Domestic transfers and payments in USD

I’ve got this guy's full name, his phone number, and his checking account number over at Chase. So, how am I supposed to wire him money directly into that account using a standard deposit slip? The thing is—Chase isn't exactly right around the corner from me, so trekking down to a branch is a huge pain. My options are basically either hitting up a Post Office or just using my online banking through Bank of America

If you have his account details handy—specifically that routing and account number combo that looks like XXXXXXX-XXXXXXXXXX—you can just take care of the payment online or stop by a local Post Office...

Mirko said:I actually have this guy's full name along with his Chase checking account number. I was wondering, though, how exactly can I send him money directly into that account using a standard deposit slip? The thing is, I don't really live near a Chase branch, so I'd probably have to use the post office or just stick to my online banking through Bank of America.

Since the recipient's account is with Chase, you should just put his specific account number into the reference field on the slip.

dj108 said:The recipient's account number is just their JPMorgan Chase number, and for the authorization code, you just put in the checking account number.

Is there like a master list of routing numbers for all the banks out there? Just something we can check whenever we're trying to wire money to someone at a different bank through online banking?

Bryan Kern6🤔

routing numbers

once you've got that, just type in your checking account number. You can probably leave the extension blank.

briskfalcon15 said:the bank routing numbers
once you enter that, just put in the account number, and you can leave the reference field blank...

I think we're on the same page here—first those seven digits for the bank, then the recipient's 10-digit account number (no need for the PNB)

yeah, I just put the account number in the field for the number, and then for the routing number, I just type in everything after the dash, like 10000000xx

gogo said:the main routing numbers

once you enter that number, you just put in the account number, and honestly, you can probably just leave the memo line blank.

Gogo, I don't think that's quite right.
The way you handle it is actually how I explained it earlier. So, if you're using JPMorgan Chase:
Recipient Account Number: 2360000–1000000013
Memo Line: Use the account number, but make sure you don't include the prefix.

I've actually double-checked this myself with both Chase and Wells Fargo before. They told me the exact same thing. And more importantly, it works perfectly fine when you actually try it.

dj108 said:Gogo, you've got it wrong here.
The payment goes through exactly how I laid it out before. For example, if you're sending money to JPMorgan Chase:
Recipient Account Number: 2360000–1000000013
Reference number: Use the current account number, just leave out the prefix digits.

I’ve actually double-checked this myself with both Chase and Wells Fargo—they told me the exact same thing. And honestly? More importantly, it actually works when you try it.

When I called Chase, they mentioned that either way works—as long as you include that "17" prefix for the longer version. But hey, if you're saying it works without the prefix and you've already tested it yourself, then fine, I'll take your word for it.

dj108 said:GoGo, that’s not quite right..........

On my Chase checking account, the account number listed is XXXXXXX-XXXXXXXXXX. When I sent money from my account to a coworker's, I just entered exactly what was shown on her statement (just like GoGo mentioned) and the funds landed perfectly. No routing number needed...

berry said:On my Chase checking account, the number listed as my account number is XXX-XXXXXXXXXX. When I was paying my coworker from my own account, I entered exactly what was listed on hers (which is what gogo suggested), and the money went through perfectly. No routing number required.

Alright then, gogo, my bad. It looks like there might be two ways to handle this after all.

I wonder if there's anyone here who actually works in banking who could step in and fully clear this up for us?

Either way works, I guess. The only exception is when certain banks don't actually list your real account number on the card—instead, they use some internal ID, and you have to use that for the payment reference.

Regarding that 1000000013 code, a lot of banks use it, but some have their own specific numbers. Since I have no clue where to find those specific codes—maybe on a bank's official website or something—I just stick to the method I mentioned before. It's easier.

Best,
Chris Ruiz10

Basically, we can just type the bank's main number, then a dash, then the account number, leaving the routing number blank. Or I could do it the way I did before—main bank number, then a dash, followed by that ...0013 code for the Zelle part, and put the actual account number in the phone field. The second way worked for me, but the issue is I'm not sure what numbers follow the dash. That list of main numbers gogo shared only goes up to the dash...

Bryan Kern6🤔

What if some economics major decided to tackle this for their thesis? Reading through all this, it honestly feels like an absolutely unsolvable puzzle... 🙄

I just went through Goldman Sachs and entered the details exactly how gogo suggested—just the unknown routing and account number without any extra phone calls—and everything worked perfectly fine.

I’ve been a loyal customer at Chase for ages, spanning back to when things were much simpler, through every single account tier they offered, including managing a mortgage and setting up my transit card and everything else...

