Send payments to Chase's lockbox address, not to a branch or corporate office

Chase credit card payments go to a dedicated lockbox address, not to a bank branch or the corporate headquarters. The correct mailing address appears on your monthly statement, in your online account, and on the back of your card. Using the wrong address delays your payment and may trigger a late fee.

The lockbox address varies depending on your card type and where you live. Chase maintains separate processing centers for different regions. If you mail a payment to a branch location or corporate office, it will be forwarded to the correct lockbox, which adds 5 to 10 days to processing time.

Key Takeaways

  • The correct mailing address for your Chase credit card payment is printed on your monthly statement and visible in your online account under "Pay My Bill."
  • Mailing addresses differ by card type and region, so always use the address shown on your specific statement rather than a general Chase address.
  • Mail payments should arrive at least 5 to 7 business days before your due date to post on time and avoid late fees.
  • Online and phone payments process when ready and do not require a mailing address, making them faster than mail for time-sensitive payments.
  • If you mail a check to the wrong address, it will be rerouted, adding delay and risk of a late payment report.

Find your payment address on your statement

Open your most recent Chase credit card statement, either the paper copy or the PDF from your online account. Look for a section labeled "Payment Address," "Make Payments To," or "Send Payment To." This section appears near the top or bottom of the first page and shows the lockbox address where Chase processes that specific card's payments.

The address includes a street address, city, state, and ZIP code. Some statements also include a separate address for overnight or courier delivery. Write down the mailing address exactly as printed—do not abbreviate or rearrange the lines, as the lockbox sorting system depends on the precise format.

Check your online account for the current address

Log into your Chase online account or mobile app and navigate to the "Pay My Bill" or "Payments" section. This page displays your current due date, minimum payment, and the mailing address for that statement period. Online accounts update the address if Chase changes lockbox locations, so this is the most current source.

If you have multiple Chase credit cards, each card may have a different mailing address. Do not assume all your Chase cards use the same lockbox. Check the address for each card before mailing a payment, especially if you pay multiple cards in one batch.

Mail your payment early enough to avoid late fees

The U.S. Postal Service typically takes 3 to 5 business days to deliver mail. Chase's lockbox then processes the payment, which adds 1 to 2 business days. To be safe, mail your payment at least 5 to 7 business days before your due date.

If your due date falls on a weekend or holiday, Chase counts the next business day as your due date. Mailing on the day you receive your statement is the safest approach. If you are within a week of your due date, use online or phone payment instead of mail.

What to include with your mailed payment

Write a check or money order payable to "Chase" or "Chase Bank." Do not send cash through the mail. On the memo line of the check, write your credit card account number so the payment posts to the correct account.

Include your payment coupon if your statement came with one—it has your account number printed on it and speeds up processing. If you do not have the coupon, write your account number clearly on the check itself. Place the check and coupon (if you have one) in an envelope and address it to the lockbox address from your statement.

Use online or phone payment for faster processing

If you need your payment to post before your due date and do not have time to mail it, use Chase's online payment system or call their payment line. Online payments through your account typically post within one business day. Phone payments process when ready and are confirmed with a reference number.

To pay online, log into your Chase account, go to "Pay My Bill," and enter the amount and payment date. You can pay from a checking or savings account linked to your Chase profile. Phone payments require your account number and routing number for the bank account you are paying from. Chase's customer service number is on the back of your card.

What happens if you mail to the wrong address

If you send a payment to a Chase branch, corporate office, or an outdated address, the mail will eventually reach the correct lockbox, but processing is delayed by 5 to 10 days. During that delay, your payment may not post by your due date, and Chase may report a late payment to credit bureaus.

If you realize you mailed a payment to the wrong address, call Chase when ready with your account number and the check amount. Ask them to watch for the payment and confirm when it arrives at the correct lockbox. Request that they note your account with the explanation so a late fee can be waived if the payment does not post on time.

Frequently Asked Questions

Can I pay my Chase credit card at a Chase branch in person?

Yes, you can make a payment at any Chase branch during business hours. Bring your credit card or account number and the amount you want to pay. In-person payments post when ready, so this is a good option if you are near a branch and within a few days of your due date.

What if my statement does not show a mailing address?

Call the customer service number on the back of your card and ask for the current mailing address for your card. Do not guess or use an address from an old statement. Chase updates lockbox addresses periodically, and using an outdated address causes delays.

Is it safe to mail a check with my account number on it?

Yes. Your account number alone cannot be used to open new accounts or withdraw money. The check itself is the payment authorization. Mail from a find location like a post office or USPS mailbox rather than leaving it in your home mailbox, where it could be stolen.

How long does a mailed payment take to show up in my account?

Mailed payments typically post within 7 to 10 business days from the date you mail them. This includes mail delivery time (3 to 5 days) plus lockbox processing (1 to 2 days). Online and phone payments post within one business day.

What if I miss my due date because the mail was late?

Contact Chase and explain that you mailed the payment on time but it arrived late due to postal delay. Ask them to waive the late fee and request that they not report the late payment to credit bureaus. Chase sometimes waives one late fee per account if you have a good payment history.