Chase College Checking℠ Account Bonus: $100 Sign-Up Offer

The Chase College Checking^SM account is designed for undergraduate students who are money conscious, have simple financial needs, and prefer to do their banking online.

Here’s all you need to know about this account’s features.

*See the best Student Checking Accounts compared. For students age 6-17, consider the Chase First Banking℠ offer.

Current Chase College Checking^SM Promotions?

Chase College Checking^℠ $100 Bonus (Targeted)

• What you’ll get: $100 bonus. This offer is being targeted by Chase via email and ads.
• Where it’s available: Available nationwide
• How to earn it:
  • Open a new Chase College Checking^SM account, which is subject to approval; AND
  • Complete at least 10 qualifying transactions within 60 days of account opening.
  • After you have completed all the above requirements and the 10 qualifying transactions have posted to your account, they’ll deposit the bonus into your new account within 10 business days.
• When it expires: 4/20/2022

The information for the Chase College Checking^SM account has been collected independently by MoneysMyLife. The product details on this page have not been reviewed or provided by the bank.

*See all the current non-student Chase offers here

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Chase College Checking^SM Features

• Eligibility. First thing’s first. You can open a Chase College Checking℠ account if you’re between the ages of 17 and 24, and if you provide proof of your college student status.
  • If one of the above does not apply to you, then move along. This account is not for you.
• Minimum Deposit Requirements. There is no minimum deposit requirement.
• Transaction Limits. You’re free to spend or save as much as you want. There are no transaction limits or other restrictions on your account (as long as your balance remains positive and you abide by the terms and restrictions, of course).
• Online Billpay. This billpay feature is built into Chase’s mobile app (mentioned above), so you can pay bills once, or on a recurring basis, at any time, from anywhere.
• Chase QuickPay with Zelle. This free P2P payment service is Chase’s answer to Venmo and Square Cash. Pay friends and people you know without having to write a check or making a trip to the ATM. It’s great for when you owe cash to someone who paid for a taxi ride or concert tickets.

• Mobile Check Deposit. Chase makes it easy with its state-of-the art mobile app. All you have to do is take a photo of the front and back of the endorsed check and follow the user-friendly prompts to deposit it without hitting up an ATM or walking into a branch.
• Text Banking. Use simple text commands 24/7 to complete a variety of banking tasks, like balancing checks.
• Customer Support. If you have any questions, it’s easy to reach Chase. You can hit them up online, or via phone, 24/7.

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The Fees

• The Monthly Maintenance Fee of $6 is waived with one of the following:
  • for up to 5 years until you graduate.
  • have an electronic deposit made into this account, such as a payment from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third party services that facilitate payment to your debit card using Visa or Mastercard network; OR,
  • if you maintain a $5,000 ending day balance in your account
• There is a $2.50 fee per withdrawal for non-Chase ATM withdrawals in the U.S., Puerto Rico, and the U.S. Virgin Islands. The fee is doubled per withdrawal outside the U.S. and major territories.
• For NSF (Non-Sufficient Funds) transactions that put you in the red of $5 or more, the fee is $34 per item, with a daily limit of three items. If your account is overdrawn for more than five days in a row, then Chase will smack you with a $15 per day extended overdraft fee (even if it’s under the $5 negative balance threshold). Ouch! For these NSF transactions to go through, you have to sign up with Chase Debit Card Coverage.
• If you lose your card, there’s a replacement fee of $5.
• If transactions are not in U.S. dollar, you can be charged with a 3% currency adjustment fee. This fee might go on top of any other international ATM fees and surcharges levied by Chase, local banks, and ATM operators.

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Chase College Checking^SM Pros & Cons

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Bottom Line

The Chase College Checking℠ account is a great first step to a fiscally responsible path.  It’s a low-cost, low-hassle checking account option for US college students who enjoy the convenience of remote banking. If you’re not going abroad and you’re not looking to make interest on your deposit, then the Chase College Checking℠ is a great choice.

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