The fastest way to check your account type
Open the Chase mobile app or log into Chase.com, go to your account details, and look for the account type label — it will say "Checking" or "Savings" next to your account number. If you have multiple accounts, each one shows its type separately. You can also call Chase customer service at the number on the back of your debit card, and they will tell you in under a minute.
If you have a paper statement, the account type appears near the top, usually under your account number or in the account summary section. Older statements may label it differently — "Demand Deposit Account" for checking or "Savings Account" for savings — but the meaning is the same.
Key Takeaways
- Your Chase account type shows in the app under account details, on your statement, or by calling customer service.
- Checking accounts come with a debit card and are meant for frequent transactions; savings accounts typically do not have a debit card and earn interest.
- The account type matters because it affects fees, withdrawal limits, and whether the account earns interest.
- If you opened multiple accounts years ago, you may have forgotten which is which — the app shows all of them with their types labeled.
Why the difference matters for fees and features
Chase checking accounts are built for everyday spending: they come with a debit card, online bill pay, and unlimited transactions. Most Chase checking accounts have a monthly maintenance fee, though Chase waives it if you meet conditions like keeping a minimum balance or setting up direct deposit.
Chase savings accounts earn interest on your balance and are meant to hold money you are not spending regularly. They have limits on how many times per month you can withdraw or transfer money out — typically six times, though Chase may adjust this. Savings accounts also have a monthly maintenance fee, usually waived if you maintain a minimum balance (often $300 to $500, depending on the account type).
The account type also determines what happens if you overdraw. A checking account can go negative if you spend more than you have, and Chase will charge an overdraft fee. A savings account cannot overdraw — if you try to withdraw more than your balance, the transaction simply declines.
What to look for in the Chase app
In the Chase mobile app, tap the account you want to check. At the top of the screen, you will see your account name (for example, "Chase Total Checking" or "Chase Savings"), your account number, and your current balance. The account name itself tells you the type — if it says "Checking" or "Savings" in the name, that is your answer.
If the name is less obvious — for example, "Chase Premier Plus Checking" or "Chase Freedom Unlimited" — look for a label that explicitly says "Account Type: Checking" or "Account Type: Savings" in the account details section. Scroll down if you do not see it immediately. You can also tap the three dots or settings icon next to the account name to open more details.
Reading your Chase statement for account type
Pull up any recent Chase statement, either in the app or by mail. Near the top, usually in the first section after your name and address, you will see a line that reads something like "Account Type: Checking" or "Account Type: Savings." Some older statements say "Demand Deposit Account (DDA)" for checking or "Savings Deposit Account (SDA)" for savings.
The statement also shows which features apply to your account. A checking account statement will list debit card transactions, checks written, and bill payments. A savings account statement will show deposits, interest earned, and withdrawal or transfer activity. If you see interest posted to your account, it is a savings account — checking accounts do not earn interest.
Calling Chase to confirm your account type
If you cannot access the app or online banking, call the number on the back of your Chase debit card or the number listed on your statement. Have your account number ready. Tell the representative you want to know whether your account is checking or savings, and they will confirm it immediately.
This is also the right call if you have multiple accounts and are confused about which is which. The representative can list all your accounts by type in one call. If you have forgotten your login information or cannot access your accounts online, a phone call is often faster than resetting your password.
Common account names and what they mean
Chase uses specific names for different account types, and the name usually makes the type clear. "Chase Total Checking," "Chase Premier Plus Checking," and "Chase Sapphire Checking" are all checking accounts. "Chase Savings," "Chase High Yield Savings," and "Chase Premier Savings" are all savings accounts.
Some Chase accounts blur the line slightly. For example, "Chase Money Market Account" is technically a savings account — it earns interest and has withdrawal limits — even though the name does not say "Savings." If you are unsure whether a specific product is checking or savings, the account name on your statement or in the app will clarify it, or you can ask Chase directly.
What happens if you still cannot find the answer
If you have looked in the app, checked your statement, and still cannot find the account type, contact Chase through the app's messaging feature, by phone, or by visiting a branch in person. Bring your account number or debit card. A Chase representative can tell you in seconds, and they can also explain what features come with your specific account and what fees apply.
If you opened the account many years ago and the name has changed or you do not remember the details, Chase can still pull up your account history and tell you exactly what type it is. This is especially useful if you are trying to decide whether to keep the account or switch to a different Chase product.
Frequently Asked Questions
Can I change my checking account to a savings account or vice versa?
No, you cannot convert one account type to another. If you want a savings account instead of checking, you will need to open a new savings account. You can then transfer your balance from the old account to the new one and close the old account if you want. Chase can walk you through this process in a branch or over the phone.
Do I need a debit card to have a checking account?
Most Chase checking accounts come with a debit card, but you do not have to use it. You can pay bills online, set up automatic transfers, and use mobile pay instead. A savings account typically does not come with a debit card, though some Chase savings products offer limited card access.
Why does my savings account have a withdrawal limit?
Federal banking rules historically limited savings account withdrawals to six per month to distinguish them from checking accounts. Chase enforces this limit, though the rule has loosened in recent years. Checking accounts have no withdrawal limit because they are designed for frequent transactions.
If I have both checking and savings, how do I know which account number is which?
Each account has its own number, and the Chase app shows both with their types labeled. Your debit card is linked to your checking account, so the account number on your card is your checking account number. Your savings account number will be different and appears in the app or on your statement.
What if I opened a Chase account online and never got a statement?
Log into Chase.com and look at your account details — the type will be listed there. You can also set up paperless statements in your account settings, which will show the account type at the top. If you still cannot find it, call Chase or use the in-app messaging feature.