If you need to send a domestic wire transfer from Chase to someone in the United States, you can complete the process directly through the Chase mobile app. The process involves verifying your identity, entering the recipient’s bank information, reviewing the transfer, and confirming the wire.
A domestic wire is different from an international wire, which requires additional information such as SWIFT codes and IBANs. This guide focuses specifically on sending money within the United States.
How to Send a Domestic Wire Transfer from Chase
Follow these steps to send a domestic wire transfer from Chase through the mobile app.
1. Open Wires and Global Transfers
Open the Chase app and sign in to your account.
- Tap Pay & Transfer at the bottom of the screen.
- Select Wires & Global Transfers.
- Review the information on the “Smart Way to Move Money” screen.
- Scroll down and tap Next.
Before continuing, Chase will ask you to verify your identity. You can choose to receive a verification code by text message or phone call. Selecting the text option is generally the quickest way to receive the code.
Enter the verification code and tap Confirm Identity.
2. Choose the Payment Purpose
Chase will ask why you are sending the wire. Available options include:
- Paying a friend, family member, or trusted person
- Paying a bank, company, or government agency
- Paying a seller or service provider
- Buying property or an investment
- Investing in cryptocurrency
- Something else
Choose the option that accurately describes your transaction and tap Next.
Chase asks for this information for regulatory purposes and also uses it to provide warnings about common wire-transfer scams. Certain categories, such as cryptocurrency investments and property purchases, may trigger additional warnings.
Always answer honestly and select the purpose that best describes your payment.
Wire Transfer Scam Warning
Before you can continue, Chase may display a scam warning. Take a moment to read it carefully.
Two particularly common scams involve:
Family impersonation scams: Someone contacts you pretending to be your child, grandchild, or another relative and claims they urgently need money. They may insist that you keep the situation secret. If this happens, contact the family member directly using a phone number you already know.
Romance scams: Someone you met online develops a relationship with you and eventually asks for money for an emergency, travel, medical expenses, or another reason. If someone you have never met in person asks you to send them money, be extremely cautious.
If you believe you may be dealing with a scam, stop the transaction rather than proceeding with the wire.
If you know and trust the recipient, acknowledge Chase’s warning and tap Continue.
3. Add the Recipient’s Bank Details
The domestic wire transfer from Chase now moves to the recipient setup process.
Chase will show United States of America as the bank country. Leave this selected for a domestic wire.
Next, enter the recipient’s wire routing number.
This is one of the most important details in the entire process. Do not assume that the routing number printed on a check or used for direct deposits is the correct number for a wire. Banks can use different routing numbers for different types of transactions.
If the recipient banks with Chase, the app provides Chase’s wire routing number as a reference. If the recipient uses another bank, ask them for that bank’s domestic wire routing number and account number.
It is best to verify these details directly with the recipient using a phone number you already trust rather than relying solely on information received through email.
4. Confirm the Recipient’s Bank
After entering the routing number, Chase may identify the financial institution associated with it.
Check that the displayed bank matches the recipient’s bank.
For example, if the recipient tells you they bank with Wells Fargo but Chase identifies the routing number as belonging to Bank of America, stop and verify the information before proceeding.
This additional confirmation is a useful safeguard against entering an incorrect routing number.
Next, enter the recipient’s:
- Account number
- Account number again for verification
- Account type: Individual or Business
The additional routing information field is optional and can generally be left blank unless the recipient’s bank specifically provides additional instructions.
Tap Next when you have completed the information.
5. Enter the Recipient’s Personal Information
Chase will ask for additional recipient details, including:
- First name
- Middle initial, if applicable
- Last name
- Nickname
- Country
- Street address
- City
- State
- ZIP code
Enter the recipient’s name exactly as it appears in their bank records. Avoid using a nickname in the legal name fields, since differences between the information you provide and the bank’s records can potentially cause delays or additional review.
The nickname is used to help you identify the recipient in your saved recipient list. Choose something that will make sense to you the next time you send them money.
Review the information and tap Next.
Review the Wire Recipient Carefully
Before completing the recipient setup for your domestic wire transfer from Chase, carefully review every detail.
Check:
- Wire routing number
- Bank name
- Account number
- Account type
- First and last name
- Recipient nickname
- Address
If anything is incorrect, select Edit and fix it before continuing.
