The fastest way to find out what type of account you have

Open the Chase mobile app or log into Chase.com, then look at your account list on the main dashboard. Next to each account name, Chase shows a label: either "Checking" or "Savings". That label is your answer. If you have paper statements, the account type appears on the first page, usually near your account number.

If you cannot access online banking right now, call Chase at the number on the back of your debit card or the customer service number on your statement. A representative can tell you in under a minute.

Key Takeaways

  • Your Chase account type is labeled directly in the mobile app or on Chase.com next to your account name.
  • Paper statements show the account type on the first page near your account number.
  • Calling Chase customer service at the number on your card or statement will confirm your account type when ready.
  • Checking accounts are meant for frequent deposits and withdrawals, while savings accounts are designed to hold money and earn interest.
  • The account type affects how many withdrawals you can make per month and whether you earn interest on your balance.

Why the difference matters

A checking account is designed for everyday money movement — you deposit paychecks, pay bills, and withdraw cash as often as you need. Chase does not limit how many times you can withdraw or transfer money from a checking account.

A savings account is designed to hold money and earn interest — a small percentage that Chase pays you on your balance. Savings accounts historically had limits on how many withdrawals you could make per month, though Chase and most banks have removed those limits in recent years. The key difference now is that savings accounts earn interest and checking accounts typically do not.

Where to look in the Chase app

On the main dashboard after you log in, you will see a list of all your accounts. Each one shows a balance and a label. Look for the word "Checking" or "Savings" printed directly under or next to the account name. If you have multiple accounts, each one will be labeled separately.

If the label is not when ready visible, tap on the account name itself. A detail screen will open showing the full account type, account number, and routing number. The account type will be stated clearly at the top.

What to look for on your statement

If you receive paper statements by mail, open the most recent one. On the first or second page, near the top, you will see your account number. The account type — "Checking" or "Savings" — is printed on that same section, usually labeled as "Account Type" or "Type of Account".

Statements also show whether you earned interest that month. If there is a line item for "Interest Paid" or "Interest Earned", you have a savings account. Checking accounts do not show interest payments.

Calling Chase to confirm

Have your account number or the debit card linked to the account ready. Call the customer service number on the back of your card or on your statement. Tell the representative you want to confirm what type of account you have. They will verify your identity with a few security questions and tell you when ready.

This method works even if you have not set up online access yet or if you have forgotten your password. Customer service lines are open during business hours and often have shorter wait times early in the morning.

What happens if you have both types

Many people have one checking account for daily spending and one or more savings accounts for money they want to keep separate or grow. If you have opened multiple accounts with Chase, each one will be listed separately on your dashboard with its own label. You can name them yourself in the app — for example, "Checking - Bills" or "Savings - Emergency Fund" — to keep track of what each one is for.

Transfers between your own Chase checking and savings accounts are free and usually happen when ready. You can move money back and forth as often as you need without penalty.

Frequently Asked Questions

Can I change a checking account to a savings account or vice versa?

No, you cannot convert one type to the other. If you need a different type of account, you would need to open a new one. However, you can close the account you do not need and keep the one that works better for your situation. Chase can walk you through opening a new account if you need one.

Do I earn interest on a Chase checking account?

Most Chase checking accounts do not earn interest. Some specialty checking products may offer a small interest rate, but the standard Chase checking account earns zero interest. Savings accounts are where Chase pays interest on your balance.

What if I cannot log into my account online?

Call Chase customer service at the number on your debit card or statement. They can confirm your account type over the phone without requiring you to log in. You will need to answer security questions to verify your identity.

Does it matter which type of account I use for direct deposit?

You can set up direct deposit to either a checking or savings account. Most people use checking because they need the money for bills and spending, but some people direct deposit to savings if they are trying to save a portion of their paycheck automatically.

Can I have multiple checking accounts and multiple savings accounts?

Yes. You can open as many accounts as you need. Each one will appear separately on your dashboard with its own label and balance. This can help you organize money for different purposes — one checking for bills, another for emergencies, a savings account for a specific goal.