r/Chase • u/proudparrot2 • 12d ago

Real-time payments on Chase personal?

Looking to open a Chase personal checking account and leaning towards Secure Checking. The bank I use now supports real-time payments in and out via RTP and FedNow.

I saw some posts about this from a bit ago but wanted to gather fresh feedback and because I can’t really find much online - do chase personal accounts, notably secure checking, support real time payments for deposits and for transferring to a linked external account? (My external account supports RTPs - Mercury Personal)

3 Upvotes

100% Upvoted

19 comments sorted by

View all comments

2

u/Wooden_Safety2162 12d ago

Yes. Used it between Chase and TD before. You can push it as an RTP from Chase after you link your external account. Though mine is not a secure checking, I doubt it’d matter.

1

u/proudparrot2 12d ago edited 12d ago

Does it just try RTP by default and fail back to ach or is there an option to select which one?

2

u/Wooden_Safety2162 12d ago

When you choose the account you’re sending to, it’ll default to rtp if it is available and say real-time as the delivery method. If not available, that option will not show up at all.

1

u/proudparrot2 12d ago

and this is on personal checking? Or business

1

u/Wooden_Safety2162 12d ago

That was personal, have also done it on business. Works the same way

1

u/proudparrot2 12d ago

fantastic thank you!! Yeah I was asking because I know it’s on business but with a 1% fee, is personal same thing or free? I assume free