Chase Checking Accounts

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Teach kids money basics with Chase First Banking^SM. A debit card for kids with no monthly service fee. Qualifying account required.

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Chase Total
Checking^®

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Chase Secure
Banking^SM

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Chase Premier
Plus Checking^SM

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Monthly Service Fee

$12 or $0

$4.95

Fixed fee

$25 or $0

Access to 16,000 ATMs and more than 4,700 branches

Chase Online^SM Banking, Online Bill Pay^SM reference link to footnote ¹ and Chase Mobile Banking

Autosave makes saving easy with automatic transfers to a Chase savings account

Overdraft Services

Spend only the money you have available, without worrying about overdraft fees reference link to footnote ²

Chase fee waived at non-Chase ATMs

(4 times per statement period) reference link to footnote ³

Get Chase First Banking^SM—a checking account for you and your child that comes with its very own debit card

Fees waived for counter checks, money orders and cashier’s checks

(Excludes counter checks)

Monthly Service Fee waived on any linked personal Chase Savings account(s) reference link to footnote ⁴

Additional linked Chase Checking accounts with no Monthly Service Fee reference link to footnote ⁴

(up to 2 Chase Premier Plus Checking accounts)

Fees waived for checks

No paper checks

Chase design checks reference link to footnote ⁵

See account details

Chase First
Banking^SM

For kids ages 6 to 17, parent-owned.
Requires eligible account to
open reference link to footnote ¹

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Chase College
Checking^SM

For college students 17 to 24 years old
at account opening reference link to footnote ²
17-year-olds must open in branch

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Chase High
School Checking^SM

For students 13 to 17 years old
at account opening reference link to footnote ³

Learn more

Monthly Service Fee

$6 or $0

Access to 16,000 ATMs and more than 4,700 branches

Chase Online^SM Banking, Online Bill Pay^SM reference link to footnote ⁴ and Chase Mobile Banking

Limited services available reference link to footnote ⁵

Autosave makes saving easy with automatic transfers to a Chase savings account

Chase fee waived at non-Chase ATMs

Fees waived for counter checks, money orders and cashier’s checks

Monthly Service Fee waived on any linked personal Chase Savings account(s) reference link to footnote ⁶

Must be linked for Overdraft Protection

Additional linked Chase Checking accounts with no Monthly Service Fee reference link to footnote ⁶

Fees waived for checks

See account details Financial resources for students

Chase Sapphire^SM
Banking

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Chase Private
Client Checking^SM

Open in branch

Chase Total
Checking^®

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Compare to our most
popular account

Monthly Service Fee

$25 or $0

$35 or $0

$12 or $0

Chase fee waived at non-Chase ATMs

(No ATM fees worldwide) reference link to footnote ¹

Fees waived for checks

Personal design checks

Dedicated 24/7 banking service line

Autosave makes saving easy with automatic transfers to a Chase savings account

Close collaboration with dedicated Private Client Banker

No Chase fees on: foreign exchange rate adjustments, incoming and outgoing wire transfers, the first four overdrafts during the current and prior 12 statement periods, or stop payments reference link to footnote ²

Get Chase First Banking^SM—a checking account for you and your child that comes with its very own debit card

Higher limits on Chase QuickDeposit^SM & Zelle^®, plus higher daily purchase limits & ATM withdrawal limits reference link to footnote ³

Dedicated Business Banking Advisor

Discounted rates on home & auto loans reference link to footnote ⁴^, reference link to footnote ⁵

Exclusive sports and entertainment benefits like hospitality lounges, early ticket sales and special seating

See account details

Are you a college student? ›

New Chase customers — get $100 when you open a Chase College Checking^SM account with qualifying activities.

Do you have a coupon? ›

Redeem your code

Open now

Enjoy the ease of banking with Chase

Zelle^®

Pay practically anyone from any bank reference link to footnote ⁸

Mobile check deposit

Deposit checks from almost anywhere with the Chase Mobile^® app reference link to footnote ⁶

Convenient locations

Access to 16,000 ATMs and more than 4,700 branches

Active alerts

Account alerts reference link to footnote ⁷ help you monitor your finances and keep your account safe

Find your nearest branch

Existing checking customers, refer a friend and earn rewards! See details.

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See Additional Banking Services & Fees (PDF) for more information.

