Chase checking accounts
Chase Bank offers a comprehensive slate of products, including checking and savings, investment accounts and credit cards. While Chase isn’t known for free checking options, almost anyone can find a Chase checking account type that works for them. Because Chase is a physical bank, it can be a good option for individuals and businesses that want a checking account they can use across the country with some assurances of being near a local branch.
We’ve summarized some Chase checking account options below. Fees, bonus offers and other terms reflect information published by Chase Bank as of March 2024.
Chase Bank checking account benefits
As a well-established national bank, any Chase checking account you choose is likely to provide benefits such as:
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No minimum deposit.?Chase checking accounts don’t tend to have minimum opening deposit requirements.
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Complimentary debit card.?You get a complimentary debit card for each account holder when you open Chase checking accounts. Depending on your account, you may pay a small fee if you need to replace a card.
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Accessibility.?There are more than 16,000 ATMs in the Chase network and 4,700 local branches, providing plenty of in-person accessibility to your funds.
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Cardless ATM access.?Chase Cardless ATMs let you withdraw money using your digital wallet.
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Chase debit card with chip technology.?Chip technology helps you protect your account when paying with your debit card. If you report fraudulent charges right away, Chase will reimburse you for them.
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Chase online and mobile banking. Chase offers robust digital tools for online checking account management, and you can make deposits and transfers via the mobile app.
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Zelle.?You can enable Zelle on Chase checking accounts to easily transfer money to external accounts.
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Access to Chase First Banking.?Parents with Chase accounts can open a Chase First Banking account for children to help them learn to manage spending and saving.
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Chase Disney debit card.?You can get a Chase Disney debit card for your account and use it to access discounts and other opportunities at Disney Theme Parks.
Chase checking account fees
Chase doesn’t offer any free accounts, but you can waive Chase Bank monthly service fees on all accounts other than the Secure Checking account. Other fees do apply, but they vary for each account.
Fee Type |
Chase Total Checking?
|
Chase Secure Checking? |
Chase Premier Plus Checking? |
Chase Sapphire? Checking |
Chase Private Client Checking? |
Monthly service fee |
$12 if you don’t meet electronic or balance minimum requirements |
$4.95 |
$25, unless you meet balance requirements, have a linked Chase mortgage account or are a service member or veteran of the armed forces |
$25 for balances under $75,000 |
$35 for balances under $150,000, unless you have a linked Chase Platinum Business Checking? account |
Non-Chase ATM fee |
$3 to $5 |
$3 to $5 |
None for the first 4 each statement period and $3 to $5 after that |
None |
None |
Non-ATM cash fee |
$5 or 3% of the transaction, whichever is greater |
$5 or 3% of the transaction, whichever is greater |
$5 or 3% of the transaction, whichever is greater |
None |
None |
Overdraft fee |
$34 |
None |
$34 |
None for 4 days each year; $34 per overdraft after that |
None for 4 days each year; $34 per overdraft after that |
Card replacement rush fee |
$5 |
$5 |
$5 |
None |
None |
Counter check fee |
$3 per page of checks |
$3 per page of checks |
None |
None |
None |
Money order fee |
$5 each |
None |
None |
None |
None |
Cashier’s check fees |
$10 |
None |
None |
None |
None |
Legal processing fees |
Up to $100 |
Up to $100 |
Up to $100 |
None |
None |
Consumer online USD international wire fee |
$0 to $50 |
$0 to $50 |
$0 to $50 |
None |
None |
Consumer online FX international wire fee |
$0 to $50 |
$0 to $50 |
$0 to $50 |
None |
None |
Stop payment fee |
$30 |
$30 |
$30 |
None |
None |
Online or automated phone stop payment fee |
$25 |
$25 |
$25 |
None |
None |
Order for checks or supplies fee |
Varies depending on the order |
Varies depending on the order |
None on Chase design checks when ordered through Chase |
None on Chase design checks when ordered through Chase |
None on personal style checks when ordered through Chase |
How to choose which Chase checking account is right for you
The best checking account depends on which one meets your financial preferences and needs. First,?is Chase Bank a good bank for you? If the reason you’re considering Chase is access to a local branch, for instance, make sure that there are branches in your town.
While there’s no minimum balance for opening a Chase checking account, how much you keep in your account can make a difference in monthly costs. If you keep a high balance in your checking regularly, you might choose a Sapphire or Premier Plus account, as you can avoid other types of fees with those.
If you don’t keep a high average checking balance, you can still drop the monthly fee with a Chase Total Checking account as long as you have more than $500 in direct deposits. Full-time employees will likely find this easy to accomplish.
How to open a Chase checking account
You can open a Chase checking account at a local branch or online. To open an individual or joint checking account, each potential account holder will need a government-issued photo ID. The checking account application requires your full name, a Social Security or tax ID number, residential address and contact information. Generally, you’ll need to be 18 to open your own checking account. However, many banks, including Chase, offer teen checking accounts to give teenagers experience in managing their own money, with the help of a parent or guardian.
You will also need a way to fund your new account. You can do that with cash or a check if you are setting up the account in person. If you’re setting up an account online, you can fund it with a debit or credit card from another account or an ACH transfer.
Other checking account options at Chase Bank
Chase offers checking accounts other than the ones listed in this guide. Other options include checking accounts for students and kids, as well as business checking accounts.
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