.
- Make sure you have the latest version of the Chase app.
- Verify more than once that you have entered your mobile number or email address correctly.
Zelle Customer Support
In case you want to resolve any problems or details, you can call 1-844-428-8542 or email [email protected].
Chase Customer Support
To get assistance from this bank, you can visit a branch near you or call the Chase Bank customer service number: 1-800-935-9935.
Now that you know how to use Chase Bank Zelle and what limits it has, you'll know how to take better advantage of this no-cost service. If you also have an account with another financial institution and want to know the details of this app, be sure to check out Busconómico.
Español: ¿Cómo utilizar Zelle con Chase Bank y qué límites tiene?