Chase Checking Accounts: Compare & Apply Today (2024)

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See for more information.

Same page link returns to footnote reference 1Surcharge Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee from Chase may apply for ATM withdrawals in a currency other than U.S. dollars.

Same page link returns to footnote reference 2New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Same page link returns to footnote reference 3Chase Online Bill Pay: Must enroll in Chase OnlineSMBanking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

Same page link returns to footnote reference 4Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.

Only send money to people and businesses you trust. Neither Chase nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Same page link returns to footnote reference 5With Chase Overdraft AssistSM, we won't charge an Overdraft Fee 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Same page link returns to footnote reference 6We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with anegative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (likewhen you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.

Same page link returns to footnote reference 7For Chase Secure CheckingSM only: Early direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions.

Same page link returns to footnote reference 8Account must be linked to the checking account for No Monthly Service Fee.

Same page link returns to footnote reference 9When ordered through Chase. Fees may apply for certain other supplies and expedited shipping options.

Checking Text Message Program: Message and data rates may apply. For Help call 1-800-935-9935. Reply STOP to 40107 to no longer receive Chase Checking text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages.

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations.

JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender.

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See for more information.

Same page link returns to footnote reference 1For parents/guardians interested in teaching their child how to manage money using a debit card with the child's name on it. The parent/guardian is the owner of this account and must have an online profile and one of these other checking accounts at account opening: a Chase Secure CheckingSM, Chase Total Checking®, Chase Premier Plus CheckingSM, Chase SapphireSM Checking, or a Chase Private Client CheckingSM account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. To promote parental controls and guardrails, only the parent/guardian who opened the account can fund, or manage it. You can open a Chase First Checking account for your child who is 6-17 years old. Once the child has reached the age of 18, Chase may recommend they open their own account.

Same page link returns to footnote reference 2For students 13 to 17 years old at account opening with their parent/guardian as a co-owner and the account must be linked to the parent/guardian’s personal checking account. Linked accounts exclude Chase High School CheckingSM, Chase College CheckingSM, Chase Secure CheckingSM and Chase First CheckingSM.

Same page link returns to footnote reference 3For students 17 to 24 years old at account opening, enrolled in college or a vocational, technical or trade school. Proof of student status may be required.

Same page link returns to footnote reference 4New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Same page link returns to footnote reference 5Account Alerts: There is no charge from Chase, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions or checks you have written.

Same page link returns to footnote reference 6Chase Online Bill Pay: Must enroll in Chase OnlineSMBanking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

Same page link returns to footnote reference 7Chase OnlineSM Banking services unavailable with Chase First Banking: Zelle®, Chase QuickDepositSM, direct deposit, Chase overdraft services, check writing, check deposits, ATM/cash deposits, Online Bill Pay, wire transfers (incoming or outgoing) and ACH transactions (deposits and withdrawals). We also may prohibit certain transaction types. This includes, but is not limited to, purchasing official checks and other monetary instruments, withdrawing cash from a banker at a branch or merchants, paying for rentals (e.g., cars, equipment, furniture) and funding gambling-related activities. Certain restrictions and other limitations may apply.

Same page link returns to footnote reference 8Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.

Only send money to people and businesses you trust. Neither Chase nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Same page link returns to footnote reference 9Chase Mobile® app is available for select mobile devices. Enroll in Chase OnlineSM or on the Chase Mobile app. Chase QuickDepositSM is subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile app for eligible mobile devices, limitations, terms, conditions and details. Message and data rates may apply.

Same page link returns to footnote reference 10Account must be linked to the checking account for No Monthly Service Fee.

Same page link returns to footnote reference 11With Chase Overdraft AssistSM, we won't charge an Overdraft Fee 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Checking Text Message Program: Message and data rates may apply. For Help call 1-800-935-9935. Reply STOP to 40107 to no longer receive Chase Checking text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages.

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations.

JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender.

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See for more information.

Same page link returns to footnote reference 1New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Same page link returns to footnote reference 2Chase Online Bill Pay: Must enroll in Chase OnlineSM Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

Same page link returns to footnote reference 3There is no Chase fee at non-Chase ATMs. Chase will refund ATM Surcharge Fees charged by the ATM owner/network. This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these Surcharge Fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund is not processed, please contact us. There is no Foreign Exchange Rate Adjustment Fee when conducting transactions in a foreign currency. If you choose to convert an international transaction to U.S. dollars at either an ATM or on a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from Chase Surcharge Fee reimbursements. The "No Chase Fee" benefit applies based on your account having this benefit when the debit card or ATM transaction is posted on the account.

Same page link returns to footnote reference 4When ordered through Chase. Fees may apply for certain other supplies and expedited shipping options.

Same page link returns to footnote reference 5This benefit will begin the next business day after opening the account. The "No Chase Fee" benefit applies based on your account having this benefit when the debit card or ATM transaction is posted on the account.

