Personal Finance Banking Checking Account
Written by Sophia Acevedo; edited by Sarah Silbert; reviewed by Evelyn He
- Chase Checking Account Options
- Key Features and Benefits
- Fees and Charges
- Additional Banking Services
- Opening a Chase Checking Account
- Customer Service
- How Chase Checking Compares
- Why You Should Trust Us
- FAQs
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Chase offers multiple checking accounts. Your best fit could come down to what perks you want and whether you can waive the monthly fee.
Chase is a great option if you're looking for a cash bonus — it offers some of the best checking account bonuses out there.
Chase Checking Account Options
Chase Total Checking
Chase Total Checking®
On Chase's website
Perks
Earn $300 bonus when you open an account and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 10/16/2024)
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
Earn $300 bonus when you open an account using a coupon code and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 10/16/2024)
$300
Pros
- No required opening deposit
- Over 4,700 branches
- $300 sign-up bonus
- Free overdraft protection when you link to savings for automatic transfers
Cons
- $12 monthly fee unless you meet direct deposit or minimum balance requirements
- Fees for non-Chase ATMs
- $34 overdraft and non-sufficient funds fees (no fee if you're overdrawn by $50 or less at the end of the business day)
Insider’s Take
There are several Chase checking accounts, and Chase Total Checking® is the bank's most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $300 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase's other options could be a better fit.
Chase Total Checking review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Total Checking is a good option if you want a basic checking account, because it's easy to waive the $12 monthly service fee. You just have to electronically deposit $500 per month, start each day with a $1,500 balance, or maintain a daily average balance of $5,000 in all of your Chase accounts. You also may qualify for a $300 bonus.
Chase Secure Banking
Chase Secure Banking℠
On Chase's website
Perks
Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 10/16/2024)
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 10/16/2024)
$100
Pros
- No minimum opening deposit
- No overdraft fees
- Free money orders and cashier's checks
- Early direct deposit (up to 2 days early)
- $100 bonus
Cons
- $4.95 monthly service fee
- No overdraft protection
- Fees for non-Chase ATM
- Does not include paper checks
- No wire transfers to or from this account with qualifying transactions
Insider’s Take
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn't matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Chase Secure Banking℠ review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
You can waive the monthly fee on your Chase Secure Banking account with qualifying activities, but the $4.95 monthly service fee charge is relatively low and you won't have to worry about overdraft fees.
You might like this account if you're unable to waive the $12 monthly service fee with Chase Total Checking. You can also earn a bonus of $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 10/16/2024).
Chase Secure Banking Review
Chase Premier Plus Checking
Chase Premier Plus Checking℠
Start banking
Chase Bank, Member FDIC
Insider’s Rating
4/5
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$0
Pros
- No required opening deposit
- Over 4,700 branches
- Four waived out-of-network fees per month
- Free Chase design checks, cashier's checks, and money orders
- Waive monthly fees on 2 other Chase checking accounts when linked to this account, and to Chase savings accounts excluding Chase Private Client Savings
- Possible to waive monthly service fee
- Enroll in free overdraft protection that moves money from savings to checking
- Chase Overdraft Assist lets you overdraw by up to $50 without paying a fee
Cons
- $25 monthly fee unless you qualify to waive it
- $3 fee for out-of-network ATMs
- $34 overdraft and non-sufficient funds fees
- Doesn't refund any fees charged by out-of-network ATMs
Chase Premier Plus Checking℠ review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The $25 monthly service fee is waived when you have an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account OR for current servicemembers and veterans of the U.S. Armed Forces with a qualifying military ID
- No Chase fee on first four non-Chase ATM transactions per statement period
- Earn interest on your checking account balance
- Access to 15,000 Chase ATMs and over 4,700 branches
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.
You get more perks with Chase Premier Plus Checking℠, including four waived out-of-network ATM fees each month.
However, you'll pay a $25 monthly service fee if you don't qualify to waive the fee. There's no cash bonus.
