Chase Secure Banking $175 Bonus: College, Young Adult & Value Banking [Nationwide]

Chase Secure Banking^SM is a simple checking account with no overdraft fees, no minimum deposit to open, and a $175 bonus for eligible new Chase banking customers.

What makes the account especially interesting is that Chase is now highlighting it for three different types of customers: College students, Young Adults, and customers looking for a simple, lower-cost checking option.

All three are the same Chase Secure Banking^SM account and $175 offer—the difference is which benefits may matter most to you.

While the bonus is smaller than offers like the $400 Chase Total Checking^® bonus, Chase Secure Banking^SM is designed for people who want simple banking without worrying about overdraft charges or minimum balance requirements.

Below, we’ll break down how to earn the $175 bonus, account features, and whether Chase Secure Banking^SM is worth opening.

Want the best bank bonuses nationwide? Check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!

Chase Secure Banking^SM $175 Bonus

New Chase banking customers can earn a $175 checking account bonus when opening a Chase Secure Banking^SM account and completing qualifying transactions.

Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDepositSM, or online bill payments.

Once you’ve completed the required qualifying transactions, the bonus should appear in your account within 15 days.

Chase Secure Banking^SM At a Glance

• Bonus: $175
• Minimum deposit to open: $0
• Monthly Service Fee: $4.95 or $0 when you meet one of the qualifying requirements
• Age 17–24: $0 Monthly Service Fee
• Qualifying electronic deposits: $0 Monthly Service Fee with $250+ during each monthly statement period
• Overdraft fee: $0
• Early direct deposit: Get paid up to two business days early when eligible
• FDIC insured: Yes

Three Ways Chase Secure Banking^SM Can Fit Your Needs

Chase is highlighting Secure Banking^SM for three key audiences: College students, Young Adults, and Value-focused customers. Here’s what stands out for each group.

1. College Students

Chase Secure Banking^SM can be an especially good starter checking account for college students.

Customers ages 17–24 pay a $0 Monthly Service Fee, which means many traditional college-age students can use the account without worrying about meeting a balance requirement.

Here are all the useful college features:

• Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking^SM account with qualifying transactions. Open online or at any Chase branch.
• $0 Monthly Service Fee for customers ages 17-24.
• A great checking account for students to help make the most of college.
• Receive international wire transfers to your Chase Secure BankingSM account, multiple currency options available. Fees apply.
• Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app.
• Pay bills, cash checks and send or receive money fast with Zelle^® with a Chase Secure Banking^SM account.
• Start banking with confidence – no minimum deposit to open an account and no overdraft fees.
• Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking^SM we’ll reimburse you for charges you didn’t make.
• Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking^SM customers.
• JPMorgan Chase Bank, N.A. Member FDIC.

For students managing their own money for the first time, the combination of $0 Monthly Service Fee for ages 17–24 and no overdraft fees makes Chase Secure BankingSM worth considering.

2. Young Adults Ages 18–24

Chase is also positioning Secure Banking^SM for young adults who are starting to manage their finances independently.

The biggest benefit is simple: customers ages 17–24 pay a $0 Monthly Service Fee.

Young adults get:

• Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking^SM account with qualifying transactions. Open online or at any Chase branch.
• $0 Monthly Service Fee for customers ages 17-24.
• A great checking account for students to help make the most of college.
• Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app.
• Pay bills, cash checks and send or receive money fast with Zelle^® with a Chase Secure Banking^SM account.
• Start banking with confidence – no minimum deposit to open an account and no overdraft fees.
• Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking^SM we’ll reimburse you for charges you didn’t make.
• Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking^SM customers.
• JPMorgan Chase Bank, N.A. Member FDIC.

This makes Secure BankingSM an appealing first checking account for someone leaving home, starting college, beginning a first job, or simply wanting an account that’s difficult to accidentally overdraw.

3. Value-Focused Banking

You don’t have to be a student or young adult to consider Chase Secure Banking^SM.

The account also makes sense for people who prioritize simple fees, no overdraft charges, and easy digital money management.

Some of the most useful value features include:

• Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking^SM account with qualifying transactions. Open online or at any Chase branch.
• Bank with confidence — no minimum deposit to open an account and no overdraft fees.
• Secure Banking customers told us they save an average of over $40 per month on fees after opening their account.
• $0 Monthly Service Fee for customers ages 17-24.
• Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking^SM customers.
• With Chase Credit Journey^®, help build and improve your credit with a personalized improvement plan provided by Experian.
• Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app.
• Manage your spending with Spending Planner and get daily spending insights in the Chase Mobile^® app.
• JPMorgan Chase Bank, N.A. Member FDIC.

Chase says Secure Banking customers reported saving an average of over $40 per month on fees after opening their account.

For someone who has been hit with overdraft fees in the past or simply wants a more predictable checking account, those features may be more important than earning interest or having paper checks.

Which Chase Secure Banking^SM Segment Fits You?

College: Best suited to students who want a straightforward checking account for managing school and everyday expenses.

Young Adult: Best suited to ages 18–24 who are starting to manage money independently and can take advantage of the $0 Monthly Service Fee available to customers ages 17–24.

Value: Best suited to customers of any age who prioritize no overdraft fees, no minimum opening deposit, early direct deposit, and straightforward digital banking.

Importantly, these aren’t three separate Chase Secure BankingSM accounts. They’re different ways of looking at the same account and the same $175 new-customer offer.

Why the Age 17–24 Benefit Is a Big Deal

One of the strongest features of Chase Secure BankingSM is the $0 Monthly Service Fee for customers ages 17–24.

Normally, Chase Secure BankingSM has a $4.95 Monthly Service Fee. You can get that fee down to $0 when you have one of the following during each monthly statement period:

• $250+ in qualifying electronic deposits; OR
• An account owner who is age 17–24.

That means a college student or young adult within the age range doesn’t have to worry about meeting a monthly direct-deposit requirement just to avoid the Monthly Service Fee.

Who Should Consider Chase Secure Banking^SM?

Chase Secure Banking^SM is particularly compelling if you:

• Are a college student looking for your first checking account
• Are age 17–24 and want a $0 Monthly Service Fee
• Want to avoid overdraft fees
• Don’t want a minimum deposit requirement to open an account
• Like the convenience of Chase’s mobile banking tools
• Want access to Zelle®, mobile check deposit, and online bill pay
• Would benefit from receiving eligible direct deposits up to two business days early
• Prefer predictable banking costs

My Take on Chase Secure Banking^SM

The new College, Young Adult, and Value positioning makes it easier to see who Chase Secure Banking^SM is really designed for.

I think the account is particularly attractive for college students and young adults ages 17–24 because they can get the Monthly Service Fee down to $0 without having to meet the $250 qualifying electronic deposit requirement.

For everyone else, the value proposition is different. You’re getting an account built around no overdraft fees, no minimum deposit to open, early direct deposit eligibility, and Chase’s digital banking ecosystem.

The $175 new-customer bonus makes the account even more attractive if you’re already looking for a simple checking account.

The Bottom Line

Chase Secure Banking^SM isn’t just a student checking account. It’s a straightforward checking option that Chase is now highlighting for College students, Young Adults, and Value-focused customers.

College students and younger customers benefit most from the $0 Monthly Service Fee for ages 17–24, while other customers may find value in the account’s no overdraft fees, $0 minimum opening deposit, early direct deposit, and money-management tools.

And for eligible new Chase banking customers, the $175 bonus gives you another reason to consider opening the account.