Personal Finance Banking Checking Account
Written by Laura Grace Tarpley, CEPF; reviewed by Evelyn He
2024-01-12T17:51:45Z
- Chase Total Checking
- Chase Secure Banking
- Chase Premier Plus Checking
- Chase Sapphire Banking
- Chase Private Client Checking
- Chase Business Complete Checking
- FAQ
- Why You Should Trust Us
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Chase is one of the best national banks out there, and it offers multiple checking accounts. Your best fit could come down to what perks you want and whether you can waive the monthly fee.
Chase is a good option if you're looking for a cash bonus — it offers some of the best best checking account bonuses out there.
Chase Checking Introduction
Overview of Chase Personal Checking Account Offerings
Chase Premier Plus Checking℠ | Chase Sapphire℠ Banking | ||||
| Minimum opening deposit | $0 | $0 | $0 | None | None |
| Interest earned | None | None | 0.01% | 0.01% effective as of 02/24/2022. Interest rates are variable and subject to change | 0.01% as of 03/22/2024 |
| Monthly service fee | $12 monthly service fee; possible to waive | $4.95 monthly service fee;possible to waive | $25 monthly service fee;possible to waive | $25 monthly service fee; possible to waive | $35 monthly service fee; possible to waive |
| Out-of-network ATM fee | $3 to $5 | $3 to $5 | No Chase fee 4 times per month | No Chase fee | No Chase fee |
| Overdraft fees | $34; overdraft protection plans available | None; declines overdrafts | $34; overdraft protection available | No fees on the first 4 overdrafts during the current and previous 12 statement periods | No fees on the first 4 overdrafts during the current and previous 12 statement periods |
| Cash bonus for new customers | $300 | $100 | up to $3,000 |
Chase Checking Account Options
Chase Total Checking
Chase Total Checking®
On Chase's website
Insider’s Rating
3.5/5
Perks
Earn $300 bonus when you open an account and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 07/24/2024)
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
Earn $300 bonus when you open an account using a coupon code and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 07/24/2024)
$300
Pros
- No required opening deposit
- Over 4,700 branches
- $300 sign-up bonus
- Free overdraft protection when you link to savings for automatic transfers
Cons
- $12 monthly fee unless you meet direct deposit or minimum balance requirements
- Fees for non-Chase ATMs
- $34 overdraft and non-sufficient funds fees (no fee if you're overdrawn by $50 or less at the end of the business day)
Insider’s Take
There are several Chase checking accounts, and Chase Total Checking® is the bank's most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $300 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase's other options could be a better fit.
Chase Total Checking review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Total Checking is a good option if you want a basic checking account, because it's easy to waive the $12 monthly service fee. You just have to electronically deposit $500 per month, start each day with a $1,500 balance, or maintain a daily average balance of $5,000 in all of your Chase accounts. You also may qualify for a $300 bonus.
Chase Total Checking Review
Chase Secure Banking
Chase Secure Banking℠
On Chase's website
Insider’s Rating
3.75/5
Perks
Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 7/24/2024)
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 7/24/2024)
$100
Pros
- No minimum opening deposit
- No overdraft fees
- Free money orders and cashier's checks
- Early direct deposit (up to 2 days early)
- $100 bonus
Cons
- $4.95 monthly service fee
- No overdraft protection
- Fees for non-Chase ATM
- Does not include paper checks
- No wire transfers to or from this account with qualifying transactions
Insider’s Take
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn't matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Chase Secure Banking℠ review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions.
- Open online or at any Chase branch. Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
You can waive the monthly fee on your Chase Secure Banking account with qualifying activities, but the $4.95 monthly service fee charge is relatively low and you won't have to worry about overdraft fees.
You might like this account if you're unable to waive the $12 monthly service fee with Chase Total Checking. You can also earn a bonus of $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 7/24/2024).
Chase Secure Banking Review
Chase Premier Plus Checking
Chase Premier Plus Checking℠
Start banking
Chase Bank, Member FDIC
Insider’s Rating
4/5
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$0
Pros
- No required opening deposit
- Over 4,700 branches
- Four waived out-of-network fees per month
- Free Chase design checks, cashier's checks, and money orders
- Waive monthly fees on 2 other Chase checking accounts when linked to this account, and to Chase savings accounts excluding Chase Private Client Savings
- Possible to waive monthly service fee
- Enroll in free overdraft protection that moves money from savings to checking
- Chase Overdraft Assist lets you overdraw by up to $50 without paying a fee
Cons
- $25 monthly fee unless you qualify to waive it
- $3 fee for out-of-network ATMs
- $34 overdraft and non-sufficient funds fees
- Doesn't refund any fees charged by out-of-network ATMs
Chase Premier Plus Checking℠ review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The $25 monthly service fee is waived when you have an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account OR for current servicemembers and veterans of the U.S. Armed Forces with a qualifying military ID
- No Chase fee on first four non-Chase ATM transactions per statement period
- Earn interest on your checking account balance
- Access to 15,000 Chase ATMs and over 4,700 branches
- Open your account online now
- Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com.
