Chase Checking Account Basics
Chase offers various checking accounts for customers to choose from, organized into three categories: everyday accounts, premium accounts and accounts for kids and students. Several Chase business checking accounts are also available.
Checking accounts from Chase have no minimum deposit requirements, but they do carry monthly fees. However, fees can be waived by meeting specific requirements.
Several of Chase’s checking accounts currently offer a bonus for individuals who open a new account and complete a qualifying action. Check out the current Chase bank promotions to learn how much you could earn when opening a new Chase account.
Chase Everyday Checking Accounts
Chase offers three everyday accounts: Chase Total Checking, Chase Secure Banking and Chase Premier Plus Checking.
| ACCOUNT | ANNUAL PERCENTAGE YIELD (APY) | MONTHLY FEE |
|---|---|---|
| Chase Total Checking® | N/A | $15 (waivable) |
| Chase Secure Banking℠ | N/A | $4.95 (waivable) |
| Chase Premier Plus Checking℠ | 0.01% | $25 (waivable) |
Chase Total Checking®
The Chase Total Checking account is Chase’s most popular checking option and carries a monthly fee of $15.
To avoid the fee, account holders must do one of the following each month:
- Receive electronic deposits totaling $500 or more
- Have a balance of $1,500 or more at the beginning of each day
- Have an average beginning-day balance of $5,000 or more across this and linked qualifying accounts
Chase Total Checking® rates and details are accurate as of 07/07/2025.
Earn $300
Chase Total Checking®
Offer
Earn $300*
Expiration
October 15, 2025
Monthly Maintenance Fee
Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
OR a balance at the beginning of each day of $1,500 or more in this account,
OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
$15
Earn $300*
October 15, 2025
Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
OR a balance at the beginning of each day of $1,500 or more in this account,
OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
$15
Chase Secure Banking℠
The Chase Secure Banking account is an everyday checking account that offers an early direct deposit feature, allowing you to get paid up to two business days sooner.
To avoid the account’s $4.95 monthly fee, account holders must receive qualifying electronic deposits totaling $250 or more per statement period.
Chase Secure Banking℠ rates and details are accurate as of 07/07/2025.
Earn $100
Chase Secure Banking℠
Offer
Earn $100*
Annual Percentage Yield
N/A
Monthly Maintenance Fee
$4.95 or $0
Earn $100*
N/A
$4.95 or $0
Chase Premier Plus Checking℠
The Chase Premier Plus Checking account has a higher monthly fee than Chase’s other everyday accounts, but offers additional features. These perks include no fees on the first four non-Chase ATM transactions each statement period and no fees on eligible linked accounts, including additional personal Chase checking and savings accounts.
The account’s monthly service fee of $25 can be waived by doing one of the following each monthly statement period:
- Have an average beginning-day balance of $15,000 or more in any combination of this account and linked qualifying accounts
- Have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account
- Be a current servicemember or veteran of the U.S. Armed Forces with a qualifying military ID
The account also earns interest, although at a negligible rate of 0.01% annual percentage yield (APY).
Chase Premier Plus Checking℠ rates and details are accurate as of 08/12/2025.
Chase Premium Checking Accounts
Chase also offers two premium checking accounts, Chase Private Client Checking and Chase Sapphire Checking, which include added features.
| ACCOUNT | APY | MONTHLY FEE |
|---|---|---|
| Chase Sapphire Banking | 0.01% | $25 (waivable) |
| Chase Private Client Checking℠ | 0.01% | $35 (waivable) |
Chase Sapphire Banking
The Chase Sapphire Checking account provides several benefits not available with Chase’s everyday checking accounts.
The account waives all out-of-network ATM fees as well as incoming and outgoing wire transfer fees. It also waives overdraft fees up to four days a year. With this account, you’ll also be able to earn Premier relationship rates when you link a Chase Premier Savings account and make at least five customer-initiated transactions with your checking account in a monthly statement period.
To avoid the account’s $25 monthly fee, account holders must have an average beginning-day balance of $75,000 or more between this account and linked qualifying accounts.
Chase Sapphire Banking rates and details are accurate as of 08/12/2025.
Chase Private Client Checking℠
The Chase Private Client Checking account charges a $35 monthly fee that can be avoided by meeting one of the following criteria:
- Have a $150,000 average beginning-day balance across this and linked accounts
- Link a Chase Platinum Business Checking account
Like the Chase Sapphire account, the Chase Private Client Checking account waives out-of-network ATM fees, wire transfer fees and overdraft fees up to four days a year. Both accounts also offer higher daily purchase limits and ATM withdrawal limits.
Other features of the account include discounted rates on home and auto loans, access to a Chase Private Client banker, access to CD ladders and exclusive sports and entertainment benefits.
Chase Private Client Checking℠ rates and details are accurate as of 07/07/2025.
Chase Private Client Checking℠
Offer
Earn up to $3,000
Expiration
October 15, 2025
Monthly Maintenance Fee
$35
Earn up to $3,000
October 15, 2025
$35
Chase Student and Kid Checking Accounts
Chase offers three free checking accounts for children and students: Chase First Banking, Chase High School Checking and Chase College Checking.
| ACCOUNT | APY | MONTHLY FEE |
|---|---|---|
| Chase First Banking℠ | N/A | $0 |
| Chase High School Checking℠ | N/A | $0 |
| Chase College Checking℠ | N/A | $0 (until graduation), $15 thereafter |
Chase First Banking℠
Individuals with a qualifying Chase checking account can open a Chase First Banking account for their child. The account is designed for children ages six to 12, but is open to kids up to age 17.
