Chase Checking Accounts

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If you’re considering opening a Chase checking account, you’re in good company. Chase Bank is one of the largest financial institutions in the U.S., offering a variety of checking accounts tailored to different financial needs. Whether you’re looking for a basic checking account, a premium account with added perks or a specialized account for kids, Chase has something for you.

Overview of Chase Checking Accounts

If you are looking for security, a wide network of ATMs and branches across the U.S., and a broad range of banking and investment products, Chase is a solid choice. The bank offers many checking accounts to serve customers of varying needs and means. All Chase customers have access to the bank’s 4,700 in-person branches and more than 15,000 in-network ATMs. The Chase Mobile app provides features like Budget, Chase Credit Journey for credit score monitoring, and card lock if you lose your debit card.

In addition to accounts for children and teens, Chase offers five different checking accounts, each with different features, benefits and fees. These are the options available.

Chase Secure Checking

Chase Secure Banking is Chase’s entry-level checking account for adults, giving customers access to many features of a Chase account with no concerns about overdraft fees. Chase declines all transactions that would cause you to spend more than you have, which, coupled with Chase’s in-app tools, can help you learn to budget better.

Secure Checking customers can also take advantage of early direct deposit on ACH credits, with money appearing in their account two days earlier than it would at many other banks. There is no minimum deposit required to open an account.

Chase is offering a promotion through Oct. 15, 2025, for new Chase customers who open a Chase Secure Banking account. You can get a $100 bonus if you complete 10 qualifying transactions within 60 days of opening your account.

Fees

Chase Secure Checking has a $4.95 monthly fee, easily waived with qualifying electronic deposits of at least $250 per statement period. The account charges no fees at Chase ATMs, no fees for Online Bill Pay and no fees for money orders or cashier’s checks.

Chase Total Checking

The bank’s most popular checking account, designed for the average middle-income consumer, Chase Total Checking offers a few features that set it apart. The account provides zero liability protection, which means you aren’t responsible for unauthorized debit card transactions if you report them promptly. You’ll enjoy the benefit of Overdraft Assist, which means you won’t pay a fee if you’re overdrawn by $50 or less at the end of the business day or bring your account balance to overdrawn by $50 or less by the end of the next business day.

As part of a Chase promotion through Oct. 15, 2025, new Chase checking customers can earn a $300 bonus when they open an account and make direct deposits totaling at least $500 within the first 90 days of enrollment. There is no minimum deposit required to open an account.

Fees

Chase Total Checking collects a monthly fee of $12, which you can waive in one of three ways:

• Have $500 or more in ACH deposits each month
• Have a beginning daily balance of at least $1,500 each day
• Have an average beginning day balance of at least $5,000 in this account combined with other linked qualifying Chase deposit accounts

Chase also charges a fee of $3 per withdrawal from non-Chase domestic ATMs and $5 from non-Chase ATMs outside the U.S. Fees also apply for wire transfers, cashier’s checks, money orders and orders of personal checks and deposit slips from Chase.

Chase Premier Plus Checking

Chase Premier Plus Checking offers more perks and benefits than a Total Checking account, with fees that are easily waived if you meet balance requirements or are a U.S. military member or veteran. Notably, the account pays interest on your balance, the same as a Chase Savings account.

Chase Premier Plus Checking offers free personal checks, cashier’s checks, and money orders, and no fee on your first four non-Chase ATM transactions each statement period. Accountholders benefit from Overdraft Assist to help avoid overdraft charges and Zero Liability Protection against unauthorized purchases.

Fees

Chase Premier Plus Checking has a monthly service fee of $25. This fee is waived if you have an average beginning daily balance of $15,000 or more in your Premier Plus account plus other qualifying deposits or investment accounts. If you have a Chase first mortgage enrolled in automatic payments linked to your Premier Plus account, Chase will also waive the $25 fee. U.S. veterans or military members also pay no monthly service fee.

Chase Sapphire Checking

A Chase Sapphire Checking account offers many of the benefits of relationship banking without minimum balance or minimum opening deposit requirements. You’ll get a dedicated, 24/7 phone support line, zero liability protection on unauthorized debit card transactions, fraud monitoring, and additional benefits with other linked Chase accounts. Chase Sapphire also delivers an interest rate of APY.

Fees

Chase Sapphire is a premium account with a low monthly fee of $25. That fee is waived if you have an average beginning day balance of at least $75,000 for that statement period. That balance includes other qualifying linked Chase accounts.

