Get a $750 Welcome Deposit for eligible new customers who open an 
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- Chase College Checking℠ Review
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The Chase College CheckingSM account is designed for undergraduate students who are money conscious, have simple financial needs, and prefer to do their banking online. With its ease of use, you can turn your attention to more important matters, like acing a final, claiming an Employee of the Month bonus, and looking good for a hot Tinder date.
Interested? Here’s all you need to know about this account’s features, the good, the bad, and our overall impression.
*See the best Student Checking Accounts compared
Current Chase College CheckingSM Promotions?
 Chase is one of the few banks to offer a bonus opportunity for student Checking accounts, and this $100 promotion is a great one. You can either apply directly online or enter your email address on the offer page to receive a personalized $100 coupon to apply in-branch. This $100 bonus offer expires on 01/17/2019.
APY: N/A Minimum Balance to Open: $25 Monthly Service Fee: $6 NSF Fee: $34 ATM Surcharge: $2.50 (in US), $5 (outside US) |
*See all the current Chase student Checking promotions here and non-student Chase offers here.
MoneysMyLife Top Offer Picks  With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
 Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review  Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.The Barclaycard Arrival® Plus World Elite Mastercard® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full ReviewThe Barclays Arrival® Premier World Elite Mastercard® will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review |
CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. The 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
You have to be the proud owner of $25 and deposit said amount into your brand spankin’ new bank account. Sorry, $24.99 is not gonna cut it.
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.
The Fees
- The Monthly Maintenance Fee of $6 is waived:
- for up to 5 years until you graduate.
- when your account receives a direct deposit at least once in a monthly billing cycle
- 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.
The Good
Low Minimum Deposit Required
- To open, you just need $25!
- After your account is open, you’re welcome to spend some of that deposit.
Easy-to-Waive Monthly Maintenance Fee (see above)
Easy-to-Use & Convenient Chase Mobile App & Quickpay with Zelle, featuring…
- Check deposit
- Online billpay
- P2P transactions
Also Easy-to-Use & Convenient Text Banking
- Ability to balance checks, transfer funds, etc.
- No need to log onto a public WiFi or LTE or getting yourself to an ATM or branch.
No Fee to Access 16,000 Chase ATMs & 5,100 Chase Branches
Branch locations:
The Bad
Checks are Not Free
Instead, pay what you have to online via the Chase Mobile App or Chase QuickPay with Zelle.
International ATM Fee
Planning on studying abroad? Or traveling on a cultural exchange program? With the Chase College Checking℠ account, you’ll be stuck with a $5 fee for each withdrawal from a non-Chase ATM internationally. This does not include ATM operators’ fees.
No Yield on Deposits
Unfortunately, the Chase College Checking℠ is a non-interest bearing account. If you’re looking to make a bit of money while saving money, we suggest you look elsewhere.
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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*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.