How can I change my Apple ID on a 5s?
Your old Apple ID has presumably been disabled from purchasing apps since you initiated chargebacks with your bank for purchases. This in turn disables receiving updates as well.

You will need to create a new Apple ID. Then sign into the App Store on your device by tapping on App Store > Featured tab (if not already selected) > scroll to bottom > tap on Apple ID: your-old-id@email.com and select Sign Out. Go back to the same place to sign in with your new account. The first time you login you will need to add a payment method, even if you will only be getting free apps. I'd suggest not trying to add the payment method from the bank where you initiated the chargebacks, as that will probably simply serve to get the new account banned too.

The apps purchased with your old ID cannot be updated by your new ID, so you will need to delete them from your device, then re-purchase them (or in the case of free apps) re-download them. Either way, the app copies on your device right now will never be able to be updated, because they are permanently associated with your old ID.

Note that by deleting the existing copies of the apps, you will probably lose app data. However, if you delete one and immediately re-purchase/re-download the same app with your new ID, the data may carry over - no promises, but I've seen it work before. Do not restart your device between deleting and re-downloading, as doing so will definitely cause the data to be lost. If this works for you, remove and re-download one app at a time so there are no problems with iOS removing the data before the app can be re-installed.