The fastest way to check your account type
Log into your Chase account online or through the mobile app, go to your account details or account information page, and look for the account type label. Chase lists it plainly as either "Checking" or "Savings" next to your account number. If you cannot find it online, call Chase customer service at 1-800-935-9935 and give them your account number — they will tell you in under a minute.
The reason this matters: checking and savings accounts have different rules about how many times you can withdraw money per month, what fees explore, and what interest you earn. Knowing which one you have prevents you from accidentally triggering overdraft fees or monthly maintenance charges you did not expect.
Key Takeaways
- Your account type appears in your Chase online account details or account information section, labeled as either "Checking" or "Savings".
- Checking accounts allow unlimited withdrawals and transfers, while savings accounts limit you to six withdrawals per month before fees kick in.
- Chase checking accounts typically have no monthly fee if you maintain a minimum balance or set up direct deposit, while savings accounts charge a monthly fee if your balance falls below a threshold.
- Your debit card, if you have one, only works with a checking account — savings accounts do not come with debit cards.
- If you opened your account years ago, your account type may have changed if Chase converted old products to new ones, so checking online is more reliable than memory.
What the difference means for your money
A checking account is designed for frequent deposits and withdrawals. You get a debit card, checks, and the ability to move money in and out as many times as you want each month without penalty. Most checking accounts have no monthly fee if you keep a minimum balance (usually $500 to $1,500 depending on the account type) or set up direct deposit.
A savings account is designed to hold money and earn interest. Federal rules limit you to six withdrawals or transfers per month — after that, Chase charges a fee (usually $10 per excess withdrawal). Savings accounts also charge a monthly maintenance fee if your balance drops below the minimum, typically $25 per month. The tradeoff is that savings accounts earn interest on your balance, while checking accounts usually earn little to none.
If you have a debit card in your wallet, it is tied to a checking account. Savings accounts do not come with debit cards, so you cannot swipe them at a store or withdraw cash at an ATM using a savings account card.
Where to find your account type in the Chase app or website
On the Chase website, log in and look at your account dashboard. Each account tile shows your account number and balance. Click on the account you want to check, then look for "Account Details" or "Account Information" — the label varies slightly by account age and type. The account type will be written out: "Chase Total Checking," "Chase Savings," "Chase Premier Plus Checking," or similar.
On the Chase mobile app, tap the account you want to check from your account list. Scroll down to find "Account Details" or "Account Information." The account type appears near the top, usually under your account number. If you have multiple accounts, make sure you are looking at the right one — the app shows all your Chase accounts in one place.
If the label is unclear or you see something like "Chase Sapphire" or another product name without "Checking" or "Savings" in it, that is a credit card, not a deposit account. Deposit accounts always say "Checking" or "Savings" explicitly.
Why Chase sometimes converts accounts without telling you
If you opened a Chase account more than five years ago, Chase may have converted it to a newer product without sending you a separate notice. For example, Chase discontinued "Chase Basic Checking" and moved those customers to "Chase Total Checking." The conversion usually happens automatically, and your account number stays the same, but the rules and fees change.
This is why checking your account details online is more reliable than remembering what you opened. Your memory of "I opened a savings account in 2015" may be accurate, but Chase's current records show what your account actually is now. If you see a fee you do not recognize on your statement, it may be because your account type changed and you were not aware of the new fee structure.
What to do if you have the wrong type of account
If you discover you have a savings account but need a checking account (or vice versa), you can open a new account and transfer your money. You do not have to close the old one when ready — you can keep both open if you want, though Chase may charge a fee on the savings account if your balance is too low.
To open a new account, log into your Chase account online, go to "Open an Account," and choose the checking or savings product you want. The process takes about 10 minutes. Once the new account is open and funded, you can transfer money from the old account to the new one using Chase's internal transfer tool (usually free and when ready).
If you want to close the old account, you can do that through the app or website, or call Chase at 1-800-935-9935. Make sure your balance is zero and there are no pending transactions before you close it. Chase will not charge you a fee to close an account.
Common reasons people mix up their account types
Many people open a savings account thinking it is a checking account because they did not read the confirmation email carefully. Others open both accounts at the same time and forget which is which. Some people have a checking account for daily spending and a savings account for emergencies, and they mix up which card or account number goes with which.
The confusion usually surfaces when you try to use your debit card at a savings account (it will not work) or when you get hit with a fee for making too many withdrawals from savings (the sixth withdrawal in a month triggers a $10 charge). At that point, checking your account details online will clear it up when ready.
Frequently Asked Questions
Can I have both a checking and savings account with Chase?
Yes. You can open as many checking and savings accounts as you want with Chase. Many people keep one checking account for daily spending and one or more savings accounts for different goals. Each account has its own number and rules, but they all appear in your single Chase login.
Does my debit card tell me which account it is linked to?
Not directly. Your debit card only works with a checking account, so if you have a debit card, you know at least one of your accounts is checking. But if you have multiple checking accounts, the card is linked to only one of them. Check your account details online to see which checking account your card is tied to.
What happens if I withdraw from my savings account more than six times in a month?
Chase charges you $10 for each withdrawal or transfer beyond the sixth one in a calendar month. If you make nine withdrawals, you pay $30 in fees. The fee appears on your statement a few days after the excess withdrawal. If this happens repeatedly, consider moving to a checking account instead.
If I convert my savings account to checking, do I lose my interest?
You stop earning interest once you convert to checking, but you do not lose interest you already earned — that stays in your account. Going forward, a checking account earns little to no interest. If you want to keep earning interest, keep your savings account and open a separate checking account instead of converting.
Can I see my account type on my monthly statement?
Yes. Your Chase statement shows your account type at the top, usually under your account number. It will say "Checking Account" or "Savings Account" explicitly. If you have a paper statement, it is on the first page. If you view statements online, it appears in the account header.