Enroll in Zelle® to quickly send and receive money

It is available in the Chase Mobile app and on chase.com.

Zelle^® is a fast and convenient way to send and receive money with people you know and trust who have an eligible account at a participating U.S. bank. For a list of participating banks, please go to zellepay.com/get-started. 

In order to use Zelle^® at Chase, you must have a Chase checking account. Not a Chase customer? Learn more about Chase checking accounts.

If you’re a Chase customer with a Chase checking account, follow these steps to enroll in Zelle^®:

To enroll in our app:

1. Sign in to app.
2. Choose "Send money with Zelle^®" on the side menu.
3. Tap "Get started" on the next screen.
4. Tell us your primary email address.
5. Accept the service agreement and tap "Next."
6. Verify your email address by using a one-time activation code we send you.
7. Tap "Done," and you're ready to use Zelle^®.

To enroll online:

1. Sign in to chase.com.
2. Choose "Pay bills & send money with Zelle^®" on the Pay & transfer menu.
3. Choose "Set up."
4. Choose or tell us your primary email address.
5. Accept the service agreement and choose "Next."
6. Verify your email address by using a one-time activation code we send you.
7. Choose "Next," and you're ready to use Zelle^®.

Chase does not charge consumers additional fees for Zelle^® transactions. You need a Chase checking account to use Zelle^®. Consult your account agreement for any associated account fees. Message and data rates apply depending on your mobile service provider.

Timing for payments you send:

• If your recipient is another Chase customer, he or she will usually get the money a few minutes after you send it, but no later than the next business day.
• If your recipient’s bank is a Zelle^® member and supports real-time payments, the money will usually be available a few minutes after you send it. If your recipient’s bank doesn’t support real-time payments, the money should be available in 1 to 2 business days.

Timing for payments you receive:

• If your sender is another Chase customer, you’ll usually get the money a few minutes after it’s sent, but no later than the next business day.
• If your sender’s bank is a Zelle^® member and supports real-time payments, you’ll usually get the money a few minutes after it’s sent. If the bank doesn’t support real-time payments, you’ll get the money in 1 to 3 business days.

To protect your account, we place a daily dollar send limit on Zelle^® payments, even if your available balance is higher than the daily limit. To help protect you from fraud and scams, Chase dynamically determines the limit for each transaction at the time you set it up based on a number of factors including your recipient. Each transaction will fall within a tier limit that reflects the aggregate total you can send to all recipients within that tier in a day.

We’ll show you the applicable limit for the transaction in the Chase Mobile^® app or Chase online when you set it up. If you’ve already sent a transaction to someone that day, we’ll show you the remaining amount of your daily limit if you send to another recipient within the same tier. See the Zelle^® Service Terms (PDF)  for the additional dollar amounts for the tier limits and additional information on Chase Zelle^® limits and how they work.

When you use Zelle^® your recipients won’t see your account number, and you won’t see theirs. Make sure you send money to people you know and trust in order to help avoid scams and protect your account. Only send money to people and businesses you trust. Zelle^® doesn't offer protection for payments you authorize, so you might not be able to get your money back once you send it.

Just sync your contacts from your mobile phone to make it easy for you to send money to friends and family.

To split a charge in the app, go to your credit card or checking account activity, swipe left on a charge until the "Split" button appears and choose "Split." This will take you into the Request and Split money flow within Zelle^® and from there you can choose or add contacts you’d like to split the charge with.

If you’re not enrolled in Zelle^® and you have an eligible checking account, splitting a charge will take you to Zelle^® enrollment.

If you don’t see the "Split" button when you swipe left, you might have hidden your checking accounts or you may not have an eligible checking account.

Non-Chase customers can check to see if their financial institution offers Zelle^® and sign up. Go to zellepay.com/get-started for more information. If their bank or credit union is not listed, we recommend you use another payment method at this time.