The fastest way is through Chase's website or mobile app, using the transfer tool in your investment account
Log into your Chase investment account online or in the mobile app. Find the transfer or withdrawal option—usually labeled "Transfer Funds" or "Move Money"—and select it. Choose your Chase checking account as the destination. Enter the amount you want to move. The money typically arrives in your checking account within one business day, though it can take up to three business days depending on the type of investment account and the time you initiate the transfer.
If you cannot find the transfer option in your account, call the phone number on the back of your investment account statement. Chase customer service can walk you through the process or initiate the transfer for you over the phone. Have your checking account number ready when you call.
The transfer happens between two accounts you already own at the same bank, so there are no wire fees or external transfer delays. Chase does not charge you to move money between your own accounts.
Key Takeaways
- Transfers between your Chase investment and checking accounts happen through the Chase website or app using the transfer tool, with money arriving within one to three business days.
- You can also call Chase customer service to request the transfer by phone if you cannot locate the transfer option in your account.
- Moving money between your own Chase accounts does not incur any fees.
- The speed of the transfer depends on the type of investment account you hold and when during the business day you submit the request.
Where to find the transfer tool in the Chase app
Open the Chase mobile app and log in. Tap on your investment account from the list of accounts. Look for a menu icon (usually three horizontal lines) or a "More" option at the bottom of the screen. Select "Transfer Funds," "Move Money," or "Withdraw." You will see a screen asking you to choose the destination account—select your Chase checking account.
On the Chase website, log in and navigate to your investment account. The transfer option is usually in the account menu or under a "Transfers" tab. The process is the same: select the destination account, enter the amount, and confirm. After you submit, you will see a confirmation number. Save or screenshot this for your records.
How long the transfer takes and what affects the timing
Money moved between Chase accounts typically posts within one business day. However, the exact timing depends on what type of investment account you have. Transfers from a Chase brokerage account (stocks, mutual funds, ETFs) may take longer than transfers from a Chase savings or money market account because the brokerage must settle the sale of any securities first.
If you initiate the transfer after 5 p.m. Eastern Time on a weekday, or at any time on a weekend or holiday, it will not process until the next business day. Once it processes, add one more business day for the money to appear in your checking account. This means a Friday evening transfer might not show up until Wednesday.
If you need the money urgently, call Chase customer service during business hours and ask if they can expedite the transfer. They cannot always do this, but it is worth asking, especially if you are moving money from a savings or money market account rather than a brokerage account.
What happens if you are selling investments to fund the transfer
If your investment account holds stocks, mutual funds, or exchange-traded funds (ETFs), Chase must sell those holdings before the cash can move to your checking account. This adds time to the process. The sale itself takes one to two business days to settle, and then the transfer to checking takes another one to three business days.
When you initiate a transfer from a brokerage account, Chase will automatically sell enough of your holdings to cover the amount you requested. You do not choose which investments to sell—Chase handles that. If you want to control which investments are sold, you can sell them manually first, wait for the cash to settle in your brokerage account, and then transfer the cash to checking.
Be aware that selling investments may trigger capital gains taxes if the investments have increased in value since you bought them. You will receive a tax form (Form 1099-B) at the end of the year showing the sale. Consult a tax professional if you are unsure about the tax impact of selling.
Transferring money if your checking account is at a different bank
If your checking account is not with Chase, you cannot use the internal transfer tool. Instead, you will need to withdraw the money from your Chase investment account and deposit it into your other bank account. You have three options: wire transfer, external transfer (ACH), or check.
Wire transfer is the fastest method. The money arrives the same business day or the next business day. Chase charges a fee for outgoing wire transfers—typically $15 to $25, depending on whether the wire is domestic or international. To initiate a wire, call Chase or use the wire transfer option in your investment account online.
External transfer (ACH) is free but slower. It takes three to five business days for the money to reach your other bank. Set this up through your Chase account by selecting "Transfer to External Account" and entering your other bank's routing number and your account number there.
Check is the slowest option. Request a check from your Chase investment account, and it will arrive by mail in five to ten business days. You then deposit it into your other bank. This method is free but requires you to wait for mail delivery and then for your bank to clear the check.
What to do if the transfer does not arrive on time
If you initiated the transfer more than three business days ago and the money has not appeared in your checking account, log into Chase and check the status. Go to your investment account and look for a "Transaction History" or "Recent Activity" section. Find the transfer you initiated and see if it shows as "Pending," "Processed," or "Failed."
If the status shows "Pending," the transfer is still in progress. Wait one more business day. If it shows "Processed" but the money is not in your checking account, the delay is likely on the checking account side—log into that account and check its transaction history to see if the deposit appears there.
If the transfer shows "Failed," call Chase immediately. Have your confirmation number ready. A failed transfer usually means there was a problem with the destination account (wrong account number, account closed, or account frozen). Chase can tell you what went wrong and help you resubmit the transfer with corrected information.
Frequently Asked Questions
Can I transfer money from my Chase investment account to someone else's checking account?
No. Transfers between Chase accounts only work when both accounts are registered in your name. If you want to send money to someone else, you must withdraw it to your own checking account first, then use a separate transfer method like Zelle, wire transfer, or ACH to send it to their account.
Is there a limit to how much I can transfer at once?
Chase does not publish a single transfer limit that applies to all accounts. Some investment accounts have daily or monthly limits, while others do not. Log into your account and attempt the transfer to see if a limit message appears. If you hit a limit, call Chase to ask if it can be raised or if you need to split the transfer across multiple days.
What if I transfer money by mistake to the wrong account?
If you transferred to the wrong Chase account (one that is still yours), you can reverse it by transferring the money back. If you transferred to someone else's account by mistake, contact Chase immediately. They may be able to recall the transfer if it has not yet posted, but once it has posted to another account, recovery depends on that account holder's cooperation.
Do I pay taxes when I transfer money from my investment account to checking?
Transferring cash does not trigger taxes. However, if Chase had to sell investments to fund the transfer, you may owe capital gains tax on the profit from those sales. You will receive a tax form showing the sale at the end of the year. Consult a tax professional about your specific situation.
Can I set up automatic recurring transfers from my investment account to checking?
Chase does not offer automatic recurring transfers from investment accounts to checking accounts. You must initiate each transfer manually through your account or by calling customer service. If you want regular money movement, consider setting up a separate automatic transfer from your checking account to savings, or speak with a Chase advisor about other options.