The quickest way to check your account type
Open the Chase mobile app or log into Chase.com, then look at your account name. Chase displays the account type right in the account title — it will say "Chase Checking" or "Chase Savings" next to your account number. That name appears on your dashboard, in your account list, and on any statements you read.
If you have multiple accounts, each one shows its type separately. The account name is the first thing to check because it is the most direct answer Chase provides.
If the account name is unclear or you cannot access your online account right now, the next fastest route is to call Chase customer service at 1-800-935-9935. A representative can tell you the account type in under a minute.
Key Takeaways
- Your account type appears in the account name on your Chase dashboard, next to your account number.
- Chase Checking and Chase Savings accounts have different fee structures, interest rates, and withdrawal limits, so knowing which you have matters for your banking costs.
- You can also find the account type on your monthly statement, in the account details section at the top.
- If you opened the account online and do not remember which type you chose, the account name in your app is the fastest way to confirm.
Where to find it on your statement
Your most recent Chase statement lists the account type near the top, usually in a section labeled "Account Information" or "Account Details." The statement shows your account number, routing number, and account type all together.
If you have paper statements, this information is on the first page. If you receive statements by email or view them in your Chase account online, scroll to the top of the PDF or the account summary page. The account type will be printed or displayed clearly — it will say either "Checking Account" or "Savings Account."
Statements are useful if you want written confirmation, but they are slower than checking your app if you need the answer right now.
What the difference means for your account
Chase Checking and Chase Savings accounts work differently in ways that affect how you use them. Checking accounts come with a debit card, online bill pay, and unlimited deposits and withdrawals. Savings accounts have no debit card, limit the number of withdrawals you can make per month (usually six), and typically earn a small amount of interest on your balance.
Chase charges a monthly service fee on both types — currently $12 per month for most checking accounts and $5 per month for most savings accounts — but you can waive the fee on either account by keeping a minimum balance or setting up direct deposit. The minimum balance requirement and the interest rate both depend on which specific product you have, so knowing your account type helps you understand what fees explore to you.
If you are unsure whether you have the right account for how you actually use your money, that is a separate decision from confirming which one you have. Knowing the type first makes that decision easier.
Checking your account type through Chase customer service
Call Chase at 1-800-935-9935 and say you want to confirm your account type. You will need to verify your identity with your Social Security number or account number. A representative will tell you whether the account is checking or savings, and can also tell you the current monthly fee, the minimum balance requirement, and the interest rate if you ask.
Chase also has chat support through their website and app. Log in, look for the chat icon (usually in the bottom right), and ask a representative to confirm your account type. Chat is often faster than the phone line during business hours, though response times vary.
Customer service is most useful if you cannot access your account online or if you want to ask follow-up questions about fees or features at the same time.
Why you might not remember which type you opened
If you opened your Chase account online, you chose between checking and savings during signup, but that choice was several steps into the process. Many people do not remember which one they selected, especially if they opened the account years ago or if they have multiple Chase accounts.
The account name in your app is the fastest way to confirm without having to call or dig through old emails. If you opened the account in a Chase branch, the banker who helped you would have told you which type you were opening, but that conversation is straightforward to forget.
Some people open a checking account first and then add a savings account later, or vice versa. If you have both, the account names will be different — one will say "Checking" and one will say "Savings." Your dashboard shows all your accounts, so you can see both at once.
What to do if you have the wrong account type
If you confirm that you have a savings account but you actually need a checking account (or the reverse), you can open a new account of the correct type. Chase lets you open a new account online in about ten minutes, and you can keep your old account open or close it once the new one is set up.
You do not have to transfer money between accounts to change your account type — you can open a new one and move your balance over yourself, or you can keep both accounts if that works for your situation. Closing an old account is optional.
If you want to move your direct deposit or automatic payments to the new account, you will need to update those with your employer or the companies involved. Chase can provide your new account number and routing number once the account is open.
Frequently Asked Questions
Can I see my account type on my debit card?
No. Chase debit cards do not print the account type on the card itself. However, if you have a debit card, that tells you the account is checking — savings accounts do not come with debit cards. If you have no debit card, the account is likely savings, but the app or statement is the only way to be certain.
Does the account number tell me if it is checking or savings?
No. Chase account numbers do not encode the account type. The number itself looks the same whether the account is checking or savings. You have to look at the account name, statement, or ask a representative.
What if I have multiple Chase accounts and forget which is which?
Your Chase dashboard shows all your accounts with their names and types listed separately. You can see at a glance which is checking and which is savings. If you have given them custom nicknames (like "Emergency Fund" or "Paycheck"), the account type still appears next to the nickname in your account list.
Can I change my account type without closing the account?
No. Chase does not allow you to convert a checking account to savings or vice versa. You have to open a new account of the type you need. You can then close the old account or keep both open if you want separate accounts for different purposes.