Where to Send Your Chase Credit Card Payment

Send payments to Chase's lockbox, not their branch offices or online portals alone

Chase credit card payments go to a lockbox address, which is a processing center that handles mail payments only. The address depends on which state you live in and sometimes on your card type. You cannot mail a payment to a Chase branch or their corporate headquarters — it will be delayed or sent back. Online and phone payments go through different systems and reach your account immediately, but if you pay by mail, you must use the correct lockbox address or your payment may arrive late.

Your correct mailing address appears on your monthly statement, on the back of your card, and in your online account under "Make a Payment" or "Payment Information." If you cannot find it, calling the number on the back of your card will give you the exact address for your specific card and state.

Key Takeaways

• Chase uses regional lockbox addresses for mailed payments, and the correct address is printed on your statement and in your online account.
• Mailing a payment to a Chase branch or corporate office will delay it or cause it to be returned to you.
• Online and phone payments process immediately and do not require a mailing address.
• If you mail a payment, allow 5 to 7 business days for it to reach the lockbox and post to your account.
• Late fees apply if your payment is not received by the due date, even if you mailed it on time.

How to find your lockbox address

The easiest place to find your lockbox address is your monthly statement. Look at the section labeled "Make a Payment," "Payment Address," or "Where to Send Your Payment" — it will list the full mailing address for your state. This address changes based on where you live, so do not use an address from an old statement or from someone else's card.

You can also find it in your online Chase account. Log in, go to your credit card, and look for "Make a Payment" or "Payment Information." The mailing address will be listed there alongside the online and phone payment options. If you have multiple Chase cards, each one may have a different lockbox address depending on the card type and your state.

The back of your physical card may also print a payment address, though it is often abbreviated or generic. Your statement is the most reliable source.

Why Chase uses lockbox addresses instead of branch offices

A lockbox is a post office box managed by a third-party processing company on Chase's behalf. Mail goes directly to the lockbox, is opened and scanned, and the payment information is sent electronically to Chase's system. This process is faster and more secure than having customers mail payments to individual branches, because it centralizes all payments in one place and reduces the chance of a payment getting lost in a branch office.

If you mail a payment to a Chase branch, the branch staff will not know what to do with it. They may forward it to the lockbox, which delays posting by several days, or they may return it to you. Either way, your payment will not reach your account on time, and you may be charged a late fee even though you mailed it before the due date.

Mailing a payment versus paying online or by phone

Mailed payments take 5 to 7 business days to arrive at the lockbox and post to your account. During that time, your payment is in transit and not yet recorded. If your due date is in 3 days and you mail a payment today, it will likely arrive late. Online and phone payments post immediately — usually within hours — so your account is updated right away.

Online payments can be made through your Chase account or through Chase's automated phone system. You provide your account number, routing number (if paying from a bank account), or debit card information. Phone payments are made by calling the number on the back of your card and speaking to an automated system or a representative. Both methods charge no fee and are recorded instantly.

Mailed payments are useful if you do not have online access, prefer not to share banking information over the phone, or want a paper record. However, they require planning ahead because of the transit time. If you are close to your due date, do not mail a payment — use online or phone instead.

What happens if your mailed payment arrives late

A payment is considered late if it is not received by your due date, not if it is mailed by your due date. If you mail a payment on the due date, it will almost certainly arrive after the due date has passed. Chase will report the late payment to credit bureaus and charge a late fee, usually between $25 and $40 depending on your card and account history.

If a payment arrives late, you can call Chase and ask them to review the circumstances. Some cardholders have had late fees waived if they can show the payment was mailed well before the due date and the delay was caused by the postal service. However, this is not may provide, and the late payment will still appear on your credit report.

To avoid this, mail payments at least 7 to 10 days before your due date, or use online or phone payment if your due date is fewer than 7 days away.

Lockbox addresses vary by state and card type

Chase maintains different lockbox addresses for different regions and sometimes for different card types (such as business cards versus personal cards). Using the wrong address will send your payment to the wrong processing center, which delays it. The address on your statement is always the correct one for your specific card and location.

If you move to a different state, your lockbox address may change. Check your next statement or log into your account to confirm the new address. Do not assume your old address will still work.

Frequently Asked Questions

Can I pay my Chase credit card at a Chase ATM or branch?

Some Chase branches and ATMs allow you to deposit cash or checks toward your credit card balance, but this is not the same as mailing a payment to the lockbox. If your branch offers this service, the deposit posts faster than mail. However, not all branches offer it, so call ahead or ask at your local branch. For mailed payments, you must use the lockbox address.

What if I cannot find my lockbox address?

Call the number on the back of your Chase credit card. A representative will give you the correct mailing address for your card and state. You can also log into your online account and look under "Make a Payment" or "Payment Information." Write down the address and keep it with your payment records so you have it for future reference.

Do I need to include my account number on the check?

Yes. Write your account number on the memo line of your check or include it in a separate note with your payment. This helps the lockbox processing center match your payment to your account. If your account number is missing, the payment may be delayed while Chase tries to identify which account it belongs to.

How long does it take for an online payment to show up?

Online payments usually post within a few hours, though Chase may take up to one business day to process them. Phone payments post at similar speeds. If you pay online before midnight on your due date, it will count as on-time, even if it does not appear in your account until the next day.

What if I pay by mail but my payment gets lost?

If you mailed a payment and it does not appear on your statement within 10 business days, contact Chase immediately. Have your check number, amount, and mailing date ready. Chase can investigate whether the payment reached the lockbox. If it was lost in the mail, you may need to stop payment on the original check and send a new payment online or by phone to avoid a late fee.