Chase Bank is a full-service financial institution with more than 4,700 branches throughout all regions of the U.S. A division of JPMorgan Chase & Co., Chase Bank is the largest U.S. bank in terms of assets.
Chase offers five different checking accounts: Chase Total Checking®, Chase Secure Banking℠, Chase Premier Plus Checking℠, Chase Sapphire Banking and Chase Private Client Checking℠.
Account information and annual percentage yields (APYs) are accurate as of April 4, 2024.*
Chase Total Checking®
Chase Total Checking® is the bank’s most popular account and best for everyday use. While there’s no minimum deposit to open the account, it does have a $12 monthly maintenance fee. Customers can avoid the monthly fee by meeting any of the following requirements:
- Receive a minimum of $500 in monthly electronic deposits
- Maintain a daily balance of $1,500 or more
- Maintain a minimum balance of $5,000 across linked Chase accounts
This account also comes with Overdraft Assist and Zero Liability Protection, along with online and mobile banking.
New customers can often qualify for Chase Bank promotions of $100 or more by opening a new Chase checking account and receiving a certain amount of money via direct deposits within 90 days.
Chase Secure Banking℠
Chase Secure Banking is another basic checking account, but this one has no overdraft fees. Secure Banking also provides fee-free money orders and cashier’s checks along with early access to direct deposits.
Like other Chase checking accounts, there’s no minimum deposit to open this account it does have a maintenance fee of $4.95, which can be waived with electronic deposits made into the account totaling $250 or more during each monthly statement period..
Chase Premier Plus Checking℠
Chase Premier Checking Plus earns negligible 0.01% APY interest and offers a few benefits that aren’t included with more basic accounts.
This account has a $25 monthly maintenance fee, but Chase will waive it if you meet either of two qualifications:
- Maintain an average beginning day balance of at least $15,000 across linked Chase accounts
- Have a linked Chase first mortgage enrolled in automatic payments from your Chase checking account
This account also includes Overdraft Assist, fee-free checks, four free non-Chase ATM transactions per month and the ability to link qualifying Chase accounts without monthly fees.
Chase Sapphire Banking
Customers can enjoy perks beyond interest with the Chase Sapphire Banking account. This account earns 0.01% APY and requires a $25 monthly maintenance fee—which you can only avoid by keeping an average beginning day balance of $75,000 across linked Chase accounts.
In addition to the benefits included with Chase Premier Plus Checking, Chase Sapphire Banking lets customers link up to nine qualifying accounts. The account also provides fee-free wire transfers and worldwide ATM transactions.
Sapphire Banking supports higher limits on Quick Deposit, Zelle, ATM transactions and daily purchases—plus exclusive entertainment benefits like early access to ticket sales. Customers also have access to a dedicated 24/7 customer service line.
Chase Private Client Checking℠
Chase Private Client Checking℠ includes the benefits of lower-tiered Chase checking accounts, such as 0.01% (effective as of 3/22/2024) APY, along with a dedicated team of bankers and advisors to assist customers with wealth management.
This account has a monthly fee of $35, which can be waived by having either of the following:
- Average beginning day balance of $150,000 or more in linked accounts and investments
- A linked Chase Platinum Business Checking℠ account
In addition to including a personalized team of professionals, this account charges no fees for everyday banking and offers higher daily limits on withdrawals and deposits. It also has many other benefits, like access to invitation-only events, a no-fee safe deposit box and free expedited card replacements.
Other Chase Checking Account Products and Services
Along with these basic and premium checking accounts, Chase also offers checking accounts for kids and students, including:
- Chase First Banking℠
- Chase High School Checking
- Chase College Checking℠
Chase also has a suite of checking account options for business owners, including:
