Yes, you can change your Chase checking account type online through your account settings
Chase lets you switch between most of its checking account types using the Chase mobile app or website without calling or visiting a branch. The process takes a few minutes and happens immediately—your new account type and its fees or benefits take effect right away. Not every combination of accounts can be changed online; some switches require a phone call to Chase customer service, but most common moves (like upgrading to a premium account or downgrading to a basic one) work through the app.
The exact steps depend on whether you are using the mobile app or the website, but both routes start in the same place: your account settings or account details section. Chase does not charge a fee to change your account type, and you keep the same account number and routing number when you switch.
Key Takeaways
- Most Chase checking account type changes happen instantly through the mobile app or website without a phone call.
- Your account number stays the same when you switch, so you do not need to update direct deposits or automatic payments.
- Some account combinations—particularly if you are switching from a closed or restricted account—may require a call to Chase customer service.
- Your new account's monthly fee (if any) and benefits take effect on your next statement cycle, though some perks activate immediately.
- Chase does not charge a fee to change your account type, but closing an old account and opening a new one would be different from switching.
How to change your account type using the Chase mobile app
Open the Chase mobile app and sign in to your account. Tap the checking account you want to change, then look for "Account Details" or "Settings"—the exact label varies by app version. Once you are in account details, scroll down until you see an option labeled "Change Account Type" or "Account Options." Tap it.
Chase will show you the account types available to you based on your current account status and history. Select the account type you want to switch to, review the monthly fee (if any) and the benefits that come with it, then confirm the change. The switch happens immediately, and you will see your new account type reflected in the app within seconds.
If the "Change Account Type" option does not appear, your account may not be may be able to access for online switching. This usually happens if your account is flagged for fraud, is overdrawn, or has a recent closure or restriction. In that case, you will need to call Chase at the number on the back of your debit card.
How to change your account type on Chase.com
Log in to Chase.com and click on the checking account you want to change. Look for a menu icon (three horizontal lines) or a "Settings" link, usually in the upper right corner of the account view. Click "Account Settings" or "Manage Account."
Scroll down to find "Account Type" or "Change Account Type." Click the option to change it. Chase will display the account types you can switch to, along with their monthly fees and features. Select your new account type, review the details one more time, and click "Confirm" or "Apply." The change takes effect immediately.
If you do not see a change option on the website, try the mobile app instead—sometimes one platform has the feature available when the other does not. If neither works, contact Chase customer service by phone.
What happens to your fees and benefits when you switch
Your new monthly fee (if your new account type has one) will appear on your next statement, not immediately. If you are switching from an account with a monthly fee to one without, you will not be charged again after the switch. If you are switching to an account with a monthly fee, that fee will first appear on your next billing cycle.
Some benefits—like higher interest rates on savings features or bonus categories for cash back—activate right away. Others, like promotional offers or sign-up bonuses, may not apply if you are switching rather than opening a new account. Check the account details page before you confirm the switch to see which benefits are included.
If your old account had a monthly fee waiver (for example, because you maintained a minimum balance), that waiver does not carry over to your new account type. Your new account will have its own fee waiver rules, which Chase will show you before you complete the switch.
When you cannot change your account type online
Chase blocks online account type changes if your account is overdrawn, has a recent fraud dispute, is flagged for review, or has been closed within the past 90 days. If you are trying to switch out of a student checking account into a regular one, you may also need to call—Chase sometimes requires proof that you no longer meet student status before allowing the switch online.
If you have multiple checking accounts with Chase and want to consolidate them into a single account type, you will need to close one account and keep the other. This is different from switching an account type and requires a phone call or branch visit. The same applies if you want to change your account type and also change which branch it is tied to.
When you call Chase to change your account type by phone, have your account number and a form of ID ready. The process takes about 10 minutes, and the change takes effect the same day.
What to do if the change does not go through
If you see an error message or the change fails partway through, close the app or browser and try again in a few minutes. Sometimes Chase's systems need time to process, and a second attempt will work. If you get the same error twice, take a screenshot of the error message and call Chase customer service—they can see what went wrong and either complete the switch for you or explain why your account is not may be able to access.
If the change went through but you do not see it reflected in your account after an hour, refresh your app or log out and back in. If it still does not show, call Chase to confirm the switch was completed. Occasionally the app display lags behind the actual account status.
Frequently Asked Questions
Do I need to update my direct deposit or automatic payments when I change my account type?
No. Your account number and routing number stay the same when you switch account types, so direct deposits, automatic bill payments, and transfers continue without interruption. You do not need to notify your employer, creditors, or anyone else.
Can I switch back to my old account type if I change my mind?
Yes. You can switch back to your previous account type using the same online process, and it happens just as quickly. There is no penalty or waiting period. If you want to switch back to an account type Chase has discontinued, you will need to call customer service to discuss your options.
What if I want to change my account type but keep a second checking account open?
You can change the type of one account while leaving the other unchanged. Each account can have its own type. If you want to consolidate both accounts into a single account type, you will need to close one account, which requires a phone call or branch visit.
Will changing my account type affect my credit score?
No. Switching between checking account types does not show up on your credit report and has no effect on your credit score. It is treated as an account maintenance change, not a new account or a closure.
How long does it take for my new account benefits to start working?
Most benefits activate immediately or on your next statement cycle. Cash back rates and interest rates on linked savings accounts usually start right away. Monthly fee waivers and promotional bonuses may take one to two billing cycles to appear. Check your account details page after switching to see the exact timing for each benefit.