Bank Account
Name Change
Update your name on checking, savings, and investment accounts. Here’s exactly what to bring and what to expect.
Changing Your Name with Banks and Credit Cards
A bank name change involves updating your name on checking accounts, savings accounts, credit cards, and loans across all your financial institutions. While each bank has its own process, most require proof of your name change and an updated ID. This guide walks you through exactly what you’ll need and how to update your name at major banks without missing any accounts or running into common delays.
| Quick Facts | Details |
|---|---|
| Cost | Free at most banks |
| Processing Time | 1-2 weeks for new cards/checks |
| Method | In-person, phone, or online (varies by bank) |
| Documents Needed | Name change proof + updated photo ID |
| Forms | Each bank provides their own forms |
How to Change Your Name on Bank Accounts: Step-by-Step
Step 1: Gather Your Required Documents
Before contacting any bank, collect your proof of name change and updated photo ID. Most banks require certified copies, not photocopies. If you’re changing your name due to marriage, you’ll need your certified marriage certificate. For divorce, bring your certified divorce decree. Court-ordered name changes require the certified court order.
Step 2: List All Your Financial Accounts
Create a comprehensive list of every account that needs updating: checking accounts, savings accounts, credit cards, mortgages, car loans, investment accounts, and retirement accounts. Don’t forget joint accounts, business accounts, or accounts at smaller banks or credit unions. Many people miss secondary accounts and have to go through the process again later.
Step 3: Start with Your Primary Bank
Contact your main bank first since they likely hold multiple accounts. Most major banks allow you to update all your accounts (checking, savings, credit cards) in one visit or phone call. This saves time compared to updating each account separately.
Step 4: Follow Each Bank’s Process
Some banks require in-person visits, while others accept phone or online requests. Major banks typically need you to mail or fax your documents after the initial call. Smaller banks and credit unions often prefer in-person visits but are usually faster to process changes.
Step 5: Update Automatic Payments and Direct Deposits
Once you receive new cards and checks, update any automatic payments or direct deposits linked to your old accounts. This includes utilities, subscriptions, payroll, Social Security benefits, and tax refunds. Keep your old cards active until you confirm all automatic payments have switched over.
Step 6: Keep Records of All Changes
Document when you contacted each bank, who you spoke with, and when to expect new cards or checks. This helps you follow up if anything gets delayed and proves you notified them if any issues arise with automatic payments during the transition.
Documents You’ll Need for Bank Name Changes
Banks require specific documents to verify your identity and name change. Here’s exactly what you’ll need:
- Proof of name change: Certified marriage certificate, certified divorce decree, or certified court order (photocopies usually aren’t accepted)
- Updated photo ID: Driver’s license or state ID card showing your new name
- Current account information: Account numbers for all accounts you want to update
- Social Security card (optional): Some banks request this, especially for new account openings
- Birth certificate (rare): A few banks require this for additional identity verification
If you don’t have your updated driver’s license yet, some banks will accept your temporary license or receipt along with your certified name change document. Call ahead to confirm what your specific bank accepts.
Major Bank Name Change Processes
Bank of America Name Change
Bank of America requires an in-person visit to any banking center with your certified name change document and updated photo ID. They’ll provide the forms to fill out and issue new cards. If you can’t visit in person, call 1-800-432-1000. Processing takes 7-10 business days for new debit cards and checks.
Chase Bank Name Change
Call Chase customer service at 1-800-432-3117 with your account numbers ready. You’ll need to mail or fax your certified documents within 30 days of the call. Chase can update checking, savings, and credit card accounts simultaneously. New cards arrive in 5-7 business days.
Wells Fargo Name Change
Wells Fargo accepts name changes in person, by phone (1-800-869-3557), or through online banking for some account types. You’ll still need to provide certified documents by mail or fax. They can expedite new cards for a $15 fee if needed urgently.
Capital One Name Change
Call Capital One at 1-800-955-7070 for credit cards or 1-800-289-1992 for banking products. They require you to fax or mail your certified documents. Capital One typically processes name changes within 7-10 business days and will overnight new cards if requested.
Citibank Name Change
Contact Citibank at 1-800-950-5114 for credit cards or visit a branch for banking accounts. They accept mailed documents and can update multiple account types in one request. New cards are issued within 5-7 business days.
Common Bank Name Change Mistakes to Avoid
Forgetting Secondary Accounts
Many people update their main checking account but forget about savings accounts, CDs, or loans at the same bank. Make a complete list of all accounts before starting to avoid multiple trips or calls.
Using Photocopies Instead of Certified Documents
Most banks require certified copies of your name change documents, not regular photocopies. Order extra certified copies when you get your marriage certificate or court order to avoid delays.
