You can change your Chase checking account type online, by phone, or in a branch — the process takes minutes and your account number stays the same
Chase offers several checking account types, each with different monthly fees, minimum balances, and perks. If you opened one account type but your needs have changed, you can switch to a different one without closing your account or losing your history. The change takes effect immediately or within one business day, depending on how you make the request.
The three main Chase checking options are Chase Total Checking (the standard account with a monthly fee waived if you meet one of several conditions), Chase Premier Plus Checking (higher minimum balance, more perks), and Chase Secure Checking (designed for people building or rebuilding credit). You may also see Chase College Checking or Chase Student Checking if you opened an account as a student.
Key Takeaways
- You can switch account types online through your Chase profile, by calling 1-800-935-9935, or by visiting a branch in person.
- Your account number, routing number, and transaction history remain unchanged when you switch account types.
- If you switch to an account with a higher minimum balance requirement, you must meet that minimum within a set timeframe or pay a monthly fee.
- Chase does not charge a fee to change account types, but your new account may have different monthly fees or requirements than your old one.
Change your account type online through Chase.com
Log into your Chase account at chase.com and select your checking account. Look for a menu option labeled "Account Settings," "Manage Account," or "Account Details" — the exact label varies depending on whether you use the website or mobile app. Tap or click on it, then look for an option to change your account type or product.
Chase will show you the account types you are may be able to access to switch to, along with the monthly fee, minimum balance requirement, and key features of each. Select the account type you want and confirm the change. You will see a confirmation message on screen, and Chase will send you an email receipt. The change usually takes effect immediately, though it may take up to one business day to appear in all systems.
If you do not see an option to change your account type online, it may mean your account is not may be able to access for a self-service switch — this sometimes happens with older accounts or accounts that have had recent changes. In that case, call or visit a branch.
Change your account type by phone
Call Chase customer service at 1-800-935-9935. Have your account number and a form of ID ready. Tell the representative you want to change your checking account type and ask which types you are may be able to access for. The representative will explain the fees, minimum balance, and features of each option, then process the change over the phone.
The representative will confirm the change verbally and send you a written confirmation by mail or email. Ask for the confirmation number before you hang up. The change takes effect immediately or within one business day.
Change your account type at a Chase branch
Walk into any Chase branch with your ID and debit card or account number. Tell a banker you want to switch your checking account type. They will show you the available options, explain the differences, and process the change on the spot. You will receive a printed confirmation before you leave.
This method is useful if you have questions about which account type fits your situation, or if you want to make other changes to your account at the same time — such as updating your address or adding a signer. A banker can also discuss whether a different account type might save you money based on how you use your account.
What happens to your account number and existing payments
Your account number and routing number do not change when you switch account types. Any automatic bill payments, direct deposits, or standing transfers you have set up will continue to work without interruption. You do not need to notify your employer, creditors, or any other organization.
Your transaction history, balance, and all previous statements remain in your account. You can still access them through your online banking profile after the switch. Nothing about your account's past is erased or moved.
Minimum balance requirements and monthly fees after the switch
Each Chase checking account type has its own monthly fee and minimum balance requirement. If you switch to an account with a higher minimum balance than you currently maintain, you will have a grace period — usually 30 days — to meet the new minimum. If you do not meet it by the deadline, Chase will charge the monthly fee starting the following month.
If you switch to an account with a lower minimum balance or more ways to waive the fee, your monthly costs may go down. For example, Chase Total Checking waives its monthly fee if you maintain a $500 minimum balance, receive direct deposits, or set up a Chase credit card payment. If you switch to this account and meet one of those conditions, you will not pay a monthly fee.
Check the current fee and minimum balance requirement for your new account type before you confirm the switch. Chase will show you this information on screen or the representative will tell you over the phone.
Switching back to your old account type
If you switch account types and then decide you prefer your old account, you can switch back using the same methods — online, by phone, or in a branch. There is no limit to how many times you can change account types, and Chase does not charge a fee for switching.
However, if you switch back and forth frequently, a banker may ask why, in case there is a better account option for your situation. If you find yourself switching repeatedly, it may be worth discussing your banking habits with a Chase representative to find an account type that truly matches how you use your checking account.
Frequently Asked Questions
Will switching account types affect my credit score?
No. Switching between Chase checking account types does not trigger a credit inquiry or appear on your credit report. It is an internal change to your existing account and has no impact on your credit.
What if I have pending transactions when I switch?
Pending transactions will post to your new account type normally. The account type change does not delay or cancel any pending payments or deposits. Your account number stays the same, so everything routes to the correct place.
Can I switch if I have a negative balance or owe Chase money?
Chase may not allow you to switch to a different account type if your account is overdrawn or if you owe fees or penalties. Contact Chase to resolve any outstanding balance first, then request the account type change.
Do I need to order a new debit card when I switch account types?
No. Your existing debit card will continue to work with your new account type. You do not need to order a replacement card unless your current card is damaged, lost, or expired.
How long does it take for the switch to show up in my online banking?
The change usually appears immediately if you switch online or in a branch. If you switch by phone, it may take up to one business day to appear in all systems, though your account will function correctly with the new type right away.