You can add a savings account to Chase through the mobile app, online banking, or in person at a branch
The fastest way is the Chase mobile app: open it, tap the menu icon, select "Add Account," choose "Savings," and follow the prompts to link an existing Chase savings account or open a new one. If you already have a Chase checking account, the system recognizes you and moves faster. Online banking works the same way—log in, find the account management section, and select the option to add a savings account. If you prefer to do this in person, any Chase branch can open a savings account on the spot; bring a government ID and your current Chase account information.
The process takes about five to ten minutes in the app or online. If you are opening a brand-new savings account rather than linking one you already have, you will need to fund it with an initial deposit—the minimum varies by account type, but Chase typically requires $0 to $25 to open, depending on the savings product. That deposit can come from your checking account, another bank, or a check deposit through the app.
Key Takeaways
- The Chase mobile app is the fastest route: tap the menu, select "Add Account," choose savings, and complete the setup in under ten minutes.
- You can link an existing Chase savings account you already own, or open a brand-new one during the same process.
- Online banking at chase.com works identically to the app if you prefer a computer.
- In-person at a Chase branch, bring your ID and checking account details; a banker can open and link a savings account in one visit.
- New savings accounts usually require a small opening deposit ($0 to $25), which you can transfer from your checking account when ready.
Adding an existing Chase savings account through the app
Open the Chase mobile app and sign in with your username and password. Tap the menu icon (three horizontal lines) in the bottom right corner, then scroll down and select "Add Account." The app will show you options: choose "Savings Account." If the savings account is already in your name at Chase, the system will find it automatically and ask you to confirm. Tap "Link" or "Add," and it appears in your account list within seconds.
Once linked, you can see the balance, transfer money between accounts, and manage both from one login. The savings account shows up alongside your checking account on your main dashboard. You can rename it (for example, "Emergency Fund" or "Vacation Savings") to keep track of what you are saving for—tap the account, select settings, and edit the nickname.
Opening a new Chase savings account at the same time
If you do not have a Chase savings account yet, you can open one during the same process. In the app, after you select "Add Account" and "Savings Account," the system will ask whether you want to link an existing account or open a new one. Choose "Open New Account." You will see Chase's current savings products—typically a basic savings account and a high-yield savings account (the rates and names change, so check the app for current options).
Select the account type you want, review the terms, and confirm. The app will ask for an opening deposit amount. You can transfer this from your checking account when ready, or you can fund it later. Once you confirm, the account opens and links to your profile. You should see it in your account list within a few minutes, though it may take a business day for transfers to post.
Adding a savings account through Chase online banking
Log in to chase.com on a computer or mobile browser. Click on your username or profile icon in the top right, then select "Account Settings" or "Manage Accounts." Look for an option labeled "Add Account" or "Link Account." Select "Savings Account," and the process mirrors the app: you can link an existing Chase savings account or open a new one.
Online banking sometimes shows slightly different wording than the app, but the steps are identical. After you add or open the account, it syncs to your mobile app within minutes. If you are opening a new account online, you will be asked to fund it; you can transfer from your checking account or another bank account you have on file.
Adding a savings account in person at a Chase branch
Walk into any Chase branch with your government-issued ID (driver's license, passport, or state ID) and your current Chase account number or debit card. Tell the banker you want to add a savings account. If you already have a Chase savings account elsewhere, they can link it to your profile in minutes. If you want to open a new one, they will show you the options, explain the rates and features, and open it on the spot.
Bring a checkbook or have your routing and account number ready if you want to fund the new account from another bank. Most people fund it from their Chase checking account, which the banker can do when ready. The entire process takes ten to fifteen minutes. You will receive a debit card for the savings account if it is a checking-linked product, or you may receive one by mail within five to seven business days depending on the account type.
What happens after you add a savings account
Once the account is linked, it appears on your Chase dashboard alongside your other accounts. You can transfer money between your checking and savings accounts at any time through the app or online banking—these transfers are when ready and free. You can also set up automatic transfers: for example, move $50 from checking to savings every payday. Go to the savings account, select "Transfers," and choose "Set Up Recurring Transfer."
Your savings account earns interest based on the account type and the current rate Chase offers. Rates change, so check your account details or call Chase at the number on your debit card to confirm the current rate. You can withdraw money from the savings account anytime, but federal rules limit you to six withdrawals per month (this rule varies by account type, so confirm with Chase). Transfers to other banks count toward this limit.
Troubleshooting: what to do if the account does not appear
If you added a savings account but it does not show up in your app or online banking, wait a few minutes and refresh. Close the app completely and reopen it, or log out of online banking and log back in. Most accounts appear within five minutes. If it has been more than an hour, restart your phone or try a different browser.
If the account still does not appear, contact Chase directly. Call the number on the back of your debit card, or use the chat feature in the Chase app (tap the menu icon and select "Contact Us"). Have your account number ready. A banker can confirm the account was opened and troubleshoot why it is not showing in your profile. This usually takes one phone call to resolve.
Frequently Asked Questions
Can I add a savings account from a different bank to my Chase profile?
No. Chase only lets you link Chase savings accounts to your Chase profile. If you have savings at another bank, you can transfer money to your Chase savings account, but you cannot manage the outside account through Chase. You would log into that bank separately.
Do I need a minimum balance to keep a Chase savings account open?
It depends on the account type. Some Chase savings accounts have no minimum balance requirement; others require $0 to open but may have a minimum to earn the advertised interest rate. Check the account details in the app or ask a banker about the specific product you chose.
How long does it take to transfer money from checking to savings after I add the account?
Transfers between your Chase checking and savings accounts are when ready—the money moves within seconds. If you are transferring from an outside bank, it takes one to three business days depending on that bank's processing time.
What if I want to remove a savings account from my Chase profile later?
You can unlink a savings account from your profile through the app or online banking without closing the account itself. Go to the account, select settings, and choose "Remove" or "Unlink." The savings account stays open at Chase; it just no longer appears in your main dashboard. You can link it again anytime.
Can I add multiple savings accounts to Chase?
Yes. You can link or open as many Chase savings accounts as you want and manage them all from one login. Many people open separate accounts for different goals—one for emergencies, one for vacation, one for a down payment—and name them accordingly in the app.