What you can and cannot change online
You can change many Chase checking account settings through the online portal or mobile app without calling or visiting a branch. You can update your mailing address, phone number, email address, and linked external bank accounts. You can also change your PIN, set up alerts, modify spending limits on debit cards, and adjust your account nickname.
What you cannot change online: your account type (switching from one checking product to another), your primary account holder, your Social Security number on file, or the account's legal structure. Those changes require a phone call to Chase customer service or a visit to a branch in person.
The distinction matters because many people assume "change" means any modification. Chase treats structural changes—the kind that affect tax reporting, account ownership, or regulatory classification—as transactions that need human verification and documentation.
Key Takeaways
- Address, phone, email, linked accounts, and card settings can all be changed through Chase.com or the Chase mobile app without speaking to anyone.
- Account type changes, ownership changes, and changes to your legal name or Social Security number require a phone call or branch visit.
- Most online changes take effect when ready, but linked external accounts may take one to two business days to verify.
- If you are locked out of your online account, you will need to call Chase or visit a branch to regain access before making any changes.
Changing your address, phone, and email through Chase.com
Log into your Chase account at Chase.com and select "Profile & Settings" from the menu. From there, choose "Personal Information" and you will see fields for your mailing address, phone number, and email address. Update whichever ones need to change, then click save. The change takes effect when ready in most cases.
If you are changing your mailing address because you moved, note that Chase will continue to send statements to your old address for a few days while the system updates. If you need statements sent to your new address right away, call Chase at the number on the back of your debit card and ask them to expedite the change. You can also set up paperless statements through the same Profile & Settings menu to avoid mail delays altogether.
Changing your phone number is important if you have set up text alerts or two-factor authentication. Chase will ask you to verify the new number by sending a code to your phone. Enter that code to confirm the change.
Adding or removing linked bank accounts
If you want to transfer money between your Chase account and another bank, you need to link that external account first. Go to "Transfer Money" in the Chase app or website, select "Link a Bank Account," and enter the routing number and account number from the other bank. Chase will then send two small test deposits (usually under $1 each) to that account.
You will need to log into the other bank's website or app and find those two deposits, then return to Chase and enter the amounts to verify you own that account. This process normally takes one to two business days. Once verified, you can transfer money between the accounts when ready.
To remove a linked account, go back to "Transfer Money," find the account in your list, and select "Remove." The account is deleted from your Chase profile right away, though any pending transfers will still go through.
Changing your debit card PIN and card settings
Your debit card PIN can be changed through the Chase app or website. Open the app, go to "Card Controls," select your debit card, and choose "Change PIN." You will be asked to enter your current PIN, then create a new one. The new PIN takes effect when ready and you can use it at ATMs and in-store right away.
Card Controls also lets you set spending limits on your debit card, turn the card on or off temporarily, block certain types of transactions (like international purchases or ATM withdrawals), and receive alerts when the card is used. These changes take effect within minutes. If you turn your card off and then need to turn it back on, you can do that from the same menu without calling anyone.
If you forget your PIN, you cannot reset it online—you will need to call Chase or visit a branch to have a new PIN mailed to you or set up over the phone.
When you need to call Chase instead
Switching from one Chase checking product to another (for example, from Chase Total Checking to Chase Premier Plus Checking) cannot be done online. You will need to call Chase at 1-800-935-9935 or visit a branch. The same applies if you want to change the primary account holder or add a joint owner to the account.
If you need to update your legal name on the account due to marriage, divorce, or other legal change, you will need to provide a copy of the legal document (marriage certificate, divorce decree, court order) to Chase. This must be done by phone or in person, and you may be asked to mail or upload the document.
Changes to your Social Security number on file, your date of birth, or your citizenship status also require verification and must be handled by phone or branch visit. These are treated as sensitive identity changes and Chase will not process them through the online portal.
Troubleshooting if you cannot access your account online
If you have forgotten your password, go to Chase.com and click "Forgot Password?" You will be asked to verify your identity using your username, Social Security number, and date of birth, or by answering security questions you set up when you opened the account. Chase will then send a password reset link to your email address. Click the link and create a new password.
If you cannot remember your security questions or do not have access to your email address, you will need to call Chase at 1-800-935-9935 or visit a branch in person. Bring a government-issued ID. Chase will verify your identity through other means and help you regain access to your account.
If your account has been locked due to suspicious activity, Chase will contact you by phone or email. Do not ignore these messages. Call the number on the back of your debit card or go to a branch to unlock your account. You cannot unlock it online.
How long changes take to show up
Most changes—address, phone, email, card settings, PIN changes—take effect when ready or within minutes. Linked external bank accounts take one to two business days to verify before you can use them for transfers. If you change your mailing address, allow three to five business days for Chase's system to fully update, though your online profile will show the change right away.
If you change your account settings late in the evening or on a weekend, the change may not process until the next business day. Chase's systems update continuously, but some changes are queued and processed during business hours.
Frequently Asked Questions
Can I change my account type from one Chase checking product to another online?
No. Account type changes must be done by phone or in a branch. Call Chase at 1-800-935-9935 or visit your local branch with your ID. A representative will help you switch to a different checking product and explain any changes to fees or benefits.
What if I change my address but my old address is still showing on my statements?
Chase updates the address in their system when ready, but statements that were already printed and queued will still go to your old address. Future statements will use your new address. If you need to stop mail to your old address, call Chase and ask them to flag your account for expedited address updates.
How do I know if my linked bank account is verified?
Once you have entered the two test deposit amounts correctly, Chase will show the account as "verified" in your Transfer Money section. You will see a checkmark or "verified" label next to the account name. Only verified accounts can be used for transfers.
Can I change my PIN if I do not remember my current PIN?
No. If you forget your PIN, you cannot change it online. Call Chase at 1-800-935-9935 or visit a branch. They can set up a new PIN over the phone or mail you a temporary PIN to use at an ATM.
What happens if I change my email address and miss a Chase notification?
If you change your email address, make sure you update it correctly. Chase will send future alerts and statements to the new address. If you entered the wrong email by mistake, log back into your account and correct it as soon as possible. You can also set up text alerts as a backup so you do not miss important notifications.