Chase Sapphire Banking
Chase Sapphire℠ Banking
Start banking
JPMorgan Chase Bank, FDIC Insured
Insider’s Rating
4.25/5
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
Interest rates are variable and subject to change
0.01%
Minimum Opening Deposit
None
Pros
- No required opening deposit
- Over 4,700 branches
- No out-of-network ATM fees worldwide
- Unlimited out-of-network ATM fee reimbursements
- No foreign exchange rate adjustment fees
- No incoming or outgoing wire transfer fees
- No stop payment fees
- No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods, combined
- Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Banking (excluding Chase Private Client Checking and Savings)
- Enroll in free overdraft protection to move money from savings to checking
- Overdraft Assist lets you overdraw by up to $50 without charging a fee
- Exclusive entertainment and sports event benefits
Cons
- $25 monthly fee unless you have a combined $75,000 in Chase Sapphire and other qualified Chase accounts
- $34 overdraft and non-sufficient funds fees
Chase Sapphire℠ Banking review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the Chase Sapphire℠ Banking has been collected by Business Insider and has not been reviewed by the issuer
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Waive $25 monthly service fee by maintaining an average daily balance of $75,000 combined in all of your Chase bank accounts and partner investment accounts
Chase Sapphire℠ Banking is a premium Chase checking option. It comes with many of the same benefits as Premier Plus Checking, plus waived foreign transaction and wire transfer fees. You'll need $75,000 in all of your Chase and partner accounts to waive the $25 monthly service fee, though. There's also no cash bonus with this account.
Chase Private Client Checking Account
Chase Private Client Checking℠
On Chase's website
Perks
Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account, transfer qualifying funds into a combination of eligible accounts within the first 45 days, and maintain your new money balance for at least 90 days from opening the account (offer expires 10/16/2024). Earn $1,000 when you deposit $150,000 - $249,999, earn $2,000 when you deposit $250,000 - $499,999, or earn $3,000 when you deposit $500,000 or more.
Fees
$35 monthly service fee
Annual Percentage Yield (APY)
The Annual Percentage Yield (APY), for Chase Private Client Checking℠ effective as of 6/28/24 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.
0.01% as of 06/28/2024
Minimum Opening Deposit
None
Bonus
Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account, transfer qualifying funds into a combination of eligible accounts within the first 45 days, and maintain your new money balance for at least 90 days from opening the account (offer expires 10/16/2024). Earn $1,000 when you deposit $150,000 - $249,999, earn $2,000 when you deposit $250,000 - $499,999, or earn $3,000 when you deposit $500,000 or more.
up to $3,000
Pros
- Earn up to $3,000 cash bonus
- No foreign exchange rate adjustment fees
- Unlimited out-of-network ATM fee refunds
- No fees on the first 4 overdrafts during the current and previous 12 statement periods
- No incoming or outgoing wire transfer fees
- Higher deposit and withdrawal limits than other Chase checking accounts
- Free personalized checks
- Access to a Chase Private Banker
- Access to a Business Relationship Manager
- Access to exclusive offers on sport and entertainment events
- Discounts on home and auto loans
Cons
- You must have $150,000 in this account and any eligible linked Chase bank and investment accounts to qualify
- $35 monthly service fee, unless you qualify to waive it
- $34 overdraft and non-sufficient funds fees
Insider’s Take
Chase Private Client Checking℠ could be a good fit if you want access to a Chase Private Banker, Business Relationship Manager, and discounts on auto and home loans. But if you don't have at least $150,000 in a combination of your accounts, you won't qualify to open an account or to waive the monthly fee.
Chase Private Client Checking℠ review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
Chase Private Client Checking℠ includes many of the same perks as Sapphire Banking, plus access to a private banker for customized service and exclusive events. You'll also have a Business Relationship Manager, which is useful if you're a business owner. You may qualify for a bonus of up to $3,000.
To waive the $35 monthly service fee, you'll need $150,000 in all of your Chase and partner accounts.
Chase Business Complete Checking
Chase Business Complete Checking
On Chase's site. JPMorgan Chase Bank, FDIC Insured
Perks
Earn a $300 bonus after completing qualifying activities including total deposits of at least $2,000 (offer expires 10/17/2024)
Fees
$15 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
To earn a $300 bonus, deposit at least $2,000 of new money within 30 days of opening the account, maintain your new money balance in the account for at least 60 days after opening the account, and complete five qualifying transactions within the first 90 day (offer expires 10/17/2024)
$300
Pros
- No minimum opening deposit
- Unlimited monthly debit card transactions
- 20 free transactions made with checks or a bank teller each month
- Possible to waive the monthly service fee
- Large free ATM network
Cons
- $15 monthly service fee
- After the 20-transaction limit, you'll pay $0.40 per transaction with a bank teller and for checks
Insider’s Take
Chase Bank business checking accounts could be worthwhile if you're a small business owner who wants to open an account with one of the best national banks. Chase Business Complete Checking, in particular, is a solid option if you're a new customer who qualifies for a cash bonus.
