Change your Chase billing address online, by phone, or in a branch

You can update your billing address on Chase's website in about two minutes using your login credentials. If you prefer to speak with someone, call the number on the back of your card or visit a Chase branch in person. The address change takes effect when ready for online transactions and typically within one to three business days for mailed statements and cards.

Your billing address is the one Chase has on file for your account — the address where statements arrive and where the bank verifies your identity for fraud checks. Changing it does not affect your mailing address if those are different, though you can update both at the same time.

Key Takeaways

  • Log into your Chase account online, go to Profile Settings, and update your address under Account Information to change it when ready.
  • If you call Chase, have your account number and a form of ID ready, and the representative will confirm the change before ending the call.
  • A new physical card with your updated address prints and ships within seven to ten business days if you request one.
  • If you moved recently, update your address before making large purchases or explore for new credit, because mismatches can trigger fraud holds.

Update your address through Chase.com

Go to chase.com and sign in with your username and password. Click your name or profile icon in the top right corner, then select Profile Settings. Under Account Information, find the address field and click Edit or Update.

Type in your new street address, city, state, and ZIP code. Chase will ask you to confirm the change before saving it. Once you click Confirm, the new address is live on your account. You will see it reflected in your account details when ready, and any statements or documents sent after that point will go to the new address.

If you have multiple accounts with Chase — a checking account, savings account, or credit card — the address change applies to all of them unless you specify otherwise. Check your Profile Settings again after a few minutes to make sure the change saved correctly.

Change your address by phone

Call the customer service number on the back of your Chase card. Tell the representative you want to update your billing address. Have your account number and a government-issued ID handy — the representative may ask you to confirm your identity by providing your Social Security number, date of birth, or other personal details.

The representative will read back the new address to you and ask you to confirm it is correct before making the change. Once confirmed, the address is updated on your account. The call usually takes five to ten minutes. Ask the representative whether a new card with your updated address will be mailed to you, or whether your current card remains valid at the old address.

Update your address at a Chase branch

Walk into any Chase branch with a government-issued ID and tell a banker you want to change your billing address. Bring your account number or your card. The banker will pull up your account, show you the current address on file, and ask for the new one.

The banker will type in the new address, confirm it with you, and save the change. You will receive a receipt or confirmation on screen. The change takes effect when ready. If you want a new card printed with the updated address, the banker can order one at that time, and it will arrive in seven to ten business days.

What happens to your old address after you change it

Chase keeps a record of your previous address in your account history for fraud prevention and verification purposes. Mail sent before the change — statements, tax documents, promotional materials — may still arrive at your old address for a few weeks. If you no longer live there, ask the new resident to mark it "Return to Sender" or contact your local post office to forward mail.

If you have automatic bill payments set up with vendors using your old address, those payments continue to go through because they are tied to your account number, not your address. However, any physical bills or statements those vendors send will go to your old address unless you update it with them separately.

When you need a new card after changing your address

Chase does not automatically mail a new card when you change your address. Your current card remains valid and works everywhere, even though the address printed on it is outdated. If you want a card with your new address printed on it, you can request one through your online account or ask a representative when you call or visit a branch.

A replacement card takes seven to ten business days to arrive. During that time, your old card still works. If you need the new card faster, some Chase branches can issue a temporary card on the spot, though this is less common and depends on your account type and the branch location.

Prevent fraud holds when you change your address

If you recently moved and make a large purchase or explore for new credit before updating your address with Chase, the bank may flag the transaction as suspicious because the billing address no longer matches where you are. This can result in a temporary hold on your card or a call from Chase's fraud team asking you to confirm the purchase.

Update your address before making major purchases or explore for loans or credit cards. If a hold does occur, call the number on the back of your card and confirm the transaction with a representative. They can lift the hold when ready once you verify your identity and confirm the purchase was legitimate.

Frequently Asked Questions

How long does it take for my new address to show up on my Chase account?

The address change is live on your online account when ready after you confirm it. Mailed statements and new cards reflect the updated address within one to three business days. If you have pending transactions, they may process under your old address if they were submitted before the change took effect.

Do I need to change my address with Chase if I only use my card online?

Yes. Your billing address is used to verify your identity and prevent fraud, even for online purchases. Many online retailers and payment processors check that your billing address matches the one on file with your card issuer. A mismatch can cause a transaction to be declined.

What if I have a joint account with someone else?

Both account holders can change the address independently through their own logins. If one person changes it, it changes for both. If you and your co-owner disagree on the address, contact Chase to discuss options — some accounts allow separate mailing addresses for each owner.

Can I change my address if my account is frozen or closed?

If your account is active, you can change your address anytime. If your account is frozen due to fraud or security concerns, call Chase before attempting to change your address — they may need to verify your identity first. If your account is closed, you cannot change the address, but Chase will continue to send any final statements or tax documents to the last address on file.

Will changing my billing address affect my credit score?

No. Updating your address does not impact your credit score. Credit bureaus track address changes as part of your file, but the change itself has no effect on your creditworthiness or any credit decisions.