Not Updating Beneficiary Information
Your name change should also update beneficiary designations on retirement accounts, life insurance policies, and investment accounts. This often requires separate forms but is crucial for estate planning.
Closing Old Cards Too Quickly
Keep your old cards active until all automatic payments transfer successfully. Closing accounts too early can cause payment failures and potential late fees on bills.
Forgetting Business or Joint Accounts
Business accounts and joint accounts have different requirements. Joint accounts may need both account holders present or additional documentation. Business accounts often require updated business registration documents.
How Bank Name Changes Work for Different Situations
Bank Name Change After Marriage
Marriage-related bank name changes are typically straightforward since banks are familiar with the process. You’ll need your certified marriage certificate and updated ID. Most banks can process these changes over the phone with mailed documents, making it convenient for newlyweds managing multiple name change tasks.
Bank Name Change After Divorce
Divorce name changes require your certified divorce decree. The process is identical to marriage changes, but some banks may ask additional questions about joint accounts. If you’re removing an ex-spouse from accounts or opening new accounts, that’s a separate process from just changing your name.
Court-Ordered Name Changes
Banks accept certified court orders for name changes, whether for personal preference, gender identity, or other reasons. The process is the same as marriage or divorce changes. Some banks may be less familiar with court orders, so be prepared to explain that it’s a legal name change with the same validity as marriage or divorce.
Minor Name Changes
Changing a minor’s name on bank accounts (often savings accounts or college funds) requires the certified court order plus identification showing you’re the parent or legal guardian. Some banks require both parents to be present for joint accounts.
How Long Does a Bank Name Change Take?
Bank name changes typically take 1-2 weeks from start to finish. Here’s the realistic timeline:
- Same day: Account name updated in the bank’s system
- 5-7 business days: New debit cards arrive by mail
- 7-14 business days: New checks arrive (if ordered)
- 1-2 billing cycles: Credit card statements show your new name
You can speed up the process by:
- Having all required documents ready before contacting the bank
- Calling during business hours for faster phone service
- Asking about expedited card delivery (usually $15-25 fee)
- Using online banking to submit requests when available
Remember that updating your Social Security card should be your first priority, as banks and other institutions often require this as proof of your name change.
Can I Change My Name on Bank Accounts Online?
Some banks allow partial name changes online, but most still require you to mail or fax certified documents. Online options are typically limited to:
- Initiating the name change request
- Updating contact information
- Ordering new cards after the name change is approved
Even banks with online options usually require phone verification and mailed documents for security reasons. However, starting the process online can save time when you call customer service.
Do I need to change my name at the bank if I keep my prior name professionally?
Your bank accounts should match your legal name, regardless of what name you use professionally. However, you can often keep business accounts or checks in your professional name if it’s registered as a DBA (doing business as) with your state.
What if my bank doesn’t accept my name change documents?
If a bank rejects your documents, ask specifically what they need and get it in writing. Most issues involve needing certified rather than photocopied documents, or requiring additional ID verification. Escalate to a manager if necessary.
Can I use my old debit card while waiting for the new one?
Yes, your old debit card should continue working until the new one arrives and is activated. However, confirm this with your bank since policies vary. Some banks deactivate old cards immediately upon issuing new ones.
How much does it cost to change your name on bank accounts?
Most banks don’t charge fees for name changes on existing accounts. You may pay for expedited card delivery ($15-25) or new checks ($15-30), but the name change itself is typically free.
What happens to automatic payments during a bank name change?
Automatic payments continue working during the name change process since the account numbers don’t change. However, you should update the name on file with each company to avoid potential issues when they verify account ownership.
Do I need to change my name at credit unions differently than banks?
Credit unions follow similar processes to banks but often require in-person visits. They typically process changes faster than large banks and may have more flexible documentation requirements. Call your credit union to confirm their specific process.
Should I change my name at the bank before or after getting my new driver’s license?
Update your Social Security card first, then your driver’s license, then your bank accounts. This order ensures you have proper documentation at each step. However, some banks will accept a temporary license with your name change certificate if needed.
Changing your name with banks and credit cards is typically straightforward once you have the right documents. The key is being thorough—create a complete list of all your financial accounts and work through them systematically. Most banks are experienced with name changes and will walk you through their specific process when you call.
If you’re also updating other federal documents, consider tackling your passport name change and IRS name change around the same time to streamline the overall process.
Ready to Get Started?
NewLastName walks you through every form you need — for free. Answer a few questions, and we’ll fill out your Social Security, passport, DMV, and IRS forms automatically.
No account required. Your sensitive information stays on your device.
Last verified: 2026-03-28
Other Agency Guides
Save This for Later
Pin this to your Pinterest board so you have it when you need it.
Ready to Get Your Name Changed?
Pick your situation and we’ll have your forms ready in minutes. No account required.
Last verified: 2026-03-29