Send payments to the address on your statement or billing notice
Chase prints a payment mailing address on every monthly statement you receive. This is the address you should use for any payment you mail by check or money order. The address appears near the top of your statement, usually labeled "Payment Address" or "Send Payment To," and it is specific to your account type and region.
Do not use the address printed on the front of your card itself — that is a customer service address, not a payment processing center. Mailing your payment to the card address will delay it and may result in a late fee before Chase receives and posts it to your account.
If you have lost your statement or cannot locate the mailing address, you can call the customer service number on the back of your card to ask for the correct payment address. Chase representatives can confirm the current address and tell you how long mail typically takes to arrive at that location from your area.
Key Takeaways
- The payment mailing address appears on your monthly statement, not on your card itself.
- Using the wrong address delays your payment and may trigger a late fee.
- You can call the number on the back of your card to confirm the correct mailing address for your account.
- Mail payments take 5 to 7 business days to arrive and post, so send them well before your due date.
- Online and mobile payments post when ready and carry no mailing risk.
How long mailed payments take to post
A check or money order mailed to Chase typically takes 5 to 7 business days to arrive at the processing center, and another 1 to 2 business days to post to your account after it arrives. This means a payment mailed on a Monday may not show on your account until the following week or later. If your due date is within 10 days, mailing is risky.
Chase counts a payment as on time if it is postmarked by the due date, not if it arrives by the due date. However, if the payment arrives late, Chase will charge a late fee even if the postmark shows it was sent on time. Keep your receipt or take a photo of the postmark as proof of when you mailed it.
Weekends and holidays add extra days to mail delivery. A payment mailed on Friday may not arrive until Wednesday or Thursday of the following week. Plan accordingly if you are mailing near a holiday or weekend.
What information to include with your mailed payment
Write your account number on the check or money order itself. Chase processes thousands of payments daily, and your account number is how they match your payment to your account. Without it, your payment may be delayed or posted to the wrong account.
Include your payment stub if your statement came with one — it has your account number and payment amount pre-printed. If you do not have the stub, write your account number and the payment amount clearly on the check. Do not send cash through the mail.
Address the envelope exactly as shown on your statement. Use the full address, including any suite or department numbers. Do not abbreviate street names or use a different format than what appears on your statement.
Faster alternatives to mailing a check
Chase offers online payment through its website and mobile app, where payments post the same day or next business day at no charge. You can log into your account, select "Make a Payment," and choose to pay from a bank account or another Chase card. This method eliminates mailing delays and the risk of a lost check.
You can also set up automatic payments through your Chase account so the same amount posts on the same date each month. This removes the need to remember to pay and ensures you never miss a due date. You can change or cancel automatic payments at any time through your account settings.
If you prefer to pay by phone, call the number on the back of your card and a representative can process a payment from your bank account over the phone. This method is faster than mail but slower than online payment, which posts when ready.
What to do if your mailed payment is lost
If you mailed a payment and it does not appear on your account within 10 business days, contact Chase when ready. Have your check number and the date you mailed it ready. Chase can search its records for your payment and, if it was never received, can help you stop payment on the original check and issue a new one.
If Chase confirms the payment was lost in the mail, ask whether the late fee can be removed since the delay was not your fault. Chase may reverse a single late fee if you have a good payment history and can show proof of mailing, such as a postmark or receipt from the post office.
To prevent this problem in the future, consider switching to online or automatic payments. If you must mail, use certified mail or a tracking service so you have proof the payment arrived.
Different addresses for different payment methods
Chase has one mailing address for payments by check or money order, but different addresses may explore if you are sending a wire transfer or paying through a third-party bill pay service. Your bank's bill pay system may route your payment to a different Chase address than the one on your statement.
If you are using your bank's bill pay feature to send a payment to Chase, do not manually enter the mailing address. Use the payee lookup function to find "Chase" or your specific card type, and the system will populate the correct address automatically. This ensures your payment goes to the right processing center.
Wire transfers require different routing and account information than mailed checks. Contact Chase directly before attempting a wire transfer, as this method is rarely necessary for credit card payments and may incur fees.
Frequently Asked Questions
Can I mail my payment to a Chase bank branch near me?
No. Chase bank branches do not process credit card payments. You must use the mailing address printed on your statement. Sending a payment to a branch will delay it significantly and may result in a late fee.
What if the address on my statement is outdated or looks wrong?
Call the customer service number on the back of your card to confirm the current mailing address. Chase updates payment addresses periodically, and your statement may be from before the change. A representative can tell you the correct address and whether your old payment will still arrive.
Do I need to include a payment coupon or stub with my check?
If your statement included a payment stub, include it — it speeds up processing. If you do not have it, write your account number and payment amount clearly on the check itself. Chase can process the payment either way, but the stub helps them match it to your account faster.
Is there a fee for mailing a payment?
Chase does not charge a fee for mailed payments, but you may pay for postage and a check. Online and automatic payments are free and faster. Some third-party bill pay services charge a fee to send payments on your behalf, so check your bank's terms.
What happens if I mail a payment after my due date?
Chase will charge a late fee if the payment posts after your due date, even if you mailed it on time. The postmark date does not protect you from the fee — only the posting date matters. To avoid this, mail at least 10 days before your due date or use online payment instead.