The account offers a range of features to help kids learn about the basics of money management. Parents have complete control over the account and can assign chores, receive account alerts, create allowances and choose where and how much their child can spend or withdraw.
Kids can use their debit card at stores, online or to withdraw funds from ATMs. They can also set savings goals and track their balances and transactions within the Chase app.
Chase High School Checking℠
Teens ages 13 to 17 can co-own a Chase High School Checking account with a parent or guardian, who must have a linked personal Chase checking account.
The Chase High School Checking account allows kids to transfer money with Zelle and to receive direct deposits. This account can only be opened in person at a Chase bank.
Chase College Checking℠
The Chase College Checking account is available for students ages 17 to 24 who are enrolled in college or a vocational, technical or trade school. The account has no monthly service fee up to the graduation date provided at account opening (five years maximum).
Account holders can send payments with Zelle, set up automatic savings and build their credit with a personalized plan through Chase Credit Journey.
Chase Customer Service and Accessibility
Customer service for personal banking products can be reached by calling 1-800-935-9935 or by sending a message in the Chase mobile app. Chase Sapphire and Chase Private Client customers have access to dedicated 24/7 support lines. You can also visit one of thousands of Chase branches for in-person assistance.
If you prefer on-the-go banking, you can use Chase’s mobile app, which is available for both iOS and Android users and currently has high ratings. The app allows you to send and receive money, review account activity, access budgeting and savings tools and more.
Find The Best Checking Accounts Of 2025
Chase Checking Account Fees
All of Chase’s checking accounts, except for its student accounts, charge a waivable monthly fee. There are also several additional fees associated with each account, which we’ve highlighted in the table below.
| ACCOUNT FEES | CHASE TOTAL CHECKING | CHASE SECURE BANKING | CHASE PREMIER PLUS CHECKING | CHASE SAPPHIRE BANKING | CHASE PRIVATE CLIENT CHECKING |
|---|---|---|---|---|---|
| Monthly service fee | $15 | $4.95 | $25 | $25 | $35 |
| Non-Chase ATM fees | $3 | $3 | $0 to $3 | $0 | $0 |
| Foreign Exchange Rate Adjustment | 3% | 3% | 3% | $0 | $0 |
| Non-ATM cash fees | 3% or $5 | 3% or $5 | 3% or $5 | $0 | $0 |
| Card replacement rush fee | $5 | $5 | $5 | $0 | $0 |
| Overdraft fees | $34 | $34 | $34 | $0;restrictions apply | $0;restrictions apply |
| Domestic and international incoming wire fees | $0 to $15 | $0 to $15 | $0 to $15 | $0 | $0 |
| Domestic wire fees | $35 | $35 | $35 | $0 | $0 |
| Online domestic wire fees | $25 | $25 | $25 | $0 | $0 |
| Consumer USD/FX international wire fees | $50 | $50 | $50 | $0 | $0 |
| Consumer online USD international wire fees | $40 | $40 | $40 | $0 | $0 |
| Consumer online FX international wire fees | $0 to $5 | $0 to $5 | $0 to $5 | $0 | $0 |
| Stop payment fees | $30 | $30 | $30 | $0 | $0 |
| Online or automated phone stop payment fees | $25 | $25 | $25 | $0 | $0 |
| Order for checks or supplies fees | Varies | Varies | Varies | Varies | Varies |
| Counter check fees | $3 per page | $3 per page | $3 per page | $0 | $0 |
| Money order fees | $5 per check | $0 | $0 | $0 | $0 |
| Cashier’s check fees | $10 per check | $0 | $0 | $0 | $0 |
| Legal processing fees | Up to $100 per order | Up to $100 per order | Up to $100 per order | $0 | $0 |
How Chase Checking Stacks Up
If you’re looking for a full-service bank with an extensive number of branches, Chase may be right for you. As the largest bank in the nation, Chase has about 5,000 branches and a network of over 15,000 ATMs.
However, if you’re willing to sacrifice branch access to avoid monthly fees and earn an elevated APY, you should consider alternatives to Chase. Almost all of Chase’s checking and savings accounts charge monthly fees and, like accounts from other large national banks, earn lower-than-average APYs. Typically, online checking accounts offer higher rates and have fewer fees.
Here’s a closer look at how Chase’s most popular checking account, Chase Total Checking, stacks up against a few competitors:
| ACCOUNT | MONTHLY FEE | MINIMUM DEPOSIT REQUIREMENT | APY |
|---|---|---|---|
| Chase Total Checking® | $15 (waivable) | $0 | N/A |
| Ally Bank Spending Account | $0 | $0 | 0.10% annual percentage yield (APY) on checking accounts with less than a $15,000 minimum daily balance, and 0.25% APY for accounts with minimum daily balances of $15,000 or more |
| SoFi Checking and Savings Account | $0² | $0 | 0.50%¹ (Checking) |
| NBKC Bank Everything Account | $0 | $0 | 1.75% |
1SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
2SoFi does not charge any account, service or maintenance fees for SoFi Checking and Savings. SoFi does charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
Frequently Asked Questions (FAQs)
Is Chase Bank FDIC insured?
Yes. Deposits at Chase are FDIC insured up to $250,000 per depositor, per ownership category.
Do I need a Chase checking account for a credit card?
No, a Chase checking account is not required to open a Chase credit card.
How do you close a Chase checking account?
You can close your Chase checking account online, over the phone or in person. Before closing, you should transfer out all remaining funds and cancel any automatic payments linked to the account.
Can I add someone to my Chase checking account?
Yes, you can add a joint owner to your Chase checking account. To do so, you and the new joint owner must visit a Chase branch together and bring two forms of valid identification.
