How to find out what checking account you have
The fastest way is to log into your Chase account online or through the mobile app and look at your account summary. It will show your account type — usually something like "Chase Total Checking," "Chase Sapphire Checking," or "Chase Premier Plus Checking." You can also call Chase customer service at the number on the back of your debit card, or visit a Chase branch in person with your ID and ask a banker to tell you.
Your monthly statement also lists your account type, either at the top of the first page or in the account details section. If you have paper statements, look there. If you get statements by email, search your inbox for the most recent one and open the PDF.
Knowing your account type matters because it affects what fees you pay, what benefits come with the account, and what minimum balance (if any) you need to keep to avoid monthly charges.
Key Takeaways
- Your Chase account type appears in your online account summary, on your monthly statement, or when you call customer service.
- Different Chase checking accounts have different monthly fees, minimum balance requirements, and features like ATM fee reimbursement.
- Chase offers several checking account types, each designed for different banking needs and account activity levels.
- If you are unsure whether you are paying a monthly fee, your statement will show it as a separate charge each month.
What the main Chase checking account types are
Chase offers several checking accounts, and the one you have depends on when you opened it and what you chose at the time. Chase Total Checking is the most common option. It has a monthly service fee, but you can waive it by keeping a minimum balance, setting up direct deposit, or maintaining a linked savings account with a certain balance.
Chase Premier Plus Checking is designed for customers who want more features and are willing to keep a higher balance. It typically comes with benefits like ATM fee reimbursement and higher interest on the account itself, though the interest rate is usually very small.
Chase Sapphire Checking is part of Chase's premium tier and comes with additional perks if you also have a Sapphire credit card or investment account with Chase. Chase Student Checking is available to students under 24 and has no monthly fee and no minimum balance requirement.
There are also older account types that Chase no longer offers to new customers but that existing customers may still have. If your account is very old, you might have one of these legacy accounts.
How to read your monthly statement to confirm your account type
Open your most recent Chase statement — either the paper copy or the PDF from your email. Look at the very top of the first page. Your account type is usually printed there in bold or in a section labeled "Account Information" or "Account Details."
Below the account type, you will see your account number and the statement period (the dates the statement covers). If you see a line item that says "Monthly Service Fee" or "Service Charge," that tells you your account has a fee. The amount will be listed next to it.
If you do not see a monthly service fee listed, it means either your account type has no fee, or you waived the fee that month by meeting one of the requirements (like maintaining a minimum balance or receiving direct deposit).
What to do if you cannot find your account type
If you do not have access to your online account or a recent statement, the simplest step is to call Chase. The customer service number is on the back of your debit card. Have your card and a form of ID ready. A representative can tell you your account type in less than a minute.
You can also visit a Chase branch in person. Bring your ID and your debit card. A banker can pull up your account and show you exactly what type it is, what fees explore, and what you would need to do to change it if you want to.
If you have lost your debit card and do not have online access, calling is your best option. Chase can verify your identity using your Social Security number and other personal information.
Understanding the difference between account type and account status
Your account type is the product itself — the name of the checking account you have. Your account status is whether the account is open and active, frozen, or closed. These are two different things.
When you log in online or call, you might see language about your account being "active" or "in good standing." That is the status. The account type is what kind of checking account it is. You can have an active Chase Total Checking account, or an active Chase Premier Plus Checking account. Both are active, but they are different products with different features and fees.
If your account has been closed or frozen, Chase will tell you that directly, and you will not be able to use the account to deposit or withdraw money. That is a separate issue from knowing what type of account you have.
Why your account type matters for fees and features
Each Chase checking account type comes with its own set of rules about monthly fees, minimum balances, and what perks are included. For example, some accounts waive the monthly fee if you keep $500 in the account, while others require $1,500 or more. Some accounts reimburse ATM fees charged by other banks; others do not.
If you are paying a monthly fee and do not want to, knowing your account type tells you exactly what you need to do to stop paying it. You might be able to switch to a different account type that has no fee, or you might be able to meet the requirements of your current account to waive the fee.
Your account type also determines what interest, if any, you earn on your balance. Some Chase checking accounts pay a small amount of interest; others pay none. Knowing which you have helps you understand what your account is actually earning.
Frequently Asked Questions
Can I see my account type on my debit card?
No, your debit card does not show the account type. It shows your card number, your name, and the expiration date, but not what kind of checking account it is. You need to check online, your statement, or call Chase to find out.
What if I have multiple Chase checking accounts?
If you have more than one checking account, each one will have its own type. When you log in online, you will see all your accounts listed. Click on each one to see its type. If you call, tell the representative which account you are asking about, and they will tell you the type of that specific account.
Does my account type change if I do not use my account for a while?
No, your account type stays the same unless you actively change it. However, if your account becomes inactive for a very long time, Chase may close it. If that happens, you would no longer have that account at all, rather than having it change types.
Can I change my account type to one with no monthly fee?
Yes, you can usually switch to a different Chase checking account type. Contact Chase by phone, through your online account, or by visiting a branch. A banker can explain which accounts have no monthly fee and help you switch if you want to. Keep in mind that switching accounts may affect any automatic payments or direct deposits you have set up.
What if my statement shows a monthly fee but I thought my account had no fee?
This usually means you did not meet the requirements to waive the fee that month. Check what your account type requires — it might be a minimum balance, direct deposit, or a linked savings account. If you meet those requirements going forward, the fee should not appear on your next statement.