Chase Business Complete Checking review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Around 4,700 branches in 48 US states and Washington, DC
- Access to 16,000 free ATMs
- Deposit $5,000 in cash for free per statement cycle
- Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink Business credit card.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Member FDIC
Chase Business Complete Checking is the bank's small business checking account. There's a $15 monthly service fee, but Chase offers several ways to waive it. You may be eligible for a cash bonus of $300.
Overview of Chase Personal Checking Account Offerings
Chase Premier Plus Checking℠ | Chase Sapphire℠ Banking | ||||
Minimum opening deposit | $0 | $0 | $0 | None | None |
Interest earned | None | None | 0.01% | 0.01% | 0.01% as of 06/28/2024 |
Monthly service fee | $12 monthly service fee; possible to waive | $4.95 monthly service fee; possible to waive | $25 monthly service fee; possible to waive | $25 monthly service fee; possible to waive | $35 monthly service fee; possible to waive |
Out-of-network ATM fee | $3 to $5 | $3 to $5 | No Chase fee 4 times per statement period | No Chase fee | No Chase fee |
Overdraft fees | $34; overdraft protection plans available | None; declines overdrafts | $34; overdraft protection available | No fees on the first 4 overdrafts during the current and previous 12 statement periods | No fees on the first 4 overdrafts during the current and previous 12 statement periods |
Cash bonus for new customers | $300 | $100 | up to $3,000 |
Chase Key Features and Benefits
National Branch and ATM Presence
One of the advantages of banking with Chase is that you have access to a robust branch and ATM presence. The bank has over 4,700 locations and over 15,000 ATMs. It also has locations in all lower 48 states.
No Minimum Opening Deposit
You don't need any money to open a Chase checking account. However, you must keep a minimum balance to waive the monthly fee on most accounts.
Bank Account Bonuses
Bank account bonuses are one of the most notable Chase checking account benefits. Chase has checking account bonuses for Chase Total Checking, Chase Secure Banking, Chase Private Client Checking, and Chase Complete Business Checking. The Chase bank promotions are generally for new checking account customers.
Chase Private Client Checking has the highest bank account bonus at the bank. You can get up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities (offer expires 10/16/2024). Chase Total Checking or Chase Secure Banking could be worth exploring if you're searching for a checking bonus with more lenient requirements.
Chase Checking Fees and Charges
Monthly Service Fees
Chase does not have a free checking account. You must meet certain monthly requirements if you do not want to pay bank maintenance fees.
Chase Secure Banking℠ and Chase Total Checking® are the bank's everyday banking options. These accounts have the lowest monthly service fees and offer the most lenient requirements for waiving these fees.
You still might consider one of Chase's higher-tier checking accounts if you regularly maintain a high account balance or meet one of the other requirements for waiving monthly service fees.
Overdraft Fees
Chase has a $34 overdraft fee, up to three times daily, for transactions that overdraw your checking balance by more than $50. There are ways to avoid this fee, though.
Chase Secure Banking℠ does not charge overdraft fees; it declines transactions that would cause a negative checking balance. Chase Sapphire Checking and Chase Private Client Checking℠ waive the first 4 overdrafts during the current and previous 12 statement periods.
Another option is to sign up for overdraft protection and link a Chase savings account. When you make a transaction that would result in a negative balance, money from your savings account will be transferred to restore your checking balance. There aren't fees for overdraft protection transfers.
With Chase Overdraft Assist, you can also avoid overdraft fees by restoring your checking balance by the end of the next business day (11 p.m. ET/8 p.m. PT). Your overdrawn amount must be $50 or less to restore your account.
ATM Fees
Chase is one of the best banks for avoiding ATM fees. Chase has a $2.50 out-of-network ATM fee. However, several Chase checking accounts waive or do not charge ATM fees.
Chase Premier Plus Checking won't charge ATM fees at non-Chase ATMs for up to four times per statement period. Chase Sapphire℠ Banking and Chase Private Client Checking℠ won't charge fees at non-Chase ATMs.
Chase Additional Banking Services
You also might like Chase if you're interested in primarily banking with one financial institution. Chase has a variety of banking products and services. It's a top pick for the best credit cards and best mortgage lenders. You can also get business bank accounts and business credit cards, so it may be a good choice if you're a small business owner who prefers traditional banking.
Opening a Chase Checking Account
You can apply for a Chase checking account online or at a branch. If you're applying online, you must provide a Social Security number and driver's license or state ID.
