How to Use Chase QuickPay — and 6 Crucial Things to Know

Chase QuickPay is a fast way to send and get money from friends and family. Should you try it?
10/11/19 | By Dori Zinn
Man using Chase QuickPay on his phone

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Whether you’re trying to send money to friends or request cash for work you’ve done, there are some quick and simple ways to handle it.

One of the most popular ways to send money to friends is by using money apps like Venmo or Cash App. But for Chase banking customers, Chase QuickPay offers a convenient option to transfer money without having to download a separate app.

What is Chase QuickPay?

Chase QuickPay is a free, secure way to send and receive money through Zelle, a person-to-person payment system available to almost anyone with an account at participating banks and credit unions.

Using Chase QuickPay, Chase customers can send and receive money from friends and family using just the recipient’s mobile number or email address — even if they don’t bank with Chase.

You’ll need to have a Chase checking account or Chase Liquid card to send money with Chase QuickPay. You can access the service through the Chase mobile app, Chase.com, and in the Chase Pay app.

6 must-know facts about Chase QuickPay

If you’re thinking about using Chase QuickPay, you’ll want to know a few things before you get started.

1. You have to enroll before you start using it

If you want to use Chase QuickPay, you can log into your account through Chase.com or download the free Chase mobile app. Then simply verify your contact information in the QuickPay section.

Once that’s done, you can select the checking account or Chase Liquid card you’d like to use to send and receive payments.

2. You don’t need a special app

To access the QuickPay service, you can use either the Chase mobile app, the Chase Pay app, or Chase.com.

As a Chase customer, you likely already have one of these options available on your mobile device — making this a convenient way to request or send money to friends and family.

3. The recipient doesn’t need to be Chase customer

A major pain point with other money-transfer apps is that both you and your friend often need to have an account with the chosen app. However, this isn’t true of Chase QuickPay.

As long as the person you’re sending money to is a member of a Zelle-eligible bank, they can receive your money. Zelle is available through most banks and credit unions.

4. There are limits to how much you can send

Chase QuickPay may be a convenient option to transfer smaller sums. But if you plan on sending large amounts of money, you might be disappointed. Your daily and monthly limitations depend on the type of account you have with Chase.

  • Personal checking accounts and Chase Liquid cards: Send up to $2,000 in a single transaction, as well as up to $2,000 in a day. Along with that, you’re limited to sending a maximum of $16,000 within a calendar month.
  • Chase Private Client, Private Banking client accounts, and business checking accounts: Send up to $5,000 in a day as well as in a single transaction. In a calendar month, you can send up to $40,000.

There’s no limit to how much you can receive, but the sender may have specific limitations based on the bank they’re using with Zelle.

5. Money can be transferred in minutes

If you want to send money fast, Chase QuickPay allows that. If you and your transfer buddy are both Chase users, the transaction should go through within minutes. And if the recipient’s bank doesn’t support real-time payments or isn’t a Zelle member, they should get money within one to two business days.

However, if your friend is trying to send you money and their bank doesn’t use Zelle, the transfer could take up to five days. Keep in mind that banks may have different processing times, so exact results could vary.

When you send or receive your very first payment with Chase QuickPay, it may also take some additional time since there are added security measures in place for first-time payments.

6. You can easily split charges from your account activity

With Chase QuickPay, you don’t need to worry about saving receipts or tracking expenses.

Chase makes it easy to split costs that appear in your transaction history. Go to your account activity, swipe left on the charge until “Split” appears, and select it. From there, you’ll be able to add or choose the desired contacts you’d like to split the charge with.

Are you ready to use Chase QuickPay?

If you’re looking for a way to send or receive money quickly, Chase QuickPay is a great option for Chase customers. It can transfer money within minutes right into your bank account without you having to download additional apps or register for other sites.

But if you aren’t a Chase customer or are looking for other apps to send money, you’ve got plenty of options, including:

  • Cash App: Once known as Square Cash, Cash App is the most popular money app in the App Store. It’s free to download, and you can send or receive money through it as long as the other person is also using Cash App.
  • Venmo: Venmo works similarly to Cash App but has a public feed for you to share transaction information openly with your friends. Both you and your friend must download the app and create a Venmo account to start transferring cash.
  • Apple Pay or Google Pay: Apple Pay allows you to send money right in the Messages app, but you need an iPhone to use it. Google Pay is available to anyone with a Google account, and your recipient doesn’t need the same app.

While most of these apps require a separate registration, their popularity means you or your friends may already have them set up. Even so, it could take longer to receive the money, since you may have to initiate a separate transaction to send the funds to your checking account.

Regardless of which option you choose, make sure to find the one that’s best for you and the people to whom you frequently transfer money.

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