You want to stop writing paper checks and start paying your bills straight from your Chase account. Bill Pay lets you pay almost any company or person with a U.S. mailing address, from utilities and rent to credit cards and your gym membership, all from one place.
The setup is the same idea on every surface: enroll once, add the people and companies you pay, then schedule payments. This guide walks you through it on the Chase website and the Chase Mobile app, plus the business and commercial flows, with the exact menu paths Chase uses.
One thing to settle before you start. Paying a Chase credit card directly is a separate flow from Bill Pay, and the menu labels are different. This guide covers both so you do not confuse them.
What You Need Before You Start
You must be enrolled in Chase Online (online banking) before you can activate and use Online Bill Pay. There is no additional cost; Chase confirms there is no extra charge to use the service.
For each company or person you want to pay, have their details on hand, along with your account number with that payee if one applies. Chase will prompt you for the information it needs when you add the payee.
Bill Pay works for common bills like utilities, telecom, rent or mortgage, credit cards, auto loans, gym memberships, and charitable donations, essentially any company or person with a U.S. postal address.
Enroll in Online Bill Pay on the Web (One Time)
This is the activation step. Do it once on a desktop browser at chase.com, and Bill Pay stays on for that account.
- 1.Sign in to Chase Online at chase.com.
- 2.Choose Pay & Transfer in the navigation menu.
- 3.Under Bill Pay, choose Enroll now.
- 4.Review the agreement and select Accept.
- 5.Select the account you want to enroll and choose Next.
That activates Online Bill Pay on the account you selected. You cannot add a payee or schedule a payment until this is done.
Add a Payee on the Web
A payee is the company or person you are paying. Add them once, then reuse them for every future payment.
- 1.Sign in and choose Pay & Transfer, or choose Pay bills in the navigation menu.
- 2.If it is your first time paying someone, choose Add a payee. To edit existing ones instead, choose Manage payees.
- 3.Enter the requested information for your payee and choose Next.
- 4.Review the details and, if correct, choose Add payee.
The business flow uses slightly different wording: choose Add recipient, enter the information, choose Next, then Add payee.
Schedule a One-Time Payment on the Web
Once a payee exists, paying them takes under a minute.
- 1.Sign in and choose Pay bills, then Schedule payment in the navigation menu.
- 2.Choose your payee.
- 3.Enter the amount.
- 4.Choose the Pay from account.
- 5.Choose the Send on or Deliver by date.
- 6.Verify your details, choose Next, then Schedule payment to send.
A confirmation screen appears where you can save or share your receipt. From here you can keep it as a one-time payment or choose the option to make it recurring.
Set Up Automatic (Recurring) Payments on the Web
Use this for bills that repeat, so you never have to remember a due date. Add the payee first; automatic payments require an existing payee.
- 1.Sign in and choose Pay & Transfers.
- 2.Choose Payment Activity.
- 3.Choose Automatic payments under Bill Pay in the side menu.
- 4.Choose Set up an automatic payment and complete the flow.
Turn On eBills for Eligible Payees
eBills are electronic versions of the paper bills or statements you receive each month from companies like telecom providers, utilities, and retailers. They contain the same details as the paper bill, delivered inside Bill Pay.
- 1.Make sure you are already enrolled in Online Bill Pay.
- 2.Go to the Schedule Payment screen.
- 3.View the payees that are eligible for eBills, shown on that screen.
- 4.Follow the enrollment process to enroll your selected payee.
eBills are only available for payees Chase flags as eligible, and you enroll each one individually.
Set Up Bill Pay in the Chase Mobile App
The app mirrors the website. It is available for select mobile devices, and message and data rates may apply.
- 1.Sign in to the Chase Mobile app.
- 2.Choose Pay Bills in the navigation menu to open Online Bill Pay.
- 3.Choose Add a payee (first time) or Manage payees (to edit), enter the requested information, and complete the flow.
- 4.To pay, choose Pay bills, then Schedule payment.
- 5.Choose your payee, enter the amount, choose the Pay from account and the Send on or Deliver by date, verify, and submit.
A confirmation screen lets you save or share the receipt, the same as on the web.
Pay a Chase Credit Card Directly in the App (Not Bill Pay)
If the bill is a Chase credit card, you do not need to add it as a Bill Pay payee. Pay it directly instead.
- 1.Sign in to the Chase Mobile app.
- 2.Swipe left on your credit card account and tap Pay card.
- 3.Enter or choose the amount and tap Next.
- 4.Choose the account to pay from and the payment date.
- 5.Tap Schedule, confirm the details, then tap Schedule it.
To automate it, tap Pay card, then Set up next to Automatic payments, choose your amount and pay-from account, review, and tap Set up automatic payments. This card-autopay flow is app-only and is separate from Bill Pay automatic payments.
Business and Commercial Online Bill Pay
For business Bill Pay, Chase states you must be enrolled in Chase Online and designate a Chase business checking account as your primary account to activate and use Online Bill Payment.
In the legacy Chase Commercial Online interface, the labels differ. From the Send Payments tab, select Pay Bills & Loans, then:
- Add Payee: click Add Payee, enter the name, ZIP code, and your account number, click Next, verify, then Add Payee.
- One-time payment: click Pay Bills, enter the amount, click Verify Payments, then Schedule Payment.
- Repeating payments: click Repeating & Automatic Payments, select the payee, set the pay-from account, first deliver-by date, frequency, and number of payments, click Preview then Next, then Set Up Repeating Payment.
- View activity: click Payment Activity to review, sort, cancel, or inquire about scheduled payments.
These commercial labels come from a legacy reference and may differ from the current live interface.
Payment Timing and the Bill Pay Guarantee
Delivery depends on the payee. Electronic payments arrive in 1 or 2 business days; paper checks arrive in about 5 business days, for an overall window of 1 to 5 business days.
Payments to your Chase payees can go out the same day if you schedule them before the Online Bill Pay cutoff time. On the business page, that cutoff is 8 PM ET on business days.
Chase guarantees payments are sent on the Send On date you specify. If Chase delays your personal payment, it will cover resulting late fees, provided Chase received your request by the cutoff time, sufficiently in advance of the due date for it to arrive before the interest-free period begins, and you entered the payee information correctly.
Two cautions. Bill Pay payments are not reversible once sent. And the guarantee does not cover late fees caused by your payee's errors, by a payee changing its delivery method, or by you not following the service agreement.
Frequently Asked Questions
Does Bill Pay cost anything?
No. Chase confirms there is no additional cost to use Online Bill Pay.
Why can't I add a payee or schedule a payment yet?
Bill Pay has to be enrolled and activated first. Sign in to Chase Online, go to Pay & Transfer, choose Enroll now under Bill Pay, accept the agreement, select your account, and choose Next. After that, the add-payee and scheduling options become available.
Can I get a payment delivered the same day?
Same-day delivery applies only to Chase payees scheduled before the cutoff time. Other payees take 1 or 2 days for electronic delivery, or about 5 days by paper check.
Is paying my Chase credit card the same as Bill Pay?
No. To pay a Chase card, swipe left on the card in the app and tap Pay card, which is a direct payment flow. Bill Pay (Pay bills then Schedule payment) is for external companies and people you add as payees.
Can I cancel a payment after I send it?
Bill Pay payments are not reversible once sent. Review the amount, payee, and date carefully before you confirm, and use the Payment Activity screen to manage anything still scheduled.
How do I make sure the late-fee guarantee actually applies?
Submit your payment before the cutoff time and schedule it far enough ahead of the due date that it arrives before the interest-free period begins. Submitting by the cutoff alone is not enough if it is too close to the due date, and the payee information must be entered correctly.