Two forms of ID are usually required to open a Chase checking account. A driver's license or passport is considered an acceptable form of ID for an adult. Minors opening a teen checking account with their parent may use a birth certificate and student ID with a photo.
You'll also share general information about yourself, like full name, address, and date of birth. Chase checking accounts do not require a minimum opening deposit.
Chase Customer Service
Chase customer support is available at branches or by phone. The bank also has an FAQ section with videos to help address questions about personal banking, business banking, credit cards, online banking, mobile banking, home lending, and investments.
Customer service hours may vary depending on the location. Generally, branches are open weekdays from 9 a.m. to 5 p.m. in your respective time zone and Saturday mornings.
Chase has strong customer service overall. It ranks second in the J.D. Power 2023 National Banking Satisfaction Study.
Chase Checking Account Alternatives
Chase Checking vs. Wells Fargo Checking
Neither Chase nor Wells Fargo offers free checking accounts. The monthly services on checking accounts at both banks are similar, and you'll need to meet certain requirements each month for the fee to be waived.
It's slightly easier to waive monthly service fees on Wells Fargo's everyday checking accounts, but your choice may ultimately come down to which account features stand out the most to you.
For example, Chase Total Checking® has a bonus that's easier to earn than the Wells Fargo Everyday Checking Account. The Wells Fargo Everyday Checking Account has a $300 bonus when you open a new account from the offer webpage with a $25 minimum opening deposit and receive a total of $1,000 or more in qualifying electronic deposits to your new checking account within 90 calendar days of account opening (offer ends September 25, 2024).
Wells Fargo Bank Review
Chase Checking vs. Bank of America Checking
Chase is a better option for a checking account with a low minimum opening deposit. Chase checking accounts have a $0 minimum, while Bank of America checking accounts range from $25 to $100.
You also might prefer Chase over Bank of America if you want a checking account bonus. Chase offers a greater variety of bonuses right now, and Chase Total Checking® stands out among new bank account bonuses because of its relatively straightforward requirements. You can earn a $300 bonus when you open an account and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 10/16/2024).
It could be a toss-up between the two banks if you want to avoid monthly service fees on a checking account. Chase and Bank of America have similar monthly service fees for checking accounts. Your choice may ultimately depend on which type of checking account you want and whether you qualify to avoid the monthly service fee.
If you're not set on banking with a traditional brick-and-mortar bank, online banks could be more suitable for finding free checking accounts. The best online banks have checking accounts with no monthly service fees and no overdraft fees.
Bank of America Review
Why You Should Trust Us: How We Reviewed Chase Checking Accounts
We rated Chase checking accounts using Business Insider's bank account methodology. We rate each checking account from zero to five, based on seven categories: ethics, customer service, mobile app, minimum opening deposit, monthly service fees, overdraft fees, and ATM network/fees. See what top checking accounts made our list.
Chase Checking FAQs
What are the benefits of opening a Chase Total Checking Account?
The Chase Total Checking® Account has a low minimum opening deposit, access to a national branch and ATM network, and multiple ways to waive the monthly service fee. If you're a new customer, you're also eligible for a $300 bonus.
How can I waive the monthly fee on my Chase checking account?
To waive the monthly service fee on a Chase checking account, you generally need to meet one of the following monthly requirements: receive an electronic deposit of a certain amount, maintain a specific average daily checking balance, maintain a certain combined balance across all your Chase accounts or have a linked eligible account (for premium checking accounts).
Does Chase offer interest on checking account balances?
Chase Premier Plus Checking, Chase Sapphire Checking, and Chase Private Client Checking are interest-earning checking accounts. These accounts have low interest rates, though. If you're searching for a high-interest checking account, one of the best high-yield checking accounts is likely more appealing.
How does Chase's mobile app enhance the checking account experience?
With the Chase mobile app, you'll have access to fraud monitoring, mobile check deposits, Zelle, free credit score reports, and budgeting tools.
How does Chase compare with online-only banks?
Chase doesn't have any free checking accounts, which is something that's typically offered by online banks. If you can't waive the fee at Chase but want a free checking account, you may be better off banking elsewhere.
Sophia Acevedo
Banking Editor
Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics.ExperienceSophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "My Financial Life," which focused on telling stories that could help people live and spend better.Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.ExpertiseSophia's expertise includes:
- Bank accounts
- Savings and CD rate trends
- Budgeting
- Saving
- How banks operate
EducationSophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.Sophia is a member of the National Association of Hispanic Journalists.She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.
Compliance and Operations Associate
Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
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