Chase Adds the Ability to Easily Combine Two Account Logins

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Chase offers one of the most comprehensive credit card portfolios out there, with many of its cards ranking among the best cards for each spending category. But with so many lucrative products on offer, Chase customers regularly run into the issue of having to juggle multiple account logins—particularly when holding both business and consumer cards.

In order to simplify things, Chase has recently added a new feature to its online account center. Customers can now easily combine multiple logins into one—including personal and business accounts. Now you only need to remember one password!

Combining Two Accounts

Before this new feature, combining online account logins was possible, but it always required a phone call. But now you can do this new method online in a matter of minutes.

To combine two Chase logins, start by logging into the account you want to keep—preferably on a desktop. Note that if you're joining a business login and a personal login, you'll have to keep the business login and add the personal account. You can't add a business login to a personal login. Whether you're logged into your personal or business account when submitting the request, you'll get the same options:

Select the menu icon in the upper left corner.

Then select the ‘Secure Messages' option.

Once you're in your account's Secure Message Center, select ‘New Message'.

In the ‘What is this about?' dropdown menu, you'll find the option ‘link another username to this one'.

At this point, a form will appear for you to complete with the login credentials for the second account. Once this is submitted, your two accounts should be fully combined within a few business days.

As part of the process, Chase asks you to confirm “I'm the owner of both of these accounts and that they're registered under my Social Security or tax ID number.” That means you can't combine the individual accounts of a married couple into one login.

Final Thoughts

This is a welcome change for Chase customers. The previous method of combining logins could be confusing and convoluted, which meant that a lot of people didn't bother going through the trouble. This new method makes it much easier, which hopefully translates into a more streamlined banking experience.

H/T: Doctor Of Credit

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  • I just tried this and stopped when I saw the 2 options. Neither lets you eliminate one username entirely. So you still end up with 2 usernames but are able to see the personal one in the business or vice versa. I was hoping to get rid of one username entirely.

  • This is interesting. I haven’t had the need to do this. I can see the business and personal but I don’t see how someone would have multi personal accounts with different sign ins? Oh well. Anyway at least they are trying to make things a little easier.

  • Good thing that they now make it easier to do all things online. This helps both side as it lowers cost and the human factor.

  • Gary J Rodgers says:

    Can you get Chase Ultimate rewards with a business account?

  • So if I combine my husband’s account with mine is it going to change anything as far as the ability to to get separate cards in the future? Say we both want to get the same United card will having a combined account make it so only one of us gets it?

    • JT Genter says:

      Unfortunately for those in “2-player mode”, Chase won’t let us combine accounts with different people – even our spouse. So, we will still need to have at least two logins.

  • Not really sure about this. I thought multiple chase card accounts shared the same login anyway? – Why the need to combine anything ?

    • JT Genter says:

      Personal cards can be combined into one login, but business cards have needed to have their own login. If you only have personal or business cards, there should be no need to combine.

  • Maryjane says:

    This is good to know, but I think I am going to leave my two accounts separate for now. I find that the login on the app is pretty easy. I have it set up so when I want to log into the personal account I use my fingerprint. If I want the business account, I use the username and password..

    • Yes for me as well (except Face ID). The offers are always different for business & personal accts & don’t want to possibly rid myself of some no-hassle options down the road.

    • Sometimes, there are grounds for separate log in credentials, such as your case.

  • Good move from chase to improve customer experience.

  • Steven William Van Meter says:

    Combining two accounts is a huge advantage. I like that aspect of this deal. Hopefully we can get out from under the oppressive leftist restrictions and travel more soon!

  • The cards are automatically added to the same login by default. How is this even possible?

  • Convenient. Surprised it took this long to implement.

  • Chase leads the way. Again.

  • Am I missing something? All of my chase card accounts have been sharing the same login for years, literally from the very beginning.

  • Before you’d have to go thru & redo all your settings when combining. Is this no longer the case? Thanks

  • Florencia says:

    Anything that improves the user experience when handling cards is welcome.

  • DOes this lose the benefits of the personal profile deals and add ons?

    • Hey Tim, can you be more specific? I have had a combined login with the business version for a long time, so I might be able to tell you if something specific is missing from the business interface.

      • There are certain features on the personal platform not on the biz, like the ability to nickname accts. I’m guessing since moving to biz those are the features you are left with & they are not as good. Before if rep did for you, you would lose all of your online transaction details from your personal accts. Wondering if that has changed?

  • Anything that simplifies life is good with me, even if it’s not a big deal in the grand scheme of things.

  • Good change, hope it is followed by others

  • Always nice to eliminate a login and see everything in one place. Glad to see Chase has finally made this happen.

  • Awesome! Can you explain the two options? For example, will the second option allow me to pay my personal card balance when logged in to my biz profile? What should I consider in deciding between the two?

    • JT Genter says:

      KC: The second option notes that “All payment and transfer info (account transfers, Bill pay and Chase QuickPay) will remain separate.” So, I’m assuming that you won’t be able to make payments in your biz profile after linking accounts. I just linked my accounts using the second option, but it seems it will take 24 hours to complete.

  • It should be noted that this function only allows combining into the business account profile, not the personal.

    • JT Genter says:

      That’s in the post 🙂
      “Note that if you’re joining a business login and a personal login, you’ll have to keep the business login and add the personal account. You can’t add a business login to a personal login.”