Same page link returns to footnote reference 6For wire transfers, the "No Chase Fee" benefit applies to the Wire Transfer Fees section listed on the Fee Schedule of the Additional Banking Services and Fees, which can be found at chase.com/disclosures, and does not apply to the spread we include in the foreign currency exchange rate. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers, including on returned wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

Same page link returns to footnote reference 7No Overdraft Fees when item(s) are presented against an account with insufficient funds on the first four business days during the current and prior 12 statement periods. On a business day when we returned item(s), this counts toward the four business days when an Overdraft Fee will not be charged.

Same page link returns to footnote reference 8Chase Mobile® app is available for select mobile devices. Enroll in Chase OnlineSM or on the Chase Mobile app. Chase QuickDepositSM is subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile app for eligible mobile devices, limitations, terms, conditions and details. Message and data rates may apply.

Same page link returns to footnote reference 9Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.

Only send money to people and businesses you trust. Neither Chase nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Same page link returns to footnote reference 10Existing balance requirements: Under the Relationship Pricing Program, participating customers who have at least $500,000 in existing eligible Chase and J.P. Morgan deposit accounts and/or J.P. Morgan Wealth Management accounts can save 0.125% off the standard rate. Participating customers with over $1 million can save 0.25%. Any existing funds and/or investment funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible balance amount. Chase employees are not eligible for the existing balance rate discount.

New money requirements: Additional rate discounts are available under the Relationship Pricing Program, based on the new deposit and/or investment assets transferred to Chase and/or J.P. Morgan Wealth Management accounts and the mortgage loan amount. Any existing funds or new deposit and/or investment funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible transfer amount (you will not be penalized for changes in market value).

Combined discount: You can qualify for both the existing balance discount and the new money discount at the same time. However, the maximum rate discount for all programs combined (including employee mortgage rate discount) is 0.5%.

Account Eligibility: Qualifying personal banking and/or investment balances will be used in determining the appropriate mortgage rate discount. However, business, deferred compensation, student, custodial, 529b college savings, donor-advised funds, select retirement accounts and non-vested RSU accounts do not qualify.

*Chase reserves the right to amend, terminate or withdraw the rate discount at any time without prior notice.

Same page link returns to footnote reference 11AUTO PURCHASE: As a Chase Private Client, you receive a rate discount of 0.25% off standard auto loan rates through Chase Auto, available for chase.com applications only. Not available for applications submitted to a dealer. Rate discounts are subject to change at any time. To finance a new or used car with Chase Auto you must purchase your car from a dealer in the Chase network. All applications are subject to credit approval by JPMorgan Chase Bank, N.A. ("Chase"). The dealer will be the original creditor and assign the financing to Chase. Additional terms and conditions apply, such as vehicle make, age and mileage.

Checking Text Message Program: Message and data rates may apply. For Help call 1-800-935-9935. Reply STOP to 40107 to no longer receive Chase Checking text messages until you provide your consent again. Mobile carriers not liable for delayed or undelivered messages.

"Chase Private Client" is the brand name for a banking and investment offering, requiring a Chase Private Client Checking account.

Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit and home lending products offered by JPMorgan Chase Bank, N.A. Member FDIC.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

LEARN MORE ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

Products and services described as well as associated fees, charges, interest rates and balance requirements may differ among different geographic locations. Not all products and services are offered at all locations.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

For Home Lending products, the employee rate discount cannot be combined with any other rate discounts except Relationship Pricing. Offers to employees are subject to change at any time without prior notice. This offer is only available to U.S. citizens and legal residents within the United States of America.

Chase Checking Accounts: Compare & Apply Today (2024)

FAQs

Does Chase give you $200 for opening an account? ›

For a simple savings account, Chase Savings℠ offers interest-earning with waivable monthly service fees, ATM access and automatic savings features. What is the offer? Earn a $200 bonus when you open a new Chase Savings account and complete qualifying activities.

What is the best account to open at Chase Bank? ›

The most loyal Chase customers get the best checking account with Chase Sapphire℠ Checking. Exclusive benefits of the Chase Sapphire Checking include: Fee-free ATMs worldwide. Higher ATM and purchase limits with Sapphire Banking Debit Card.

What credit score do you need to open a checking account with Chase? ›

You don't need a certain credit score to open a Chase checking or savings account, as there is no credit score requirement. Chase does not require a credit score for these accounts because they are deposit accounts, not loans or lines of credit.

Does Chase offer different types of checking accounts? ›

Chase Checking Account Basics

Chase offers five different checking accounts: Chase Total Checking®, Chase Secure Banking℠, Chase Premier Plus Checking℠, Chase Sapphire Banking and Chase Private Client Checking℠.

How do you get the Chase $2000 bonus? ›

  1. Open a new Chase Business Complete Checking® account. Chase offers the option of opening an account online or at a local branch.
  2. Deposit and maintain a balance of $2,000 in your account for 60 days. ...
  3. Make at least five qualifying transactions within 90 days of enrollment. ...
  4. Wait 15 days for your bonus.

