Zelle is one of the most widely used peer-to-peer (P2P) payment services that allows you to send and receive money within minutes using an email address or phone number. Today, Zelle works with over 2,000 banks and credit unions. Read on to learn if Chase is also compatible with Zelle and, if so, how to use it.
Yes, Chase is compatible with Zelle. With Zelle, you could send and receive money from your Chase bank account with people who have US bank accounts and have enrolled in the payment service. This service lets you easily transfer money into your recipient’s account or receive payment by just using simple contact information.
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If you have an account with Chase but haven’t tried using Zelle yet, here’s a quick step-by-step guide on how to get started:
To send money to someone you know, you’ll just need their email or US phone number. If that person hasn’t enrolled in Zelle yet, they’ll get a text notification or email letting them know you’ve sent them money and go through some steps to get enrolled.
Once they’ve signed up, the funds will be sent to the bank account they used to enroll. Note that if they fail to sign up within 14 days, the money will be returned to your account.
Yes, Zelle is free with Chase, which means you won’t be charged additional fees for Zelle transactions.
But to use Zelle at Chase, you’ll need to have a Chase checking account first. Depending on the type of checking account you sign up for, you may have to pay associated account fees.
Chase’s Zelle limits vary based on several factors, including your recipient. Each transaction falls under a specific tier, which determines the maximum amount you can send to all recipients within that tier per day.
You can see your limit for a transaction in the Chase mobile app when you set it up. If you’ve already sent money that day, Chase will let you know the remaining amount of your daily limit if you want to send money to another person within the same tier.
If Zelle doesn’t seem like the option for you, you have many other P2P payment apps to choose from, including the following:
Chase is fully integrated with Zelle, which means that as long as you have a Chase checking account, you can start using Zelle without downloading a separate app. As of April 1st, 2025, Zelle removed the ability for users to use the standalone Zelle app. You must enroll with one of the banks or credit unions in Zelle’s program to continue using the service, which does include Chase.
However, Chase isn’t the only major bank that supports this P2P money transfer service. Compare more top banks that work with Zelle.
Bank of America is a dependable and accessible bank network, but keep an eye out for monthly fees compared to other options.
Zelle transfer limits vary by bank. Some of the banks with the highest Zelle limits include Capital One, SoFi, Chase, PNC and Wells Fargo.
Zelle users can no longer use its standalone app to send or receive money.
Capital One does work with Zelle and has one of the highest Zelle transfer limits available. See how to get started here.
U.S. Bank does integrate with Zelle without needing the discontinued standalone app. Here’s how to use it for personal and business accounts.
Popular online bank SoFi is one of the only fintechs that works will Zelle, a peer-to-peer money transfer app.
We compare SoFi and Chime side-by-side to help you decide which popular online bank is best for you. See features, pros and cons and more.
Chase gets our pick for the better bank for its strong customer service, easy-to-use digital platform and more physical branch locations.
Compare and apply for a bank account with a linked Visa or MasterCard debit card in 10 minutes. Learn what you need to apply and how to get started.
1. Open a new account 2. Update automatic payments and direct deposit 3. Transfer funds 4. Contact your bank 5. Request written confirmation
