You can change your Chase checking account type, but the process and restrictions depend on which account you have now and which one you want
Chase lets you switch between most of its checking accounts online, by phone, or in person at a branch. The change usually takes effect immediately or within one business day. However, some account types have requirements you may not meet after switching — like a minimum balance or direct deposit — so you need to know what you're moving into before you request the change.
The most common moves are between Chase Total Checking, Chase Premier Plus Checking, and Chase Sapphire Checking. Each has different monthly fees, minimum balance requirements, and perks. If you switch to an account type you can't maintain, Chase will charge you a monthly fee or close the account after a grace period.
Key Takeaways
- You can request an account type change online through Chase's website, by calling customer service, or by visiting a branch in person.
- The change usually takes effect the same day or within one business day, and your account number and routing number stay the same.
- Some account types require a minimum balance or direct deposit; if you can't meet those requirements, you'll pay a monthly fee.
- Switching to a premium account like Sapphire Checking may require you to have a linked savings account or investment account with Chase.
- If you downgrade to a lower-tier account, any perks tied to your old account (like fee waivers) end immediately.
How to request the change online or by phone
The fastest way to switch is through your Chase online account. Log in, go to your checking account settings, and look for an option to "Change account type" or "Upgrade/downgrade account." Follow the prompts to select the new account type and confirm. Chase will show you any fees or requirements associated with the new account before you finalize the change.
If you don't see the option online, or if you want to talk through the change first, call Chase customer service at the number on the back of your debit card. A representative can walk you through the available account types, explain what each one costs, and process the change over the phone. This usually takes 10 to 15 minutes.
You can also visit a Chase branch in person. Bring your debit card or ID, and a banker can switch your account type on the spot. This is useful if you have questions about which account fits your situation or if you want to open a linked savings account at the same time.
What happens to your account number and existing features
Your account number and routing number do not change when you switch account types. This means any automatic payments, direct deposits, or transfers you've already set up will keep working without interruption. You don't need to update your employer, creditors, or other institutions.
However, features tied to your old account type end immediately. If your old account waived certain fees or included perks like higher interest on savings transfers, those stop as soon as the switch completes. Your new account type has its own set of features and fee waivers, which may be different.
If you have a linked savings account or credit card rewards tied to your old checking account, check whether those benefits change. Some Chase products offer bonus interest or fee waivers only when paired with specific checking account types.
Minimum balance and fee requirements for each account type
| Account Type | Monthly Fee | Minimum Balance to Waive Fee | Other Requirements |
|---|---|---|---|
| Chase Total Checking | $12 | $500 or direct deposit | None |
| Chase Premier Plus Checking | $25 | $10,000 or linked savings account | Linked savings account recommended |
| Chase Sapphire Checking | $25 | $10,000 or linked investment account | Linked investment or brokerage account |
| Chase Student Checking | $0 | None | Must be under 25 and enrolled in school |
If you switch to an account type and don't meet the minimum balance or other requirements, Chase will charge you the monthly fee. The fee posts on the same day each month. If you fall short for multiple months, the fees add up quickly.
Some account types also require a linked account with Chase — for example, Sapphire Checking asks for a linked investment account. If you don't have one, you can open it at the same time you switch, or Chase may allow you to open it within a grace period after the switch.
When Chase may not let you switch
Chase rarely blocks an account type change, but a few situations can prevent it. If your account is overdrawn or has a negative balance, Chase may ask you to bring it current before switching. If you have an active dispute or fraud claim on the account, the change might be delayed until the issue is resolved.
If you're trying to switch to a premium account like Sapphire Checking and you don't meet the linked account requirement, Chase may not allow the switch until you open the required account. In that case, you can open the linked account first, then request the account type change.
Student Checking has an age limit — you must be under 25 and enrolled in school. Once you turn 25 or graduate, Chase will convert your account to a standard checking type, usually Total Checking. You'll receive notice before this happens.
What to do if you're charged a fee after switching
If you switched to an account type you can't maintain and Chase charged you a monthly fee, you have options. Call customer service and explain the situation. If this is your first fee and you've been a customer in good standing, Chase may reverse one or two months of fees as a courtesy. This is not may provide, but it's worth asking.
If you realize the new account type isn't working for you, switch back to your old account type or to a different one that better fits your situation. You can do this immediately — there's no waiting period between switches. However, Chase won't reverse fees you've already been charged just because you switched again.
If you want to avoid fees altogether, make sure you understand the minimum balance or direct deposit requirement before you confirm the change. Chase shows you these details during the switching process, so read them carefully.
Switching between Chase and another bank
If you're thinking about leaving Chase entirely rather than just changing account types, you can transfer your money and close the account. Chase won't charge you a fee to close a checking account. However, if you have an outstanding balance or pending transactions, Chase may hold the account open until those clear.
Before you close, make sure all your automatic payments and direct deposits have been redirected to your new bank. This usually takes a few business days to set up. You can also use Chase's internal transfer tools to move money to another bank account you own.
Frequently Asked Questions
Does switching account types affect my credit score?
No. Switching between Chase checking account types does not show up on your credit report and does not affect your credit score. Chase may do a soft inquiry on your account history, but this is internal and has no impact on your credit.
Can I switch back to my old account type if I change my mind?
Yes. You can switch back to your previous account type at any time, using the same methods — online, by phone, or in person. There's no limit on how many times you can switch. However, any fees you were charged before the switch won't be refunded just because you changed back.
What if I have overdraft protection on my old account?
Overdraft protection settings usually transfer with your account when you switch account types. However, check your new account's overdraft settings after the switch to make sure they're what you want. Some account types have different overdraft policies.
Will my debit card still work after I switch?
Yes. Your existing debit card continues to work with your new account type. You don't need to order a new card or update anything. If your card is expiring soon, Chase will send a replacement before it expires, and that card will be linked to your new account type automatically.
Can I switch if I have a negative balance?
Chase typically requires you to bring your account to a zero or positive balance before switching. If you're overdrawn, contact customer service to discuss your options. They may allow you to switch if you agree to a payment plan for the negative balance.