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If your sender is using the Zelle ® app to send payments, you’ll get the money soon after it’s sent. Then, we apply a hold to confirm that the other bank hasn’t rejected the transfer before the money becomes available in your Chase account. It usually takes 1 to 2 business days for us to receive the money from the sender’s bank. If your sender’s bank isn’t a Zelle ® member, you’ll get the money in 4 to 5 business days. If the bank doesn’t support real-time payments, you’ll get the money in 1 to 3 business days. 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 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 recipient is using the Zelle ® app to receive payments, they’ll get their money soon after it’s sent. If your recipient’s bank isn’t a Zelle ® member, the money should be available 1 to 2 business days after you send it, depending on the other bank’s processing time. If your recipient’s bank doesn’t support real-time payments, the money should be available in 1 to 2 business days.
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 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.