I have personal checking and Credit card—both personal and business—and I’ve heard you can combine them under one login.
For those of you who’ve done this with Chase, did it work out well for you? Are you glad you combined them, or do you think it’s better to keep separate logins for personal and business cards?
I’d love to hear your experiences.
I did it and it’s nice to not have to log out and in when switching between personal/business accounts.
No wires crossed, if that’s what you’re worried about.
Only reason not to do it, as far as I can tell, is if you like the separation between your personal and business life for your own organizational purposes.
I have them combined under one login, and I don’t really see a reason to keep them separate. It seems more of an obvious separation on the app, where it shows business and personal accounts on different pages, vs the same page on the website, but once you are in a particular account, it doesn’t matter. I also have personal and business checking, in addition to a personal savings, and business and personal credit cards.
Now, if you have employees, or a partner that you want to hide your personal card spending from … that might be a good case to keep them separate. I still have the personal accounts in a separate login, but hardly use that.
How do you combine them? My Chase personal and business are separate right now. Thanks.
Casey said:
How do you combine them? My Chase personal and business are separate right now. Thanks.
You call Chase and they will add your personal account onto your business account. You then log in from your business account to see both accounts. On the app, they are separated by a tab button.
Casey said:
How do you combine them? My Chase personal and business are separate right now. Thanks.
Log in to your business account, tap on the top right person in the circle, settings, account settings, manage linked accounts, follow steps from there. Call the 800 number if you have any issues.
When you combine the 2 Chase profiles, the business profile will become the main profile, as in all your Chase credit cards will appear under the business profile. The main benefit is seeing all Chase accounts under one login. The second benefit is you can easily transfer Chase UR Points between your Chase Freedom cards, and Chase Sapphire cards, and Chase Ink cards.
Perfect.
With Amex, they combined my personal with my LLC. With Citi, I had to make a new login. I do kinda appreciate it that way.
I like it all in one place. The business login means you need to do a bit more digging for personal stuff like shop through Chase but not a big deal once you kinda know where things are.
Your logins are still separate. So if you wish, you can still see your personal cards and checking on its own.
So nice to just have one login for both personal and business. I’d much rather have them in the same place.
I have a couple of Chase business credit cards. I don’t really use them though. I have a ‘personal’ login and then a ‘business’ login where I linked all my personal stuff.
I mainly use the personal login because the bill pay setup and what not under the business login looks different than the personal login.
One thing I don’t like is that if I add a payee for bill pay under either login, it doesn’t show up automatically under the other even though it’s tied to my personal checking account as a payee. So, you have to add it manually at both places.
All that said, if I used the business cards frequently along with my checking and personal Chase cards, I’d just link everything together and use that login to simplify. For my situation, using the ‘personal’ site/login keeps it simple since I rarely use the business credit cards.
I have several different businesses and personal all tied under the same account. It’s totally worth it, not sure there is any downside at all. It still keeps your personal and business cards in separate tabs.
In fact, you still actually keep your personal Chase account too. You set up an additional business account and they tie your personal account to it. You literally can log into either account with a separate username and password, but the business one can see your business cards and personal, while personal account doesn’t see business cards. At least that’s how it was set up for me about 5 years ago.
I did it and it’s super convenient.
Yes, makes it a whole lot easier to transfer points between cards, and generally manage them (e.g. if you use a budgeting app, you can use the combined login to pull all your accounts).
You will have a second login for the combined one.
Yes — combined is the way to go. My wife and I also have separate personal-only logins and those work as well.
I have mine combined, I don’t see a reason to not make it more convenient for yourself.
Not only was it the right decision because I have 2 personal cards, CSR and Ritz Carlton, which I use exclusively for business, but also because it showed me how aggravating it is that Citi could not offer the same option.
Works fine. Do it.