As an added benefit, you won’t pay other common fees, like non-Chase ATM fees, a Foreign Exchange Rate Adjustment fee or wire transfer or stop payment fees.

Chase Private Client Checking

Chase Private Client Checking is the financial institution’s relationship banking product, giving customers access to a J.P. Morgan Private Client Advisor and various other benefits.

Right now through Oct. 15, 2025, you can earn up to $3,000. Earn $1,000 with a $150,000 to $249,000 deposit within 45 days and maintain that balance for 90 days. Earn $2,000 when you meet those requirements with a deposit of $250,000 to $499,999 or earn $3,000 with a $500,000+ deposit. This offer applies to new and current Private Client customers.

Other perks include:

• Higher ATM withdrawal limits and debit card purchase limits
• No ATM or wire transfer fees
• Access to invitation-only events for Private Client customers

You may also qualify for a 0.25% auto rate discount if you finance a vehicle through Chase. Private Client customers receive ATM surcharge fee reimbursement if the out-of-network ATM provider charges a fee.

There is no minimum deposit requirement for a Chase Private Client account, but the Chase website indicates that customers generally intend to invest $100,000 or more when they work with a Private Client Advisor.

Fees

A Private Client checking account has a $35 monthly fee, which is waived each month that you have an average beginning day balance of $150,000 in your Private Client Checking Account combined with other qualifying linked Chase checking, savings or investment accounts, or have a linked Chase Platinum Business Checking Account.

Chase First Banking (for Kids)

This Chase bank account is a good way for kids to get started with money management. It doesn’t have any fees, and it has parental controls that allow parents to monitor how their children spend money. Parental controls also allow adults to limit how much money their children can spend and where they can spend money. These accounts also come with debit cards and are available for 6-17-year-old kids. This account is exclusively for Chase checking customers.

• No monthly fee: designed for children aged 6-17.
• Offers parental controls and allows kids to learn money management.
• Must be linked to a parent’s Chase checking account.

Key Features of Chase Checking Accounts

Chase has a long track record, and its checking accounts are quite competitive. These are some of the key perks of doing your banking with Chase.

• Nationwide Access: Chase has over 4,700 branches and 16,000 ATMs.
• Digital Banking Tools: Use the Chase Mobile® app, online banking and Zelle® for fast money transfers.
• Overdraft Protection: Chase offers different overdraft protection options to help you avoid costly fees.
• Fee Waivers: Many accounts allow fee waivers for maintaining a minimum balance or setting up direct deposits.

How to Avoid Chase Checking Account Fees

Consumers can avoid Chase account fees by using several methods. Here’s a breakdown:

• Set Up Direct Deposits: Most accounts waive fees if you receive qualifying direct deposits.
• Maintain the Minimum Balance: Keeping a sufficient balance prevents unnecessary fees.
• Use Chase ATMs: Avoid fees by using Chase’s extensive ATM network instead of out-of-network ATMs.
• Opt for Online Statements: Some fees apply for paper statements, so choose e-statements when possible.

How to Open a Chase Checking Account

It’s pretty straightforward to open a Chase checking account. You can follow these steps to have your account:

• Step 1: Compare Chase accounts: Review each account to determine which is right for you.
• Step 2: Apply for one of the checking accounts: You can apply for a Chase checking account on the bank’s website or at a local branch. The website is more convenient.
• Step 3: Provide your personal information: Chase will ask for our ID, Social Security Number, address, and other details.
• Step 4: Make an opening deposit: Some Chase checking accounts may require an opening deposit. You will have to make this deposit to create an account. Then, you will receive a debit card which you can activate shortly after.

Pros and Cons of Chase Checking Accounts

Just like with most things, there are pros and cons to which Chase account you opt for. Here’s a quick breakdown of the pros and cons to keep in mind:

Pros:

• Multiple account options to fit different needs.
• Strong digital banking features.
• Large ATM and branch network.

Cons:

• Some accounts have higher fees compared to online-only banks.
• Interest rates on checking balances are low.

Final Thoughts to GO: Is a Chase Checking Account Right for You?

With a range of checking account options, Chase offers solutions for basic banking, premium perks and family-friendly accounts. Whether you need fee-free options, travel benefits or overdraft protection, Chase has an account to match your lifestyle.

Visit Chase’s website or a local branch to open your Chase checking account today!

Information is accurate as of Feb. 12, 2025.

*With Chase Overdraft Assist^SM, Chase won’t charge an insufficient funds fee 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 p.m. ET, or 8 p.m. PT, to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

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