^{return to footnote reference †}For 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 Checking^SM, Chase Total Checking^®, Chase Premier Plus Checking^SM, Chase Sapphire^SM Checking, Chase Better Banking^® Checking, Chase Premier Checking^SM, Chase Checking^SM or a Chase Private Client Checking^SM account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. Only the parent/guardian who opened the account can fund, view or manage this account. You can open a Chase First Checking account for your child who is 6-17 years old.

Service Fee: There is no Monthly Service Fee for Chase First Checking.

Bonus/Account Information: Offer valid until 09/02/2021. To receive the bonus: Open a new Chase First Checking account, which is subject to approval. We'll deposit the bonus into your new Chase First Checking account within 15 days of account opening. Limit 2 Chase First Checking related bonuses per customer. To receive this bonus, the account must not be closed or restricted at the time of payout. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

return to footnote reference ¹Chase Online Bill Pay: Must enroll in Chase Online^SM Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

return to footnote reference ²We 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 a negative 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 (like when 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.

return to footnote reference ³Fees 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.

return to footnote reference ⁴Account must be linked to the checking account for No Monthly Service Fee.

return to footnote reference ⁵50% discount on other personal style checks. Fees may apply for certain other supplies and expedited shipping options.

return to footnote reference ⁶Chase Mobile^® app is available for select mobile devices. Enroll in Chase Online^SM or on the Chase Mobile app. Deposits made through the Chase Mobile App are 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.

return to footnote reference ⁷There is no charge from Chase, but message and data rates may apply. Such charges include those from your communication service provider. 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.

return to footnote reference ⁸Zelle^®: Enrollment in Zelle^® is required. Both parties need a U.S. bank account; only one needs an eligible Chase account. 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 https://register.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile app or Chase Online. Limitations may apply. Message and data rates may apply.

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

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 Additional Banking Services & Fees (PDF) for more information.

return 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 Checking^SM, Chase Total Checking^®, Chase Premier Plus Checking^SM, Chase Sapphire^SM Checking, Chase Better Banking^® Checking, Chase Premier Checking^SM, Chase Checking^SM or a Chase Private Client Checking^SM account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. Only the parent/guardian who opened the account can fund, view or manage this account. You can open a Chase First Checking account for your child who is 6-17 years old.

Service Fee: There is no Monthly Service Fee for Chase First Checking.

return to footnote reference ²For college students 17 to 24 years old at account opening with proof of student status.

return to footnote reference ³For 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 Checking, Chase College Checking, Chase Secure Checking^SM and Chase First Checking^SM.

return to footnote reference ⁴Chase Online Bill Pay: Must enroll in Chase Online^SM Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.

return to footnote reference ⁵Chase Online^SM Banking services unavailable with Chase First Banking: Cash or check deposits, Zelle^®, Chase QuickDeposit^SM, direct deposit, Chase overdraft services, check writing, wire transfers (incoming or outgoing) and ACH transactions (deposits and withdrawals). We also 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.

return to footnote reference ⁶Account must be linked to the checking account for No Monthly Service Fee.

return to footnote reference ⁷Zelle^®: Enrollment in Zelle^® is required. Both parties need a U.S. bank account; only one needs an eligible Chase account. 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 https://register.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile app or Chase Online. Limitations may apply. Message and data rates may apply.

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

return to footnote reference ⁸Chase Mobile^® app is available for select mobile devices. Enroll in Chase Online^SM or on the Chase Mobile app. Deposits made through the Chase Mobile App are 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.

return to footnote reference ⁹There is no charge from Chase, but message and data rates may apply. Such charges include those from your communication service provider. 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.

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

All accounts subject to approval. Restrictions and limitations apply.

Other miscellaneous fees apply. See Additional Banking Services & Fees (PDF) for more information.

Service Fee: There is no Monthly Service Fee for Chase First Checking.

return to footnote reference ¹There is no Chase fee at non-Chase ATMs. Chase will refund ATM 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 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 reimbursements.

return to footnote reference ²Other financial institutions and Chase may deduct fees and/or charges from the amount of the incoming wires, which will reduce the proceeds credited to your account. Any deductions taken by us may include processing fees charged by Chase. No fees for Insufficient Funds and Returned Items — if item(s) are presented or withdrawal request(s) are made against an account with insufficient funds on four or fewer business days during the current and prior 12 statement periods.

return to footnote reference ³Chase Mobile^® app is available for select mobile devices. Enroll in Chase Online^SM or on the Chase Mobile app. Deposits made through the Chase Mobile app are 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. Enrollment in Zelle^® is required. Both parties need a U.S. bank account; only one needs an eligible Chase account. 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 https://register.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile app or Chase Online. Limitations may apply. Message and data rates may apply.

