The fastest way to know your account type
Open the Chase mobile app or log into Chase.com, go to your account details, and look for the account type label — it will say "Checking" or "Savings" directly on the account card or in the account information section. If you have your debit card, a checking account will have a card; a savings account typically will not. You can also call Chase customer service at the number on the back of your card or statement, and they will tell you in under a minute.
The account type matters because it determines what you can do with the money: checking accounts are built for frequent deposits, withdrawals, and bill payments, while savings accounts are designed to hold money and earn interest, with limits on how often you can move money out each month.
Key Takeaways
- Your Chase account type appears in the app or online portal under account details, labeled as either "Checking" or "Savings".
- Checking accounts come with a debit card and are meant for everyday spending and bill payments; savings accounts typically do not have a card.
- Savings accounts earn interest on your balance, but checking accounts usually do not.
- Calling Chase customer service can confirm your account type in seconds if you cannot find it online.
Where to find the account type in the Chase app
On the home screen of the Chase mobile app, you will see a list of your accounts. Tap on the account you want to check. The account type — "Checking" or "Savings" — appears near the top of the account details page, usually just below or next to the account name and account number.
If you have multiple accounts, each one will be labeled separately. Some people have both a checking account for daily spending and a savings account for emergency funds or goals, so checking all of them takes only a few seconds.
How to check on Chase.com
Log into your Chase account at Chase.com. On the dashboard, you will see all your accounts listed. The account type label appears next to each account name. Click on any account to see more details, including the full account number, routing number, and recent transactions.
If you do not see the account type label clearly, look for a small information icon (usually an "i" in a circle) next to the account name — clicking it often reveals the full account details, including whether it is checking or savings.
What the differences mean for how you use the account
A checking account is built for movement: you can deposit paychecks, withdraw cash at ATMs, write checks, set up automatic bill payments, and use a debit card for purchases as many times as you want each day. There are no limits on deposits or withdrawals. Most Chase checking accounts do not earn interest on your balance.
A savings account earns interest on the money you keep in it, but federal rules limit you to six transfers or withdrawals per month (though Chase may allow more in practice). Savings accounts are meant to hold money rather than spend it. You cannot write checks or use a debit card from a savings account.
Why Chase might have labeled your account differently than you expected
If you opened an account years ago, the product name may have changed since then. Chase periodically updates account names and features. For example, an older savings product might now be called a "High Yield Savings Account" or a "Money Market Account," but the core type — savings — remains the same.
You may also have opened what you thought was one type but was actually set up as another. This sometimes happens if you opened the account online and missed a step, or if a Chase employee recommended a different product. The account type label in the app or online portal is the official record — that is what matters for how the account actually works.
What to do if you want to change your account type
You cannot convert a checking account to a savings account or vice versa through the app or online portal. You will need to call Chase at the number on your statement or visit a branch in person. A representative can close the old account and open a new one with the type you want, or they may be able to transfer your balance to an existing account of the correct type if you have one.
Before you make the switch, think about what you actually need the account for. If you use it for daily spending and bill payments, checking is the right choice. If you want to set aside money and earn interest, savings is better. Some people keep both.
Frequently Asked Questions
Can I have both a checking and savings account with Chase?
Yes. Many people maintain both accounts — they use checking for everyday expenses and automatic payments, and savings to hold emergency funds or money for a specific goal. You can transfer money between them through the app or online portal.
Do Chase checking accounts earn interest?
Most standard Chase checking accounts earn little to no interest. Chase does offer a few checking products with higher interest rates, but they usually require a minimum balance or direct deposit. Your account details in the app will show the current interest rate, if any.
Why does it matter if my account is checking or savings?
Checking accounts have no limits on withdrawals and come with a debit card for spending. Savings accounts earn interest but limit you to six transfers or withdrawals per month. The type determines what you can do with the money and how much you earn on it.
What if I lost my debit card — does that mean I have a savings account?
Not necessarily. A lost debit card just means the card is gone; you can request a replacement from Chase. The account type is separate from whether you have a physical card. Check the app or online portal to confirm.
Can I move money from my Chase savings account to checking whenever I want?
Yes, you can transfer money between your own Chase accounts through the app or online portal at any time. The federal limit on withdrawals from savings accounts applies to transfers out of the account, so moving money to checking counts toward that limit, though Chase may enforce it differently than the federal rule.