So, I bought tickets for a concert in New York City through this third-party ticket reseller. It turns out those people took all my sensitive info—my credit card number included—and passed it along to some other company without even asking me!
Now, this third company is hitting me with a $9 monthly charge for some random subscription I never signed up for. I went looking online and found forums filled with people dealing with the exact same issue, though since everyone there is American, the situation is slightly different; in their cases, their banks actually stepped in, blocked their cards, and issued refunds once they realized they'd been scammed.

For the last two months, I have been locked in this exhausting battle with the "claims department," mostly because I’m trying to explain to them that this isn't my fault and that I’ve found hundreds of others who were targeted by the same scheme. The representative I spoke with was incredibly dismissive; she basically told me, quite politely, that it was my own mistake, that the bank might have to block my card if I wasn't careful, and that the "monthly membership fee" would just keep coming regardless. Honestly, give me a break.

Eventually, I reached out to a pro bono lawyer here in the US—they tend to handle these types of things so people don't get bullied into paying $9 a month for absolutely nothing—and that professional managed to resolve the whole thing, securing a full refund back to my card.

And then, of course, I get an email from that same lady saying, "Oh, look, your refund has arrived, and we did everything in our power to make sure it was processed quickly." I mean, seriously? First, it’s my fault, then I’m on my own, then suddenly they’re notifying me that the money is back and acting like they were the ones who fixed the mess in the first place!

I’ve been waiting over a month for my replacement card to arrive. When I finally went into the branch yesterday, they just looked at me and said, "Oh, we really aren't sure where the card is or what the hold-up is."

Well, I suppose that’s what happens when you bank with a major institution like this one.

I’m going to pass on commenting that whole "look how well we handled this for you" bit, but if you're looking for someone to blame for this mess, it's definitely you. I mean, even a toddler understands that using your credit card online is entirely on your own head. This serves as a pretty solid wake-up call for anyone else out there thinking they can just gamble away their life savings online without a second thought about which card they're plugging into some sketchy site.

gljeeva, look, if I’ve got this wrong, then fine, I guess I am.
But why is it that when everyone else gets a helping hand from their bank because it’s been proven they were targeted by some third party, JPMorgan Chase just won't step up? It seems to me that institutions like Bank of America or Washington Mutual are perhaps a bit more substantial than JPMorgan Chase.
If those banks are capable of stepping in to assist their clients, then I really don't quite understand why these guys can't do the same.

George Barrett35 said:I’m going to pass on commenting that whole "look how well we handled this for you" bit, but if you're looking for someone to blame for this mess, it's definitely you. I mean, even a toddler understands that using your credit card online is entirely on your own head. This serves as a pretty solid wake-up call for anyone else out there thinking they can just gamble away their life savings online without a second thought about which card they're plugging into some sketchy site.

What kind of logic is "using cards online is at your own risk"? You use cards at your own risk everywhere. You hand your card to a waiter at your own risk. There’s nothing here specifying how the transaction actually went down, but from what I can see, the error—the actual violation—was committed by the company processing the ticket, not the customer.

The internet is perfectly safe for standard, small card transactions, provided the usual security measures are properly implemented. A correctly implemented 128-bit SSL should definitely be more trustworthy than, say, a face-to-face interaction at an ExxonMobil gas station. Up until recently, ExxonMobil was even printing full credit card numbers (not just debit) along with names on receipts (so they just toss them in the trash!). And Peterbilt used to do the same thing years ago (maybe they don't anymore). Using a card in that kind of system is risky. The fact that no bank or card processor will refuse to work with ExxonMobil just because their data protection is subpar is a separate issue entirely.

This whole incident isn't about the risks of using a card online (since based on the info in the post, the transaction wasn't intercepted). Any company that records card numbers in its database (if they are in the USA) and stores them without encryption is breaking the law. In the USA, PCI compliance is mandatory. So, whether that company handed the data over to a third party voluntarily or had it stolen, they still committed a violation. Misusing that data has nothing to do with how it was acquired—it could happen without the internet being involved at all.

And as for our major banks being notorious for treating "small" clients poorly? Well, that's common knowledge.

George Barrett35 said:I’m going to pass on commenting that whole "look how well we handled this for you" bit, but if you're looking for someone to blame for this mess, it's definitely you. I mean, even a toddler understands that using your credit card online is entirely on your own head. This serves as a pretty solid wake-up call for anyone else out there thinking they can just gamble away their life savings online without a second thought about which card they're plugging into some sketchy site.

So, what's your take on this? Ran right into it while I was grabbing some Broadway tickets online earlier.