The fastest way to know your account type
Log into your Chase account online or in the mobile app and look at your account name. Chase displays the account type right there: it will say "Chase Checking" or "Chase Savings" (or variants like "Chase Total Checking" or "Chase Savings Account"). If you have multiple accounts, each one shows its type separately in your account list.
If you cannot access your account online, call Chase customer service at 1-800-935-9935. Have your account number or the phone number associated with your account ready. A representative can tell you the account type in under a minute.
If you have a physical Chase debit card, the type of account it is tied to may not be obvious from the card itself. The account name in your online portal or a call to Chase is the reliable source.
Key Takeaways
- Your account type appears in the account name when you log into Chase online or the mobile app — look for "Checking" or "Savings" in the label.
- Calling Chase customer service at 1-800-935-9935 takes less than a minute if you cannot access your online account.
- A Chase debit card does not tell you whether the underlying account is checking or savings — you must check the account name or call.
- Knowing your account type matters because checking accounts come with a debit card and checks, while savings accounts have withdrawal limits and different fee structures.
Why the difference matters
Checking and savings accounts work differently at Chase, and the distinction affects how you use the account. A checking account is designed for frequent transactions: it comes with a debit card, check-writing privileges, and no limit on how many times you can withdraw money per month. You can use it for everyday spending, bill payments, and direct deposits.
A savings account is designed to hold money rather than spend it. It typically earns interest (though the rate varies), and federal rules historically limited you to six withdrawals per month, though Chase has relaxed this in recent years. Savings accounts do not come with a debit card or checks.
If you are unsure which type you need, the account name in your portal removes the guesswork. You can also open a second account of a different type if you want both — many people keep a checking account for spending and a savings account for goals.
What to look for in your Chase app or online portal
Open the Chase mobile app or go to chase.com and sign in. On the main dashboard or accounts page, you will see a list of all your accounts. Each account has a name that includes the account type. Look for these common Chase account names:
- Chase Total Checking
- Chase Sapphire Checking
- Chase Premier Plus Checking
- Chase Savings
- Chase Savings Optimizer
- Chase Youth Savings
If you see "Checking" in the name, it is a checking account. If you see "Savings," it is a savings account. Some older accounts may have slightly different names, but the word "Checking" or "Savings" will be present.
You can also click on any account to see its details page, which will confirm the account type and show you the specific features and fees tied to that account.
If you have a Chase debit card but are still unsure
A Chase debit card is almost always tied to a checking account, because checking accounts are the ones that come with debit card access. However, the card itself does not display which account it is linked to, and in rare cases a debit card can be tied to a savings account.
The safest approach is to check your online account or call Chase. When you log in, the account that shows a debit card icon or lists your card number is the one the card is tied to — and that account's name will tell you whether it is checking or savings.
What happens if you still cannot find the answer
If you have logged into your Chase account and the account type is still not clear from the name, or if you do not have online access, contact Chase directly. You can call 1-800-935-9935 (available 24/7), visit a Chase branch in person, or use the chat feature in the Chase mobile app.
When you contact them, have ready: your account number (visible on your debit card or in your online portal), the phone number associated with your account, or your Social Security number. Any of these will let a representative pull up your account and confirm the type.
Frequently Asked Questions
Can I change my checking account to a savings account or vice versa?
No, you cannot convert one account type to another. However, you can open a new account of the type you want and transfer money between them. Close the old account once the balance is zero if you no longer need it.
Does my Chase debit card work the same way in a checking account versus a savings account?
A debit card works the same way regardless of account type — you can swipe it to pay for things. The difference is that checking accounts are designed for frequent debit card use, while savings accounts are not typically issued with debit cards. If your card is tied to a savings account, it will still work, but the account may have different fee structures.
What if I have multiple Chase accounts?
Each account will show its type separately in your online portal or app. You can have both a checking and a savings account at Chase at the same time. The account names will distinguish them — for example, "Chase Total Checking" and "Chase Savings Optimizer."
Is there a fee difference between Chase checking and savings accounts?
Yes, fees vary by account type and the specific product. Checking accounts may have monthly maintenance fees (often waived if you meet certain conditions like direct deposit), while savings accounts typically have no monthly fee but may charge for excess withdrawals. Check your account details in the Chase portal or ask a representative for the fee schedule tied to your specific account.