You get more perks with Chase Premier Plus Checking℠, including four waived out-of-network ATM fees each month.
However, you'll pay a $25 monthly service fee if you don't qualify to waive the fee. There's no cash bonus.
Chase Premier Plus Checking Review
Chase Sapphire Banking
Chase Sapphire℠ Banking
Start banking
JPMorgan Chase Bank, FDIC Insured
Insider’s Rating
4.25/5
Fees
$25 monthly service fee
Annual Percentage Yield (APY)
0.01% effective as of 02/24/2022. Interest rates are variable and subject to change
Minimum Opening Deposit
None
Pros
- No required opening deposit
- Over 4,700 branches
- No out-of-network ATM fees worldwide
- Unlimited out-of-network ATM fee reimbursem*nts
- No foreign exchange rate adjustment fees
- No incoming or outgoing wire transfer fees
- No stop payment fees
- No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods, combined
- Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Banking (excluding Chase Private Client Checking and Savings)
- Enroll in free overdraft protection to move money from savings to checking
- Overdraft Assist lets you overdraw by up to $50 without charging a fee
- Exclusive entertainment and sports event benefits
Cons
- $25 monthly fee unless you have a combined $75,000 in Chase Sapphire and other qualified Chase accounts
- $34 overdraft and non-sufficient funds fees
Chase Sapphire℠ Banking review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- The information related to the Chase Sapphire℠ Banking has been collected by Business Insider and has not been reviewed by the issuer
- Access to 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Waive $25 monthly service fee by maintaining an average daily balance of $75,000 combined in all of your Chase bank accounts and partner investment accounts
Chase Sapphire℠ Banking comes with many of the same benefits as Premier Plus Checking, plus waived foreign transaction and wire transfer fees. You'll need $75,000 in all of your Chase and partner accounts to waive the $25 monthly service fee, though. There's also no cash bonus with this account.
Chase Sapphire Checking Review
Chase Private Client Checking Account
Chase Private Client Checking℠
On Chase's website
Insider’s Rating
4.25/5
Perks
Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account, transfer qualifying funds into a combination of eligible accounts within the first 45 days, and maintain your new money balance for at least 90 days from opening the account (offer expires 7/24/2024). Earn $1,000 when you deposit $150,000 - $249,999, earn $2,000 when you deposit $250,000 - $499,999, or earn $3,000 when you deposit $500,000 or more.
Fees
$35 monthly service fee
Annual Percentage Yield (APY)
The Annual Percentage Yield (APY), for Chase Private Client Checking℠ effective as of 3/22/2024 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.
0.01% as of 03/22/2024
Minimum Opening Deposit
None
Bonus
Earn up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account, transfer qualifying funds into a combination of eligible accounts within the first 45 days, and maintain your new money balance for at least 90 days from opening the account (offer expires 7/24/2024). Earn $1,000 when you deposit $150,000 - $249,999, earn $2,000 when you deposit $250,000 - $499,999, or earn $3,000 when you deposit $500,000 or more.
up to $3,000
Pros
- Earn up to $3,000 cash bonus
- No foreign exchange rate adjustment fees
- Unlimited out-of-network ATM fee refunds
- No fees on the first 4 overdrafts during the current and previous 12 statement periods
- No incoming or outgoing wire transfer fees
- Higher deposit and withdrawal limits than other Chase checking accounts
- Free personalized checks
- Access to a Chase Private Banker
- Access to a Business Relationship Manager
- Access to exclusive offers on sport and entertainment events
- Discounts on home and auto loans
Cons
- You must have $150,000 in this account and any eligible linked Chase bank and investment accounts to qualify
- $35 monthly service fee, unless you qualify to waive it
- $34 overdraft and non-sufficient funds fees
Insider’s Take
Chase Private Client Checking℠ could be a good fit if you want access to a Chase Private Banker, Business Relationship Manager, and discounts on auto and home loans. But if you don't have at least $150,000 in a combination of your accounts, you won't qualify to open an account or to waive the monthly fee.