Does Chase give you $300 for opening an account? ›

Chase Total Checking®: $300 bonus

This offer is best for those who can meet the minimum balance or direct deposit requirements to avoid the monthly fee. Offer: Get a $300 bonus when you open a new Chase Total Checking® account and complete a qualifying direct deposit. Minimum deposit to qualify: $500.

What bank gives the most for opening a checking account? ›

Bank & accountBonus amountTime frame for deposits
Valley Bank: All Access Rewards Checking$240 ($20/month for first year)30
Chase: Chase Total Checking$30090 days
Wells Fargo: Everyday Checking account$30090
Key Bank: Key Smart Checking$30060 days
6 more rows
23 hours ago

How much money does Chase Bank require to open a checking account? ›

Except for the CD, Chase's accounts don't require a minimum opening deposit. Several accounts have a monthly fee, but there's often a way to waive it, such as keeping a minimum daily balance or having a linked Chase account. *APY accurate as of April 02, 2024. Rates may vary by location.

How to avoid Chase checking monthly fee? ›

Service Fee: Chase Secure Checking has no Monthly Service Fee when you have electronic deposits made into this account totaling $250 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, or (iii) third party ...

Can you get denied for a Chase checking account? ›

If your name is listed in the system and it reports a low score, your banker will give you a copy of the free ChexSystems report and likely decline your application. When you're denied an account due to a low ChexSystems score it can be disappointing—but do not lose hope.

Is Chase bank hard to get approved for? ›

It is hard to get a Chase credit card because almost all cards offered by Chase require good credit or better for approval, which may be out of reach for the average consumer. For the most part, applicants need a 700 credit score and a steady income to have good approval odds for a Chase credit card.

Can I open a Chase checking account with no money? ›

In most cases, you do not need money to open a Chase account as no minimum opening deposit is required to complete the account application process for standard Chase checking accounts. However, if you don't maintain a minimum balance, you may find you pay a monthly fee. More on that, in the table below.

Is there a difference between Chase bank and JPMorgan Chase? ›

In 1955, the Bank of the Manhattan Company merged with Chase National Bank, the third largest in the United States, to form Chase Manhattan Bank. And in 2000, Chase Manhattan merged with JPMorgan & Co, to form today's JPMorgan Chase.

What are the 3 main checking accounts? ›

Types of Checking Accounts
  • Traditional Checking Account. A traditional checking account, also referred to as a standard or basic checking account, offers the ability to write checks. ...
  • Premium Checking Account. ...
  • Interest-Bearing Checking Account. ...
  • Rewards Checking Account. ...
  • Student Checking Account. ...
  • Second Chance Checking Account.
Jul 22, 2024

Are Chase offers different for everyone? ›

Chase says that offers are targeted “based on how you use your eligible credit or debit cards.” So, you will likely find the most Chase Offers on cards you use to make purchases. It's possible you won't be targeted for any Chase Offers on an otherwise eligible card that you don't use much.

How to get the $200 cash back from Chase? ›

Earn $200 cash back after spending $500 in purchases within the first 3 months you have the card. In addition to the welcome bonus, earn 5% cash back on combined gas station and grocery store purchases on up to $12,000 spent in the first year. Grocery store purchases do not include purchases at Target® and Walmart®.

How much money does Chase require to open a bank account? ›

Except for the CD, Chase's accounts don't require a minimum opening deposit. Several accounts have a monthly fee, but there's often a way to waive it, such as keeping a minimum daily balance or having a linked Chase account. *APY accurate as of April 02, 2024. Rates may vary by location.

Is the Chase $600 bonus worth it? ›

This bonus from Chase Bank offer can be worth the effort if you want to put your money to work and are comfortable banking through Chase. You can earn more than the standard interest rate which makes this bonus attractive. However, you should strive to waive the monthly fee to avoid giving back some of your bonus.

How to get 100$ in Chase? ›

To receive the bonus: 1) Open a new Chase Secure BankingSM account, which is subject to approval; AND 2) Complete at least 10 qualifying transactions within 60 days of coupon enrollment.

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Prof. An Powlowski

Last Updated:

Views: 6604

Rating: 4.3 / 5 (64 voted)

Reviews: 87% of readers found this page helpful

Author information

Name: Prof. An Powlowski

Birthday: 1992-09-29

Address: Apt. 994 8891 Orval Hill, Brittnyburgh, AZ 41023-0398

Phone: +26417467956738

Job: District Marketing Strategist

Hobby: Embroidery, Bodybuilding, Motor sports, Amateur radio, Wood carving, Whittling, Air sports

Introduction: My name is Prof. An Powlowski, I am a charming, helpful, attractive, good, graceful, thoughtful, vast person who loves writing and wants to share my knowledge and understanding with you.