The fastest way to know what you have

Open your Chase mobile app or log into Chase.com. Look at the account name on your account tile or in the account list. Chase labels checking accounts with the word "Checking" and savings accounts with the word "Savings" in the account name itself. If you see "Chase Total Checking" or "Chase Premier Plus Checking," you have a checking account. If you see "Chase Savings" or "Chase High Yield Savings," you have a savings account.

If you cannot access your account online right now, call Chase at the number on the back of your debit or ATM card. A representative can tell you the account type in under a minute. You can also visit a Chase branch in person with your ID and ask a banker to confirm.

Key Takeaways

  • Your account type appears in the account name on the Chase app or website — checking accounts say "Checking" and savings accounts say "Savings."
  • Checking accounts come with a debit card and are meant for frequent deposits and withdrawals; savings accounts typically do not have a debit card and earn interest.
  • You can have both a checking and a savings account at Chase at the same time, and they are separate accounts with separate balances.
  • If you opened your account years ago, the product name may have changed, but the account type itself does not change unless you close it and open a new one.

What the account name tells you

Chase uses consistent naming for its account products. Every checking account product includes the word "Checking" in its official name. Examples include Chase Total Checking, Chase Premier Plus Checking, and Chase find Checking. Every savings account product includes the word "Savings." Examples include Chase Savings, Chase High Yield Savings, and Chase Premier Plus Savings.

When you look at your account in the app or on the website, the name you see is the product name. That name is the clearest signal of what type of account you have. If you are unsure whether a product name is checking or savings, the word "Checking" or "Savings" will be in it.

The difference between checking and savings accounts

A checking account is designed for frequent transactions. It comes with a debit card, check-writing ability, and online bill pay. You can deposit and withdraw money as many times as you want without penalty. Most Chase checking accounts do not earn interest on your balance. The account is meant to be a place where money moves in and out regularly.

A savings account is designed to hold money and earn interest over time. It does not come with a debit card or checks. You can still withdraw money, but some savings products have limits on how many withdrawals you can make per month without a fee (though Chase has removed this limit on most of its savings accounts). The main feature is that your balance earns interest — the rate varies depending on which savings product you have.

How to check your account type on the Chase app

On the Chase mobile app, your accounts appear as tiles on the home screen or in a list view. The account name is displayed directly on the tile or next to the account number. Tap on any account to see more details, including the full product name, account number, and current balance. The product name will contain either "Checking" or "Savings."

If you have multiple accounts, each one will show its type separately. You might have a checking account and a savings account at the same time, and they will appear as two different tiles with two different balances. This is common — many people use a checking account for daily spending and a savings account to set money aside.

How to check your account type on Chase.com

Log into Chase.com and look at the account overview page. Your accounts are listed with their product names and balances. Click on any account to see the full account details, which include the product name, account number, routing number, and other information. The product name will tell you whether it is a checking or savings account.

If you have not logged in recently, you may need to set up online access or reset your password. You can do this from the Chase login page. Once you are logged in, the account type is visible when ready without any additional steps.

What to do if the account name is unclear

Some older Chase accounts may have product names that are less obvious than current products. If you opened your account more than five years ago, the product name might not follow the current naming pattern. In this case, the fastest way to confirm is to call Chase customer service at the number on your debit card or bank statement. They can tell you the account type and the current product name in seconds.

You can also visit a Chase branch with your ID. A banker can look up your account and confirm the type. This is useful if you want to discuss whether your current account is the right fit for how you use it, or if you are thinking about switching to a different product.

Why this matters for how you use your account

Knowing your account type affects what you can do with it. If you have a checking account, you can use the debit card and checks to spend money directly from that account. If you have a savings account, you cannot use a debit card — you would need to transfer money to a checking account first, or withdraw cash at an ATM or branch.

The account type also affects fees and interest. Checking accounts typically do not earn interest but may have monthly maintenance fees (though many Chase checking products waive the fee if you meet certain conditions). Savings accounts earn interest but may have withdrawal limits or other restrictions depending on the product. Understanding which type you have helps you know what to expect.

Frequently Asked Questions

Can I have both a checking and savings account at Chase?

Yes. Many people have both at the same time. They are separate accounts with separate balances and separate account numbers. You can transfer money between them through the Chase app or website, and you can manage them both from the same login.

What if I want to change my checking account to a savings account?

You cannot convert one account type to another. If you want a different product, you would close your current account and open a new one. Chase can walk you through this process at a branch or over the phone. Your old account number will not work after you close it.

Does my debit card tell me what type of account I have?

Not reliably. Only checking accounts come with debit cards, so if you have a debit card, you have a checking account. But if you do not have a debit card, you might have a savings account, or you might have a checking account where you did not order a card. The account name is the clearest way to know.

Where do I find my account type on my bank statement?

Your bank statement shows the account number and balance, but not always the account type clearly. The account name may appear at the top of the statement. If it does not, log into Chase online or call customer service — they can confirm the type faster than reading through the statement.

What if I forgot my Chase login password?

Go to Chase.com and click "Forgot login ID or password?" Follow the prompts to reset it using your email or phone number. You can also call the number on your debit card or bank statement and a representative can help you regain access to your account.