You can change your Chase checking account type online, by phone, or in a branch, but the process and what you keep depends on which account you're switching to
Chase lets you convert between most of its checking accounts without closing your current account or opening a new one. The change usually takes effect within one to three business days. You keep your existing account number, routing number, and all your transaction history — direct deposits, automatic payments, and linked services stay in place.
The catch: not all conversions are possible. You cannot downgrade from a premium account (like Chase Premier Plus) to a basic account if you don't meet the minimum balance requirement for the premium account. You also cannot switch to an account type that requires a different product (for example, some checking accounts are bundled with savings accounts). If your current account is linked to a credit line or other Chase product, you may need to handle those separately before switching.
Key Takeaways
- You can switch checking account types through Chase's website, mobile app, by calling 1-800-935-9935, or by visiting a branch in person.
- Your account number and routing number stay the same when you convert, so you do not need to update direct deposits or automatic payments.
- Some conversions are blocked if you do not meet the minimum balance or other requirements for the account you want to switch to.
- The conversion usually takes one to three business days, and you can use your account normally during that time.
How to switch online or through the Chase mobile app
Log into your Chase account on chase.com or open the Chase mobile app. Go to your checking account details — this is usually under "Accounts" or "Account Services." Look for an option labeled "Change Account Type," "Modify Account," or "Account Settings." Click or tap it.
Chase will show you which account types you are may be able to access to switch to. Select the account you want and review the terms, fees, and minimum balance requirements for that account. Confirm the change. Chase will send you a confirmation email with the effective date, usually within one to three business days.
If you do not see a "Change Account Type" option, your account may not be may be able to access for online conversion. This happens most often with older accounts or accounts linked to credit products. In that case, call or visit a branch.
How to switch by phone or in a branch
Call Chase at 1-800-935-9935 and tell the representative you want to change your checking account type. Have your account number ready. The representative will confirm which accounts you are may be able to access for, explain the differences in fees and features, and process the change on the call. You will receive a confirmation number and an email confirmation.
You can also visit any Chase branch in person. Bring your ID and your debit card or account number. A banker can show you the differences between account types, answer questions about fees and minimum balances, and convert your account on the spot. This is the fastest route if you have questions about which account fits your needs.
What happens to your account number and linked services
Your account number and routing number do not change when you convert. This means direct deposits, automatic bill payments, and any other recurring transfers linked to your account will continue without interruption. You do not need to contact your employer, creditors, or any other organization to update your banking information.
If you have a linked savings account, money market account, or credit card, those products stay linked to your new checking account type. If your new account type has different features — for example, a different number of free transfers or ATM access — those changes apply to your linked accounts as well.
Timing and what to expect during the conversion
The conversion usually takes one to three business days. During that time, your account remains fully functional — you can still deposit checks, make transfers, use your debit card, and access online banking. You may see a brief note in your account that says "Account type change pending," but this does not affect your ability to use the account.
Once the conversion is complete, your account statement will reflect the new account type and any new fees or features. If you signed up for a new account type with different benefits — such as higher interest rates on a savings account or waived fees — those benefits take effect on the conversion date.
When you cannot switch account types
Chase will not let you convert if you do not meet the minimum balance requirement for the account you want to switch to. For example, if you want to switch to Chase Premier Plus Checking, which requires a $15,000 minimum balance, and you only have $8,000 in your account, Chase will block the conversion until you deposit more money.
You also cannot switch if your current account is linked to a product that is not available with the new account type. Some premium checking accounts come bundled with specific savings products or credit lines. If you want to switch away from that account type, you may need to close or transfer the linked product first.
If Chase blocks your conversion, the representative or banker will explain why and tell you what you need to do to become may be able to access. In most cases, this means depositing money to meet a minimum balance or closing a linked product.
Frequently Asked Questions
Will my debit card number change when I switch account types?
No. Your debit card remains the same, and you do not need a new one. The card is tied to your account number, which does not change during a conversion.
What if I switch to an account type with higher fees?
The new fee structure takes effect on the conversion date. If your new account has monthly maintenance fees, you will see them on your next statement. Some accounts waive fees if you meet certain requirements, such as maintaining a minimum balance or setting up direct deposit.
Can I switch back to my old account type later?
Yes. You can convert back to your previous account type or switch to any other type you are may be able to access for at any time, using the same methods (online, app, phone, or branch). There is no limit on how many times you can switch.
Do I need to close my old account before switching?
No. Switching account types is a conversion, not a closure. Your account stays open under the same account number with all your history intact. You only close an account if you want to end it completely.
How long does it take to see the new account type on my statements?
Your next statement after the conversion date will show the new account type. If you check your account online or in the app before your next statement, you may see the change reflected immediately or within one business day.