Once a wire has been sent, recovering the money can be difficult and is not guaranteed. This is why the final review is one of the most important parts of the process.
When everything is correct, confirm that the recipient’s account details match their bank records and acknowledge Chase’s warning about the difficulty of recovering a wire after it is sent.
Tap Add Recipient.
Chase will confirm that the recipient has been added. You should also receive an email confirming that a new wire recipient was added.
If you receive a notification that a new wire recipient was added when you did not make the change yourself, contact Chase immediately.
6. Enter the Wire Amount and Date
After adding the recipient, scroll down and tap Send Money.
You will reach the screen where you actually create the wire.
First, confirm the:
- Recipient
- Chase account the money will come from
- Wire amount
If you have multiple Chase accounts, make sure you select the correct account.
You can also choose whether the wire should be a one-time payment or a repeating wire. For a single payment, leave the repeating option turned off.
Chase Wire Transfer Fee Explained
Before completing a domestic wire transfer from Chase, make sure you understand the fee.
Chase charges a wire transfer fee, and the fee can make a domestic wire expensive for smaller payments. For example, if you were sending $30 and the fee were $25, you would pay almost as much in fees as you were sending.
That’s why wire transfers generally make more sense for larger transactions, such as:
- Real estate transactions
- Large contractor payments
- Vehicle purchases
- Significant transfers to family members
- Other high-value payments
For small payments, another transfer method may be more economical.
When to Use Zelle Instead
If you are sending a relatively small amount to someone in the United States, consider whether Zelle is a better option.
Zelle can be useful for everyday payments between participating banks and is generally much more appropriate for small transfers than a wire. A wire may still be necessary when the recipient does not use Zelle, when the amount is substantial, or when the recipient specifically requires a wire.
The important point is to compare the transfer method and its fees before sending the money.
7. Choose the Wire Date
Chase will display the wire date, which is typically set to the current date when you create the transfer.
Pay attention to Chase’s processing cutoff. Domestic wires submitted before the applicable cutoff may begin processing that business day, while wires submitted after the cutoff may be processed on the next business day.
Wires are not processed like instant peer-to-peer payments and generally do not process on weekends or Federal Reserve holidays.
If timing is important, plan your domestic wire transfer from Chase accordingly.
Add a Message or Memo
Chase also provides optional fields for additional information.
A message to the recipient can be used for information the recipient needs to see, such as a job number or other payment reference.
A memo can be used for your own records.
These fields are optional, so you can leave them blank if they are not needed.
Wire Processing Time
Before submitting the wire, Chase will show you the transfer details and explain when the payment is expected to arrive.
A domestic wire typically arrives within one business day, although the exact timing can depend on factors such as processing times, weekends, holidays, and the receiving bank.
Unlike an instant payment service, a wire is designed for secure bank-to-bank transfers rather than immediate everyday payments.
8. Review and Schedule the Wire
The final screen gives you one last opportunity to review the domestic wire transfer from Chase.
Check:
- Recipient
- Chase account sending the money
- Wire date
- Wire amount
- Wire fee
- Total amount
Read the information carefully. If anything is incorrect, go back and edit it before submitting the transfer.
Once everything is correct, tap Schedule Wire.
Your domestic wire transfer has now been submitted.
Final Tips for Sending a Domestic Wire Transfer from Chase
A domestic wire transfer from Chase is straightforward to set up, but accuracy is extremely important. Before submitting one, remember these key points:
- Use the recipient’s wire routing number, not necessarily their standard ACH or direct-deposit routing number.
- Verify the bank name Chase displays after you enter the routing number.
- Confirm the account number carefully and use Chase’s double-entry verification to catch typos.
- Enter the recipient’s legal name accurately.
- Verify all information directly with the recipient using trusted contact information.
- Pay attention to the wire fee, particularly for small transfers.
- Consider Zelle or another transfer method when a wire is unnecessary.
- Allow enough time for processing if the payment is needed by a specific date.
- Treat unexpected recipient-added notifications as a security warning and contact Chase if you did not make the change.
- Review everything one final time before scheduling the wire, because recovering money sent to the wrong account can be difficult.
For large or important payments, taking an extra minute to verify the recipient’s banking information can save you a very expensive headache.
