Chase Checking Account Review 2024

Chase Bank is a full-service financial institution with more than 4,700 branches throughout all regions of the U.S. A division of JPMorgan Chase & Co., Chase Bank is the largest U.S. bank in terms of assets.

Chase offers five different checking accounts: Chase Total Checking®, Chase Secure Banking℠, Chase Premier Plus Checking℠, Chase Sapphire Banking and Chase Private Client Checking℠.

Account information and annual percentage yields (APYs) are accurate as of April 4, 2024.*

Chase Total Checking®

Chase Total Checking® is the bank’s most popular account and best for everyday use. While there’s no minimum deposit to open the account, it does have a $12 monthly maintenance fee. Customers can avoid the monthly fee by meeting any of the following requirements:

• Receive a minimum of $500 in monthly electronic deposits
• Maintain a daily balance of $1,500 or more
• Maintain a minimum balance of $5,000 across linked Chase accounts

This account also comes with Overdraft Assist and Zero Liability Protection, along with online and mobile banking.

New customers can often qualify for Chase Bank promotions of $100 or more by opening a new Chase checking account and receiving a certain amount of money via direct deposits within 90 days.

FEATURED PARTNER OFFER

Earn $300

Chase Total Checking®

Offer

Earn $300*

Expiration

Expires July 24, 2024

Monthly Maintenance Fee

$12

Learn More

On Chase Bank's Website

Earn $300*

Expires July 24, 2024

$12

*Offer Details

Chase Total Checking® is Chase’s flagship consumer checking account product. It offers access to over 15,000 ATMs and more than 4,700 branch locations across the U.S., plus access to online banking and a highly rated mobile app. The account comes with a $12 monthly service fee.

• What is the offer?  $300 bonus when you open a Chase Total Checking account and set up direct deposits totaling $500 or more within 90 days
• What is considered a direct deposit? You qualify if your account receives direct deposits of your paycheck, pension or a government benefit. Person-to-person payments like Venmo and Zelle are not considered direct deposits.
• When do you receive your bonus?  Chase says you’ll get the money within 15 days after setting up direct deposit.
• Is there a time limit on the offer? Yes. It expires July 24, 2024.
• Can you avoid the monthly service fee?  The $12 charge can be avoided if you do any one of the following:
  • Post a total of $500 per month in direct deposits or other payments into the account, including to your debit card
  • Keep a balance of $1,500 or more in the account at the beginning of each day
  • Maintain an average daily balance of $5,000 or more across all of your qualifying Chase deposit accounts.

Chase Secure Banking℠

Chase Secure Banking is another basic checking account, but this one has no overdraft fees. Secure Banking also provides fee-free money orders and cashier’s checks along with early access to direct deposits.

Like other Chase checking accounts, there’s no minimum deposit to open this account it does have a maintenance fee of $4.95, which can be waived with electronic deposits made into the account totaling $250 or more during each monthly statement period..

FEATURED PARTNER OFFER

Earn $100

Chase Secure Banking℠

Annual Percentage Yield

N/A

Minimum Deposit Requirement

$0

Offer

Earn $100*

Learn More

Via Chase.com

N/A

$0

Earn $100*

*Offer Details

If you are concerned about monthly service fees or maintaining a minimum balance, Chase offers Chase Secure Banking℠. A Chase Secure Banking account carries a lower $4.95 monthly fee and requires no minimum deposit.

• What is the offer? Earn a $100 bonus when you open a Chase Secure Checking account with qualifying transactions
• What transactions qualify for the offer? Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDepositSM or online bill payments
• When do you receive your bonus? The cash will appear in your account within 15 days after you complete the qualifying transactions, Chase says.
• Is there a time limit on the offer? Yes. It expires July 24, 2024.
• Can you avoid the monthly service fee?Avoid the monthly service fee when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.

Chase Premier Plus Checking℠

Chase Premier Checking Plus earns negligible 0.01% APY interest and offers a few benefits that aren’t included with more basic accounts.

This account has a $25 monthly maintenance fee, but Chase will waive it if you meet either of two qualifications:

• Maintain an average beginning day balance of at least $15,000 across linked Chase accounts
• Have a linked Chase first mortgage enrolled in automatic payments from your Chase checking account

This account also includes Overdraft Assist, fee-free checks, four free non-Chase ATM transactions per month and the ability to link qualifying Chase accounts without monthly fees.

Chase Sapphire Banking

Customers can enjoy perks beyond interest with the Chase Sapphire Banking account. This account earns 0.01% APY and requires a $25 monthly maintenance fee—which you can only avoid by keeping an average beginning day balance of $75,000 across linked Chase accounts.

In addition to the benefits included with Chase Premier Plus Checking, Chase Sapphire Banking lets customers link up to nine qualifying accounts. The account also provides fee-free wire transfers and worldwide ATM transactions.

Sapphire Banking supports higher limits on Quick Deposit, Zelle, ATM transactions and daily purchases—plus exclusive entertainment benefits like early access to ticket sales. Customers also have access to a dedicated 24/7 customer service line.

Chase Private Client Checking℠

Chase Private Client Checking℠ includes the benefits of lower-tiered Chase checking accounts, such as 0.01% (effective as of 3/22/2024) APY, along with a dedicated team of bankers and advisors to assist customers with wealth management.