Chase Private Client Checking℠ review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client CheckingSM account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDepositSM limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
Chase Private Client Checking℠ includes many of the same perks as Sapphire Banking, plus access to a private banker for customized service and exclusive events. You'll also have a Business Relationship Manager, which is useful if you're a business owner. You may qualify for a bonus of up to up to $3,000.
To waive the $35 monthly service fee, you'll need $150,000 in all of your Chase and partner accounts.
Chase Private Client Checking Review
Chase Business Complete Checking
Chase Business Complete Checking
On Chase's site. JPMorgan Chase Bank, FDIC Insured
Insider’s Rating
3/5
Perks
Earn a $300 bonus after completing qualifying activities including total deposits of at least $2,000 (offer expires 7/21/2024)
Fees
$15 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
To earn a $300 bonus, deposit at least $2,000 of new money within 30 days of opening the account, maintain your new money balance in the account for at least 60 days after opening the account, and complete five qualifying transactions within the first 90 day (offer expires 7/21/2024)
$300
Pros
- No minimum opening deposit
- Unlimited monthly debit card transactions
- 20 free transactions made with checks or a bank teller each month
- Possible to waive the monthly service fee
- Large free ATM network
Cons
- $15 monthly service fee
- Fee for using out-of-network ATMs
- After the 20-transaction limit, you'll pay $0.40 per transaction with a bank teller and for checks
Insider’s Take
Chase Business Complete Checking could be worthwhile if you're a small business owner who wants to open an account with one of the best national banks. This business checking account is also a solid option if you're a new customer who qualifies for a cash bonus. Other financial institutions will probably be more suitable if you prefer opening a free business checking account, though.
Chase Business Complete Checking review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Around 4,700 branches in 48 US states and Washington, DC
- Access to 16,000 free ATMs
- Deposit $5,000 in cash for free per statement cycle
- Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink Business credit card.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Member FDIC
Chase Business Complete Checking is the bank's small business checking account. There's a $15 monthly service fee, but Chase offers several ways to waive it. You may be eligible for a cash bonus of $300.
Chase Business Checking Review
Chase Checking Account Pros and Cons
| Pros | Cons |
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Chase Checking FAQs
Does Chase have checking account bonuses?
Yes, Chase has checking account bonuses for Chase Total Checking, Chase Secure Banking, Chase Private Client Checking, and Chase Complete Business Checking.
Is Chase a good bank for a checking account?
Chase can be a good place to open a checking account if you qualify to waive the monthly fee with an account that meets your needs. If you can't waive the fee but want a free checking account, you may be better off banking elsewhere.
What is the best checking account at Chase?
Chase has several types of checking accounts, but Chase Total is the best checking account for most customers, because it's relatively easy to waive the monthly fee. The account also has lenient requirements to earn a $300 bonus. But the best account will depend on your exact needs.
Is Chase checking customer service good?
Chase has strong customer service overall. You can call an agent 24/7, and it ranks second in the J.D. Power 2023 National Banking Satisfaction Study.
Does Chase have a free checking account?
Chase does not have a free checking account, but Chase Total Checking makes it easy to waive the monthly service fee. You just need to do one of the following each month: electronically deposit $500, start each day with a $1,500 balance, or have $5,000 in all of your Chase accounts combined.
What is the minimum amount for a Chase checking account?
You don't need any money to open a Chase checking account. You will need to keep a minimum balance to waive the monthly fee on most accounts, though.
Why You Should Trust Us: How We Reviewed Chase Checking Accounts
We rated Chase checking accounts using Insider's bank account methodology. We rate each checking account from zero to five, based on seven categories: ethics, customer service, mobile app, minimum opening deposit, monthly service fees, overdraft fees, and ATM network/fees. See what top checking accounts made our list.
Personal Finance Reviews Editor
Laura Grace Tarpley (she/her) is a senior editor at Personal Finance Insider. She oversees coverage about mortgage rates, refinance rates, lenders, bank accounts, and borrowing and savings tips for Personal Finance Insider. She was a writer and editor for Business Insider's "The Road to Home" series, which won a Silver award from the National Associate of Real Estate Editors. She is also a Certified Educator in Personal Finance (CEPF).She has written about personal finance for over seven years. Before joining the Business Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU. You can reach Laura Grace at ltarpley@businessinsider.com.
Compliance and Operations Associate
Evelyn He is a compliance and operations associate at Business Insider who supports the Personal Finance Insider team. Personal Finance Insider is Business Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Business Insider readers already know and love.The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.Before joining Business Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries.Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst.Outside of work, she enjoys spending time with her 15-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.
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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
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