You want to know the moment a charge hits one of your Chase accounts, especially the ones you did not make. Account alerts are how you get there. They put a text, email, or push notification in front of you when money moves, so a fraudulent charge surfaces in seconds instead of weeks.
Chase runs its own 24/7 fraud monitoring automatically, with no setup required. But the alerts you control yourself are separate and opt-in, and they are the ones that let you watch individual transactions as they happen. This guide walks through every place you can turn them on, quickest path first, plus a major 2026 change you need to plan around.
Before you start, two things to know. You need a chase.com online login or the Chase Mobile app, since alerts are configured only after you sign in. And alerts are set per account, so you repeat the setup for each card, checking account, savings account, or auto loan you want covered.
Set the Transaction Alert With a Low Dollar Threshold First
This is the single most important alert for catching fraud early, so set it before anything else. The Transactions (purchase) alert can notify you every time the card is used, and you can attach a dollar threshold so you are notified when a charge is higher than the limit you set.
Set the threshold low to be alerted on essentially every charge. That turns each transaction into a notification you can immediately recognize or flag.
- 1.Sign in and open the alerts area (see the web and app paths below).
- 2.Select the Transactions or purchase alert.
- 3.Set the dollar threshold, for example a low value to catch nearly everything, or a higher value before travel.
- 4.Pick your delivery method and save.
One caveat: it is not confirmed that a low threshold alert covers online, phone, mail-order, or international (card-not-present) charges, which are the categories affected by the 2026 change below. Chase only states the alert fires for transactions higher than the limit you set. Treat broader coverage as unconfirmed.
Turn On Alerts From the Chase Mobile App
The app is the fastest surface if you already have it installed, and push notifications arrive without waiting on text or email delivery.
- 1.Sign in to the Chase Mobile app.
- 2.Tap the person icon (profile icon).
- 3.Tap Alerts & messages.
- 4.Tap Manage alerts.
- 5.Select the alerts you want and how you want to receive them (text message, email, or push notification).
- 6.Save your selections, then repeat for each account.
Some Chase help pages describe the in-app route as Profile & settings > Alerts > Choose alerts (or Manage alerts) instead. The exact label can differ by account type and app version, so look for an Alerts area under the profile icon either way.
For push notifications to work, make sure the Chase Mobile app is installed and notifications are enabled for it on your phone.
Turn On Alerts From chase.com on Desktop
If you prefer a full screen, the website exposes the same controls and is handy for setting up several accounts in one sitting.
- 1.Sign in to your Chase account at chase.com.
- 2.Choose the Profile icon (person icon) in the top right.
- 3.Choose Profile & settings, then choose Alerts.
- 4.Choose Manage alerts and select the account(s) you want alerts for. (One Chase page labels this Choose alerts in the left-hand menu; you may see either wording.)
- 5.Select your alerts and notification preferences, then choose Save.
- 6.Add or edit a delivery method (text, email, push) under Delivery preferences. (Some pages call this Alerts delivery or Delivery methods.)
- 7.Repeat for each account, since alerts are set per account.
For text alerts, you need a mobile number on file, and message and data rates may apply from your service provider.
Add the Other Fraud-Relevant Alerts on Credit Cards
Beyond the Transactions alert, your credit card and business credit card offer several notifications worth enabling for early fraud detection.
- Transactions / purchase alerts, which can notify you every time the card is used.
- Balance alerts, including a threshold and a low-balance trigger.
- Payment due alerts, covering due-date and minimum-payment reminders.
- Spending-limit alerts, which notify you as you approach or reach a self-imposed spending limit or your credit limit.
To set these, sign in and tap your profile icon, then under Alerts & messages tap Manage alerts. Business credit card help also references an Account Management tab, then Profile & settings > Alerts > Choose alerts. Select your alerts, then choose your delivery methods under Delivery methods and choose Save. Where offered, also enable any available alerts for unusual online activity and unusually high transactions.
Know the February 2026 Change That Removed Two Automatic Alerts
This is the most important thing to plan around in 2026. Effective February 17, 2026, Chase discontinued two automatic alerts for all credit card accounts. In Chase's words, "You'll no longer receive either of these alerts for any of your credit card accounts starting February 17, 2026: International charge posted; Online, phone or mail charge authorized."
In practice, online, phone, mail-order, recurring, and international (card-not-present) charges no longer auto-trigger a purchase alert. Chase presents this as a change to which alerts are sent rather than a reduction in protection, and says it continues to monitor for fraud 24/7 and will text, email, or call you if it detects unusual purchases.
To keep visibility on those charge types, go to chase.com/alerts (or Profile & settings > Alerts), choose Get started or Manage alerts to view what is available for your specific card, and set a Transactions amount-threshold alert. Enable any available unusual-activity and high-transaction alerts as well, then pick delivery by email, text, and/or push and save. Note this change is quoted for credit card accounts only; whether debit-card or deposit-account purchase alerts were affected was not confirmed.
Understand Why Alerts Are Not Always Instant
Alerts supplement your own checking; they do not replace it. Generally, account alerts are processed at the end of each business day (Monday through Friday), and delivery varies by alert type, though some alerts are sent immediately following a transaction. Chase also states that "Delivery of alerts may be delayed for various reasons." So keep logging in to review activity rather than relying on alerts alone.
Verify Any Alert Before You Act on It
Scammers exploit alerts. Chase warns that "Scammers can make caller ID, emails and texts display as messages from your bank," which means a real-looking Chase fraud text could be spoofed. Do not act on links inside a suspect alert.
Chase's verification guidance is to "hang up and call the number on the back of your Chase card or your account statement." If you confirm fraud, report it to Chase using the line for your product:
- Personal checking/savings: 1-800-935-9935, option 8.
- Debit card: 1-800-978-8664, option 1.
- Personal credit card: 1-800-955-9060, option 8.
- Business credit card (Sapphire): 1-888-262-4273, option 8.
After reporting to Chase, Chase also directs you to report to the FTC at identitytheft.gov and the Internet Crime Complaint Center at ic3.gov.
Frequently Asked Questions
Do I need to enroll to get Chase's fraud alerts?
Chase's automatic 24/7 fraud monitoring requires no enrollment and sends alerts whenever it detects unusual activity. The customer-configured alerts in this guide are separate and opt-in, and they are what let you watch individual charges as they post.
Which single alert is best for catching fraud early?
The Transactions (purchase) alert with a low dollar threshold. It surfaces individual charges as they post or are authorized, so an unfamiliar transaction reaches you fast.
Why did I stop getting alerts for online and international charges?
As of February 17, 2026, Chase discontinued the "International charge posted" and "Online, phone or mail charge authorized" alerts for all credit card accounts. Online, phone, mail-order, recurring, and international charges no longer auto-trigger a purchase alert, though Chase says fraud monitoring continues.
Will a low transaction alert restore those discontinued alerts?
That is unconfirmed. Chase only states the alert fires for transactions higher than the limit you set, and it has not confirmed the threshold alert covers card-not-present categories like online, phone, mail, and international charges. Set it anyway for general coverage, but do not assume it fully replaces the removed alerts.
How do I tell a real Chase alert from a phishing message?
Assume any text, email, or call could be spoofed, since Chase warns scammers can fake caller ID, emails, and texts. Do not click links. Hang up and call the number on the back of your card or your statement to verify.
Are alerts instant, and can I rely on them alone?
No. Account alerts are generally processed at the end of each business day, though some are sent immediately, and delivery can be delayed. Use them to supplement regular account reviews, not to replace them.
