Chase Adds Ability To Merge Business and Personal Accounts

Up until I had opened a business account from Chase, I was confused why you would have more than one Chase account. Why would you? You can just log in to your account to apply for additional cards. However, Chase required me to open up that business account before I applied for my business card. So now, I’ve got two separate logins, one for my personal card, and one for my business cards. But what if you wanted to merge them? It’s always been a complicated task… until now.

The News

If you have two different accounts, you can actually combine them into one. What you’ll want to do is log into the account that you want to keep and request a secured message. From there, hit:

Secure message -> New Message -> (in a dropdown menu) Link another username to this one

From there, you’ll have to complete the form, and voila! Within a few days, the accounts should be merged.

As a quick note, if you’re trying to merge a business and a personal account, you’ll have to retain the business login. 

Final Thoughts

When it comes to combining accounts, it speaks volumes to convenience. Of course, why would you want to log into two separate accounts, when you can have all of your details in one place. That may be true, but there are a couple of reasons you may want to keep you business account separate. The first is that if you combine these accounts, you’ll lose the ability to get Chase offers for the personal cards. Keeping them separate will ensure you’ll get both.

The other problem I can see arising from this is how it will impact you if you are applying for business cards. Recently, Chase has been getting pretty restrictive when it comes to new small business card applications. Some of their new requirements involve already having a business account, and having a certain amount of money invested with Chase. With these two requirements, how will having the combined account impact that? In theory, the retained account is a business account, but you never know

For those reasons, I would personally advice against combining. However, if you do want to still go ahead and do it, they have made it a whole lot easier to do so.

With this new easier option of combining accounts, do you think you’ll go ahead and combine your accounts? Let us know what you think in the comment section below.

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