Yes, you can change your Chase checking account type, and the process usually takes a few minutes online or in a branch
Chase lets you switch between most of their checking account types without closing your account or moving your money. The change typically takes effect right away if you do it online, or within one business day if you do it in a branch. You keep the same account number, routing number, and all your existing transactions — nothing disrupts your direct deposits, automatic payments, or debit card.
The main reason to switch is usually the monthly fee structure. Some Chase checking accounts have no monthly fee, while others charge $12 or $15 per month but offer benefits like higher interest rates or cash back on debit card purchases. If you're paying a fee you don't want, or if you've started meeting the requirements to waive a fee, changing accounts can save you money.
Key Takeaways
- You can change between most Chase checking account types online through your account settings or by visiting a branch in person.
- Your account number and routing number stay the same when you switch, so your direct deposits and automatic payments continue without interruption.
- The change usually takes effect when ready online or within one business day at a branch.
- Chase offers checking accounts with different fee structures and benefits, so compare what each one costs and what you get before switching.
- If you want to switch to an account type you don't currently meet the requirements for, ask a banker whether you can open it anyway or what you need to do first.
Which Chase checking accounts you can switch between
Chase offers several checking account types, and you can move between most of them. The main ones are Chase Total Checking (which has a $12 monthly fee but can be waived), Chase find Checking (designed for people building credit), and Chase Premier Plus Checking (which has a $25 monthly fee but includes higher interest and other perks). Chase also offers student checking accounts and accounts for people under 18.
The one restriction: you generally cannot switch to a student checking account unless you still meet the age requirement, and you cannot switch to an account designed for a specific group (like Chase find Checking, which is meant for people with limited or no credit history) unless you meet that account's purpose. If you're unsure whether you can switch to a particular account, call Chase at the number on the back of your debit card or ask at a branch.
How to change your account type online
Log into Chase.com or the Chase mobile app and go to your checking account settings. Look for an option labeled "Account Details," "Account Settings," or "Manage Account." From there, you should see a link or button to change your account type — it may say "Change Account Type," "Switch Accounts," or "View Account Options." Click it and select the account type you want to switch to.
Chase will show you a summary of the new account's features, fees, and benefits. Review it carefully to make sure you understand what you're switching to — especially the monthly fee and what it takes to waive it. Once you confirm, the change takes effect when ready. You'll see the new account type listed in your account details right away.
How to change your account type at a Chase branch
Walk into any Chase branch with your debit card or ID and tell a banker you want to change your checking account type. They will pull up your account, show you the options available to you, and explain the fees and benefits of each one. This is a good option if you want to ask questions before you decide, or if you're not comfortable doing it online.
The banker will process the change on the spot. It usually takes effect within one business day, though sometimes it's when ready. You'll get a confirmation on screen or on paper, and your debit card continues to work — you don't need a new one.
What happens to your money and account number
Your account number and routing number do not change when you switch account types. This means your direct deposits, automatic bill payments, and any other recurring transfers keep working without any action from you. You do not need to update anything with your employer, your bank, or any company you pay automatically.
Your money stays in the account the entire time. There is no waiting period, no transfer needed, and no risk of losing access to your funds. The only thing that changes is the account type itself — the fee structure, interest rate, and benefits associated with it.
Fees and benefits to compare before you switch
Before you change accounts, understand what each one costs and what you get. Chase Total Checking has a $12 monthly fee but waives it if you keep a $500 minimum balance, set up direct deposit, or maintain a linked savings account with at least $500. Chase Premier Plus Checking costs $25 per month but includes higher interest on your balance and may waive the fee if you keep a higher minimum balance or have other Chase accounts.
Some accounts offer cash back on debit card purchases, while others do not. Some pay interest on your checking balance, while others pay none. Make a list of what matters to you — whether that's avoiding a monthly fee, earning interest, or getting cash back — and pick the account that matches your situation. If you're not sure which one is best, a banker at a Chase branch can walk you through the options.
What to do if you cannot switch online
If you log into your account and do not see an option to change your account type, it may be because you're not currently able to switch to the account you want. This sometimes happens if you don't meet the requirements for that account type, or if there's a hold or restriction on your account.
Call Chase at the number on the back of your debit card and ask why you cannot switch. A representative can tell you whether you need to meet certain requirements first, whether there's a restriction on your account, or whether you need to visit a branch to make the change. They can also help you understand which accounts you are able to switch to right now.
Frequently Asked Questions
Do I need a new debit card when I change my account type?
No. Your debit card continues to work with the new account type. You do not need to request a new card, and your card number does not change. Your existing card works when ready after the switch.
Will changing my account type affect my credit score?
No. Changing your checking account type is not reported to credit bureaus and does not affect your credit score. It is an internal change to your existing account.
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 process — online or at a branch. There is no penalty for switching back, and it takes effect when ready or within one business day.
What if I have automatic payments set up on my current account?
Your automatic payments continue without interruption. Your account number and routing number do not change, so all your recurring payments keep working exactly as they did before.
Can I have more than one checking account type at Chase?
Yes. You can open a second checking account with a different account type while keeping your current one. This lets you use different accounts for different purposes if you want to. Ask a banker at a branch or call Chase to open an additional account.