Chase Bank Checking Accounts Overview

Chase is the largest bank in the United States, and it has a wide range of accounts and services. Customers can use 16,000 ATMs and the largest branch network in the country.

The bank stands out because of its highly rated mobile app and features that meet the needs of customers who want the best digital experience.

Checking Accounts Available With Chase

In addition to business accounts and banking for private clients, Chase also has a number of checking options for consumers.

When customers sign up for a Chase Total Checking account, they pay a lower monthly fee than with other Chase checking accounts, but they also get fewer benefits. When the account meets certain requirements, like a monthly direct deposit of at least $500, the monthly fee is waived. Customers can also waive the fee by keeping at least a $1,500 balance at all times.

Chase Premier Plus account holders pay a higher monthly maintenance fee, but they can use out-of-network ATMs four times per statement period without being charged by the bank (although there could be a fee from the ATM owner or network). Like the Total Checking account, the monthly fee can be waived if the account meets certain requirements.

With a Chase Sapphire Checking account, you can earn interest and use any ATM without paying a fee. You can get out of paying the monthly fee, but the minimum balance is much higher than with the Total Checking and Premier Plus accounts.

Chase also has a product called Chase Secure Banking for people who don’t use traditional banks, don’t need checks, and want an account with no overdraft fees.

Account name	Minimum deposit	Monthly fee
Chase Total Checking	$0	$12/$0*
Chase Premier Plus Checking	$0	$25/$0*
Chase Sapphire Checking	$0	$25/$0*
Chase Secure Banking	$0	$4.95

*Monthly fees are waived when accounts meet certain balance requirements or other criteria.

Chase has standard checking accounts for consumers, but it also has a checking account for students ages 13–17 and one for college students ages 17–24.

There is no monthly fee for the high school checking account, and there is no monthly fee for the college checking account for up to five years. After that, there is a $6 monthly fee.

Chase Checking Account Fees

Monthly Fees

Most of Chase’s consumer checking accounts have monthly fees, but they can be waived. For example, the Total Checking account has a $12 monthly fee that can be waived by meeting one of the following requirements each month:

• Monthly direct deposits that total at least $500
• A beginning daily account balance of at least $1,500
• An average beginning day balance of at least $5,000 combined with any qualifying linked accounts

For the Chase Premier Plus Checking accounts, the monthly fee can be waived by:

• Having an average beginning day balance of $15,000, Or
• Linking a qualifying Chase first mortgage with automatic payments from the account.

The monthly fee is also waived for military members.

For the Chase Sapphire Checking account, the monthly fee can be waived by maintaining an average beginning day balance of $75,000 or more in the account or in combination with eligible linked accounts.

ATM Fees

• ATM fee for using a non-Chase ATM in the U.S is $3 per transaction
• For international withdrawals, the fee is $5
• For international transfers or inquiries, the ATM fee is $3
• Premier Plus Checking customers get four ATM fees charged by Chase for non-Chase Bank ATMs waived per month.
• Sapphire Checking customers pay no fees for ATM use worldwide, including non-Chase ATMs.

Overdraft Fees

Chase’s overdraft fee is $34 per item, which is more than the average fee of $29.80 across the country.

As long as you go overdrawn by less than $50, you won’t get charged the fee.

No more than three overdraft fees can be charged to a customer per day.

Overdraft fees are not charged for Chase’s Secure Banking account because overdraft services are not available for this account and will be declined. The only fee that people with a Secure Banking account have to pay is a $4.95 fee every month.

Wire Transfer Fees

Here’s how the wire transfer fees with Chase break down:

Type of Transfer	Fee
Outgoing domestic transfer with help from Chase banker	$35
Outgoing domestic transfer online or on app	$25
Outgoing international transfer for consumer with help from Chase banker	$50 (regardless of currency type)
Outgoing international transfer for consumer online or on app (if sent in U.S. dollars)	$40
Outgoing international transfer for consumer online or on app (if sent in foreign currency)	$0 if transfer amount is $5,000 or more; $5 if transfer amount is less than $5,000

Chase Checking Promotions And Bonus Offers

Chase is one of many banks that often give cash bonuses to people who open new deposit accounts.

New customers who open a Chase Total Checking account can usually get a bonus. You can open an account online or in a branch. See the current offer below:

Customers who have had a Chase checking account in the last 90 days or who had an account closed with a negative balance in the last three years are not eligible.

Customers can only get a bonus for opening a new account once every two years from the date they signed up.

Here are some more Chase offers:

Read more: See the best Chase bank promotions…

Chase Checking Account Alternatives

People who aren’t sure if Chase is the right bank for them have a lot of choices. Other big banks have accounts with similar features

If a higher yield is more important to you than access to branches, you might be better off with an online bank/banking provider. See several options on our best free checking accounts list.

You could also think about a credit union if you meet the requirements to join. See the best high yield checking accounts here.

Bottom Line

Whether you’re a first-time bank user or a seasoned pro, Chase Bank has something for everyone. Their checking accounts come with features to help you get the most out of your finances.

Chase offers a variety of different checking accounts, so you can choose one that’s right for your lifestyle and budget.

If you ever have any questions or concerns about your account, Chase Bank customer service is available by phone and email 24/7.

Read more: See the Chase business checking offer…

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.