What you can and cannot change online
You can change some things about your Chase checking account through the Chase mobile app or website — your PIN, password, contact phone number, mailing address, and linked external bank accounts. You cannot change your account type, close the account, remove yourself as the owner, or alter the account's legal structure online. Those changes require a phone call to Chase customer service or a visit to a branch.
The online changes take effect immediately or within one business day, depending on what you are changing. Address and phone number updates usually show up right away. Password and PIN changes are instant. Adding or removing a linked external account can take up to one business day to verify.
If you are trying to change something that is not available in the app or website, you will need to call Chase at the number on the back of your debit card, or visit a branch in person with your ID and account information.
Key Takeaways
- You can change your password, PIN, phone number, mailing address, and linked bank accounts through the Chase app or website without calling.
- Changes to contact information and passwords take effect immediately, while linked account changes may take up to one business day to verify.
- Account type changes, account closure, and ownership changes require a phone call to Chase or a visit to a branch.
- The Chase app and website both offer the same online change options — you do not need to use one over the other.
How to change your password or PIN through the app
Open the Chase mobile app and tap the menu icon (three horizontal lines) in the bottom right corner. Select "Settings" and then "Security." Choose "Change Password" or "Change PIN" depending on what you need to update. Enter your current password or PIN, then type your new one twice to confirm.
Your new password or PIN takes effect immediately. You will be logged out of the app after you confirm the change, and you will need to log back in with your new credentials. Make sure you choose a password that is at least 8 characters long and includes uppercase letters, lowercase letters, numbers, and a special character — Chase requires this combination.
How to change your phone number or mailing address online
Log into your Chase account on the website or app. Go to "Settings" and select "Profile." Choose "Contact Information" and update your phone number or mailing address. After you make the change, Chase will send a confirmation to your email address on file. The new information appears in your account immediately.
If you are changing your mailing address because you moved, update this as soon as possible so Chase sends statements and notices to the correct location. If you are changing your phone number, make sure you have access to your new phone before you confirm the change — Chase may send a verification code to it.
How to add or remove a linked bank account
In the Chase app or website, go to "Settings" and select "Linked Accounts." To add a new account, enter the routing number and account number of the bank you want to link. Chase will send two small deposits (usually between $0.01 and $0.99) to that account within one to two business days. You will need to log into that bank's website or app and confirm the amounts to verify you own the account.
Once verified, the linked account is active and you can transfer money to it. To remove a linked account, go back to "Linked Accounts," find the account you want to delete, and select "Remove." The account is deleted immediately and you will no longer be able to transfer money to it.
If you are linking an account at another bank, make sure you have online access to that bank's website or app so you can confirm the verification deposits. Without confirmation, the link will not complete.
Changes that require a phone call or branch visit
You cannot change your account type (for example, from a basic checking account to a premium account with higher fees and more perks) online. You also cannot close your account, remove yourself as an owner, or change the account from individual to joint ownership through the app or website. These changes require you to call Chase at the number on your debit card or visit a branch with your ID.
If you want to downgrade to a different account type to avoid monthly fees, a Chase representative can walk you through the options and make the change over the phone. If you want to add a joint owner to your account, you will need to visit a branch together with that person and both bring valid ID.
Troubleshooting: Changes that did not go through
If you tried to change something online and it did not save, log out of the app or website completely and log back in. Sometimes a change appears to fail but actually went through — check your settings again before trying a second time. If you see an error message, write down the exact message and the time it happened, then call Chase customer service. They can look up what went wrong and fix it.
If you changed your password and now cannot log in, use the "Forgot Password" link on the login screen. Chase will send a reset link to your email address on file. If you no longer have access to that email, you will need to call Chase or visit a branch to regain access to your account.
If you added a linked account and the verification deposits did not arrive after three business days, the link may have failed. Remove the account from your linked accounts list and try adding it again, making sure you enter the routing and account numbers correctly.
Frequently Asked Questions
How long does it take for a mailing address change to show up?
Your new mailing address appears in your Chase account immediately after you save it online. However, mail that Chase has already sent to your old address may still arrive — it can take up to two weeks for the postal service to forward it or for Chase to stop sending to the old address. If you need to make sure Chase has your correct address right away, call customer service to confirm.
Can I change my account type from checking to savings online?
No, you cannot change your account type online. You will need to call Chase at the number on your debit card or visit a branch. A representative can explain the different account options and make the change for you over the phone or in person.
What if I forget my new password right after I change it?
Use the "Forgot Password" link on the Chase login screen. Chase will send a password reset link to your email address on file. Click the link and create a new password. You do not need to remember the password you just set — you can create a different one.
Do I need to update my linked accounts if I change my password?
No. Changing your Chase password does not affect your linked accounts. The accounts you linked will continue to work the same way. You only need to update linked accounts if you change the password at the other bank.
Can I change my account from individual to joint online?
No. Adding a joint owner requires a visit to a Chase branch with both the current owner and the person you want to add as a joint owner. Both people will need to bring valid ID. You cannot make this change online or over the phone.