This account has a monthly fee of $35, which can be waived by having either of the following:

• Average beginning day balance of $150,000 or more in linked accounts and investments
• A linked Chase Platinum Business Checking℠ account

In addition to including a personalized team of professionals, this account charges no fees for everyday banking and offers higher daily limits on withdrawals and deposits. It also has many other benefits, like access to invitation-only events, a no-fee safe deposit box and free expedited card replacements.

Other Chase Checking Account Products and Services

Along with these basic and premium checking accounts, Chase also offers checking accounts for kids and students, including:

• Chase First Banking℠
• Chase High School Checking
• Chase College Checking℠

Chase also has a suite of checking account options for business owners, including:

• Chase Business Complete Banking®
• Chase Performance Business Checking®
• Chase Platinum Business Checking℠

While Chase has locations all over the country, on-the-go banking is easy, too. Customers can use online banking to deposit checks, pay bills, transfer money via Zelle and access monthly statements.

Customers can also use Chase’s highly rated mobile app to bank from their phones. Among other features, the Chase Mobile app has budgeting and savings tools, a card lock button and fraud monitoring technology.

Finally, customers can get over-the-phone support seven days a week—and Sapphire and Private Client account holders can access a 24/7 support line.

Chase checking accounts vary by fees, features and more—but they all have the following benefits in common:

• No minimum deposit: Open any Chase checking account with any balance.
• Accessibility: Withdraw or deposit cash at more than 16,000 ATMs and 4,700 bank branches.
• Cardless ATM access: Add your Chase debit card to your digital wallet and transact with your phone at a cardless Chase ATM.
• Free debit card: Chase checking accounts include a debit card with secure chip technology.
• Zelle: This peer-to-peer payment service lets you send and receive money from friends and family with the Chase mobile app.
• Online banking, mobile banking and online bill pay: Transfer money, pay your bills, check your balance and deposit checks from anywhere.
• Access to Chase First Banking: This kids’ checking account comes with a debit card and allows parents to set spending limits, pay allowance and set up alerts.

Chase doesn’t offer any free checking accounts. In fact, there’s a long list of fees you may be charged for various services and transactions. Fees vary by account, so we’ve broken them down in the table below.

Note that all monthly service fees can be waived by meeting certain criteria. Those are detailed in the bullet points that follow the fee table.

	Chase Total Checking	Chase Secure Banking	Chase Premier Plus Checking	Chase Sapphire Banking	Chase Private Client Checking
Monthly service fee	$12	$4.95	$25	$25	$35
Non-Chase ATM fees	$3	$3	$0 to $3	$0	$0
Foreign Exchange Rate Adjustment	3%	3%	3%	$0	$0
Non-ATM cash fees	3% or $5	3% or $5	3% or $5	$0	$0
Card replacement rush fee	$5	$5	$5	$0	$0
Overdraft fees	$34	$34	$34	$0; restrictions apply	$0; restrictions apply
Domestic and international incoming wire fees	$0 to $15	$0 to $15	$0 to $15	$0	$0
Domestic wire fees	$35	$35	$35	$0	$0
Online domestic wire fees	$25	$25	$25	$0	$0
Consumer USD/FX international wire fees	$50	$50	$50	$0	$0
Consumer online USD international wire fees	$40	$40	$40	$0	$0
Consumer online FX international wire fees	$0 to $5	$0 to $5	$0 to $5	$0	$0
Stop payment fees	$30	$30	$30	$0	$0
Online or automated phone stop payment fees	$25	$25	$25	$0	$0
Order for checks or supplies fees	Varies	Varies	Varies	Varies	Varies
Counter check fees	$3 per page	$3 per page	$0	$0	$0
Money order fees	$5 per check	$0	$0	$0	$0
Cashier’s check fees	$10 per check	$0	$0	$0	$0
Legal processing fees	Up to $100 per order	Up to $100 per order	Up to $100 per order	$0	$0

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To avoid the Chase Total Checking monthly fee, you must satisfy any of the following requirements:

• Receive at least $500 worth of direct deposits each month
• Maintain a minimum balance of $1,500 at the beginning of each day
• Maintain an average beginning daily balance of at least $5,000 across linked qualifying accounts

To avoid the Chase Premier Plus Checking monthly fee, you must satisfy any of the following requirements:

• Maintain an average beginning daily balance of at least $15,000 across linked qualifying accounts
• Have a linked qualifying Chase first mortgage with automatic payments drawn from your Chase checking account
• Have a qualifying military ID

The only way to avoid the Chase Sapphire Banking monthly fee is to have a beginning day balance of at least $75,000 across linked qualifying accounts.

The only way to avoid the Chase Private Client Checking℠ monthly fee is to have an average beginning daily balance of at least $150,000 across linked qualifying accounts or eligible investments.

The only way to avoid the Chase Secure Banking℠ monthly fee is to have electronic deposits made into the account totaling $250 or more during each monthly statement period.

There’s a lot to like about Chase Bank’s checking accounts, which customers can access at branches, ATMs or online. Chase offers numerous features and benefits, but most perks aren’t available to everyday customers looking for a basic account. Also, Chase’s low interest rates don’t hold up against the competition.

Those wanting to avoid Chase checking account fees and find competitive interest rates should look elsewhere for a high-yield checking account. But customers who can avoid the monthly fee, appreciate in-person banking or have the net worth to warrant a dedicated banking team might consider opening a checking account with Chase.