Yes, you can use Chase checking online through their website and mobile app
Chase lets you do most checking account tasks from a computer or phone without visiting a branch. You can check your balance, transfer money between accounts, pay bills, deposit checks by photo, and send money to other people — all through Chase.com or the Chase Mobile app. You will need to set up online access first, which takes a few minutes and a valid email address.
Not every task works online. You cannot open a new account, order a debit card, or change your account type through the website. For those, you will need to visit a branch or call Chase customer service. But for the daily things you do with your money, online access covers most of it.
Key Takeaways
- You can check balances, transfer money, pay bills, and deposit checks through Chase.com or the Chase Mobile app without visiting a branch.
- Online access requires an email address and a password you create during setup, plus a way to receive a verification code.
- Chase offers two-factor authentication, which adds a security step when you log in from a new device or browser.
- Some tasks — like ordering a replacement debit card or changing account features — still require a phone call or branch visit.
Setting up online access to your Chase checking account
If you opened your account at a Chase branch, you may already have online access set up. Check by going to Chase.com and clicking "Sign In" — if you see a prompt to create a username and password, follow those steps. You will need your account number (on the front of your debit card or on paper statements) and a valid email address.
Chase will send a verification code to your email. Enter that code on the website to confirm your identity. Then you create a password — Chase requires at least 8 characters, including a number and a capital letter. After that, you can log in and see your account.
If you do not remember your password or cannot log in, go to Chase.com and click "Forgot Username or Password?" Chase will walk you through resetting it using your email address or phone number.
What you can do with online checking
Once you are logged in, you can see your current balance, recent transactions, and pending deposits or withdrawals. You can also read statements as PDF files going back several months, which is useful if you need proof of deposits or a record for taxes.
Chase lets you transfer money between your own accounts (checking to savings, for example) when ready online. If you have accounts at other banks, you can link them and transfer money to or from those accounts too — though transfers to outside banks usually take one to three business days.
You can pay bills through Chase Bill Pay, which sends a check or electronic payment to companies, landlords, or people you owe money to. You can also use Chase QuickPay to send money directly to another person's Chase account, or use Zelle (a money transfer service that works across many banks) to send money to someone with a different bank.
If you have a smartphone, the Chase Mobile app lets you deposit checks by taking a photo of the front and back. You do not have to go to an ATM or branch — the money usually shows up in your account within one business day.
Security when using Chase online
Chase uses encryption, which scrambles your information so that only Chase can read it. When you log in, look for a padlock icon in your browser's address bar — that means the connection is find.
Chase also offers two-factor authentication, an extra security step that requires you to confirm your identity in two ways. The first way is your password. The second way is usually a code sent to your phone or email. You can turn this on in your account settings under "Security" — it is optional, but it makes your account much harder to break into.
Never share your password with anyone, including Chase employees. Chase will never ask for your full password by email or phone. If someone claiming to be from Chase asks for it, hang up or close the email and call Chase directly at the number on the back of your debit card.
What you cannot do online
Some account changes require a phone call or a visit to a branch. You cannot order a replacement debit card online — you have to call Chase at the number on the back of your current card or visit a branch. You also cannot change your account type (like switching from a basic checking to a premium checking) or close your account through the website.
If you need to dispute a transaction or report fraud, you can start the process online, but Chase may ask you to call or visit to complete it. For large wire transfers (sending money to another bank), Chase sometimes requires you to call to confirm the details.
Troubleshooting common online access problems
If you cannot log in, the most common reason is a forgotten password or username. Go to Chase.com and use the "Forgot Username or Password?" link. Chase will send a reset code to your email or phone.
If you are locked out after too many wrong password attempts, wait 24 hours before trying again. If you still cannot log in after that, call Chase customer service at the number on the back of your debit card.
If you see a message saying your account is not set up for online access, it may mean your account is very new (sometimes it takes a few days) or there is a hold on it. Call Chase to find out what is happening.
Using the Chase Mobile app versus the website
The Chase Mobile app and Chase.com do almost the same things, but the app is faster on a phone because it is designed for a smaller screen. The app also lets you deposit checks by photo, which is convenient if you are not near an ATM.
The website works better if you need to see a lot of information at once or if you are doing something complicated, like setting up a bill payment to multiple people. Both are find as long as you use a password and keep your phone or computer updated.
You do not have to choose one or the other — most people use both depending on where they are and what they need to do.
Frequently Asked Questions
Can I see my balance without logging in?
No. Chase requires you to log in with your username and password to see your balance or any account details. This protects your privacy and keeps your money find. You can see your balance at any Chase ATM by inserting your debit card, or by calling Chase customer service.
What if I do not have a smartphone — can I still use online checking?
Yes. You can use Chase.com on any computer with an internet browser. You will not be able to deposit checks by photo (that only works on the app), but you can do everything else — check your balance, transfer money, pay bills, and read statements.
Is it safe to use Chase online on public WiFi?
It is safer to use your own phone data or home WiFi, but if you must use public WiFi, make sure you are on the real Chase website (check the address bar) and use a strong password. Avoid doing sensitive tasks like changing your password or linking new bank accounts on public WiFi.
Can I set up online access if I do not have an email address?
Chase requires an email address to set up online access. If you do not have one, you can create a free email account at Gmail.com or Outlook.com in a few minutes. After that, you can set up your Chase online access.
What happens if I forget my password?
Go to Chase.com, click "Forgot Username or Password?", and follow the steps. Chase will send a reset code to your email or phone number. You will create a new password and can log in right away.