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 July 11, 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 October 16, 2024
Monthly Maintenance Fee
$12
On Chase Bank's Website
Earn $300*
Expires October 16, 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? Earn a $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 October 16, 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*
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 October 16, 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 6/28/2024) 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.
FEATURED PARTNER OFFER
Chase Private Client Checking℠
Offer
Expires October 16, 2024
Earn up to $3,000*
Annual Percentage Yield
The Annual Percentage Yield (APY), for Chase Private Client CheckingSMeffective 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%
Monthly Maintenance Fee
$35
Via Chase.com
Expires October 16, 2024
Earn up to $3,000*
The Annual Percentage Yield (APY), for Chase Private Client CheckingSMeffective 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%
$35
*Details
- You’re eligible for up to a $3,000 bonus when you open a new Chase Private Client CheckingSM account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client CheckingSM 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 QuickDepositSM 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.
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℠
