You can convert a Chase College Checking account to a regular Chase checking account online, by phone, or in a branch
Chase College Checking is designed for students and has features like waived monthly fees while you're in school. Once you graduate, leave school, or simply want a different account structure, you can switch to a standard checking account without closing your existing account or moving your money elsewhere. The conversion itself takes minutes, though the exact steps depend on whether you do it yourself online or ask Chase to handle it.
The key difference: a regular Chase checking account may have a monthly maintenance fee (currently $12 at most Chase branches, though this varies) unless you meet a minimum balance or set up direct deposit. Your College Checking account will no longer exist after conversion, but your account number, routing number, and existing debit card remain active during the switch. Any scheduled payments, automatic transfers, or direct deposits continue without interruption.
Key Takeaways
- You can convert online through Chase's website or mobile app, by calling 1-800-935-9935, or by visiting a Chase branch in person.
- Your account number and routing number stay the same, so you do not need to update direct deposit or automatic bill payments.
- A regular Chase checking account may charge a monthly fee unless you maintain a minimum balance or receive direct deposit, so confirm the fee structure before converting.
- The conversion is immediate if you do it online or by phone, and your debit card remains valid throughout the process.
Converting online through the Chase mobile app or website
Log into your Chase account on chase.com or open the Chase mobile app. Navigate to your account settings or account details section—this is usually labeled "Account Services" or "Manage Account." Look for an option to change your account type or upgrade your account. Select the regular checking account option that matches your needs (Chase offers several: Chase Total Checking, Chase Sapphire Checking, or Chase Premier Plus Checking, depending on your branch and region).
Review the terms, fees, and features of the new account type before confirming. Once you confirm, the conversion happens immediately. Your debit card remains active, and you can use it right away. If you do not see the conversion option in your app or online portal, it may mean your account requires a phone call or branch visit to complete the switch—some College Checking accounts have restrictions that prevent online conversion.
Converting by phone with a Chase representative
Call Chase customer service at 1-800-935-9935. Have your account number and Social Security number ready. Tell the representative you want to convert your College Checking account to a regular checking account. They will confirm your identity, explain the fees and features of available account types, and ask which one you prefer.
The representative will process the conversion on the call. You will receive confirmation of the new account type, the effective date (usually immediate), and any changes to your monthly fees or minimum balance requirements. Ask the representative to confirm that your account number, routing number, and debit card remain unchanged. If you have questions about direct deposit or automatic payments, ask them to verify those will continue without interruption.
Converting in person at a Chase branch
Visit any Chase branch with your ID and debit card. Tell a banker you want to convert your College Checking account to a regular checking account. They will show you the available account types, explain the differences in fees and features, and help you choose the right one for your situation.
The banker will complete the conversion on the spot. You will receive a receipt showing your new account type, and your debit card will remain active. If you need a new debit card for any reason, the banker can order one, though your existing card will continue to work. This method is useful if you have questions about features or want to discuss which account type fits your spending habits.
What happens to your account number and debit card
Your account number and routing number do not change when you convert from College Checking to a regular account. This means any direct deposits, automatic bill payments, or transfers you have set up will continue working without any action on your part. You do not need to contact your employer, your bank, or any service you pay automatically.
Your existing debit card remains valid and active. You can use it immediately after conversion. Chase will not send you a new card unless you request one or your card is expiring soon. If you have multiple cards linked to your account (a backup card, for example), those remain active as well.
Understanding the fees and requirements of regular checking accounts
Chase regular checking accounts typically charge a monthly maintenance fee, though the amount and waiver conditions vary by account type and region. Chase Total Checking, the most common option, currently charges $12 per month but waives the fee if you maintain a minimum balance (usually $500 to $1,500, depending on your branch) or receive at least one direct deposit per month of any amount.
Before you convert, ask Chase which account type is available in your region and what the exact fee structure is. Some branches offer different account types with different fee structures. If you do not want to pay a monthly fee, confirm that you can meet the waiver requirement—either through direct deposit from your employer or by keeping the minimum balance. If neither is realistic for you, ask about other Chase account options or consider whether staying with College Checking (if you still meet the age or enrollment requirements) makes sense.
What to do if your College Checking account is no longer may be able to access
Chase College Checking requires you to be a full-time student or under age 25 (requirements vary slightly by region). Once you no longer meet these requirements, Chase may automatically convert your account or send you a notice that your account will convert. If you receive a notice, you can convert proactively on your own timeline rather than waiting for Chase to do it.
If Chase has already converted your account without your request, call 1-800-935-9935 to confirm what account type you now have and what fees apply. If you were converted to an account with a monthly fee you do not want to pay, you can request a different account type or discuss options with a representative.
Frequently Asked Questions
Will my direct deposit or automatic payments stop when I convert?
No. Your account number and routing number remain the same, so all direct deposits and automatic payments continue without interruption. You do not need to notify your employer, your bank, or any service you pay automatically.
Can I convert back to College Checking if I change my mind?
Only if you still meet Chase's may be able to access requirements (full-time student or under age 25, depending on your region). If you no longer meet those requirements, you cannot switch back. If you do still meet them, call 1-800-935-9935 or visit a branch to request the conversion back.
Do I need to close my College Checking account before converting?
No. Conversion changes your account type without closing it. Your account stays open and active throughout the process. You do not need to transfer money or open a new account.
What if I do not want to pay a monthly fee?
Ask Chase which account types are available in your region and what the fee waivers are. Most regular checking accounts waive the monthly fee if you maintain a minimum balance or receive direct deposit. If you cannot meet either requirement, ask whether Chase offers a no-fee checking option or whether you should stay with College Checking if you still meet the requirements.
How long does the conversion take?
Conversion is immediate if you do it online, by phone, or in a branch. Your new account type takes effect right away, and your debit card remains active. You will see the new account type reflected in your online banking and mobile app within minutes.