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

return to footnote reference ⁴Chase Home Lending offers $500 off of the processing fee for Chase Private Clients with combined assets of $150,000 – $499,999 in eligible Chase deposit and/or J.P. Morgan Wealth Management accounts or waiver of the entire processing fee (up to $1,150 for most loans) for $500,000+ in such eligible accounts. These fee savings apply to the full spectrum of residential mortgage types, including fixed- and adjustable-rate products for jumbo and conforming mortgages.

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

Under the Relationship Pricing Program, participating customers who have at least $500,000 in 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%.

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 respectively; and the mortgage loan amount. Rate discount is limited to one mortgage loan per customer. The maximum rate discount for all programs combined (including employee mortgage rate discounts) is 0.50%.

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.

*Benefit eligibility is based on mortgage loans with rates locked on or after April 12, 2021.

*Chase reserves the right to amend, terminate or withdraw processing fee and rate discount/waiver programs at any time without prior notice.

return to footnote reference ⁵AUTO 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.

return to footnote reference ⁶There is no charge from Chase, but message and data rates may apply. Such charges include those from your communication service provider. 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.

"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 products and related services are 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 advisor, member FINRA and SIPC. Annuities 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.

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

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

Chase Checking Accounts

Compare accounts and select the one that fits your needs(Choose 2)

Open Chase First Banking, Get $25 reference link to footnote 1 reference link to footnote † reference link to footnote †

Chase Total Checking®

Chase Secure BankingSM

Chase Premier Plus CheckingSM

Monthly Service Fee

Access to 16,000 ATMs and more than 4,700 branches

Chase OnlineSM Banking, Online Bill PaySM reference link to footnote 1 and Chase Mobile Banking

Autosave makes saving easy with automatic transfers to a Chase savings account

Overdraft Services

Chase fee waived at non-Chase ATMs

Get Chase First BankingSM—a checking account for you and your child that comes with its very own debit card

Fees waived for counter checks, money orders and cashier’s checks

Monthly Service Fee waived on any linked personal Chase Savings account(s) reference link to footnote 4

Additional linked Chase Checking accounts with no Monthly Service Fee reference link to footnote 4

Fees waived for checks

Chase First BankingSM

Chase College CheckingSM

Chase High School CheckingSM

Monthly Service Fee

Access to 16,000 ATMs and more than 4,700 branches

Chase OnlineSM Banking, Online Bill PaySM reference link to footnote 4 and Chase Mobile Banking

Autosave makes saving easy with automatic transfers to a Chase savings account

Chase fee waived at non-Chase ATMs

Fees waived for counter checks, money orders and cashier’s checks

Monthly Service Fee waived on any linked personal Chase Savings account(s) reference link to footnote 6

Additional linked Chase Checking accounts with no Monthly Service Fee reference link to footnote 6

Fees waived for checks

Chase SapphireSM Banking

Chase Private Client CheckingSM

Chase Total Checking®

Monthly Service Fee

Chase fee waived at non-Chase ATMs

Fees waived for checks

Dedicated 24/7 banking service line

Autosave makes saving easy with automatic transfers to a Chase savings account

Close collaboration with dedicated Private Client Banker

No Chase fees on: foreign exchange rate adjustments, incoming and outgoing wire transfers, the first four overdrafts during the current and prior 12 statement periods, or stop payments reference link to footnote 2

Get Chase First BankingSM—a checking account for you and your child that comes with its very own debit card

Higher limits on Chase QuickDepositSM & Zelle®, plus higher daily purchase limits & ATM withdrawal limits reference link to footnote 3

Dedicated Business Banking Advisor

Discounted rates on home & auto loans reference link to footnote 4, reference link to footnote 5

Exclusive sports and entertainment benefits like hospitality lounges, early ticket sales and special seating

Enjoy the ease of banking with Chase

Chase banking

Savings Accounts & CDs

Checking

Student banking

Refer a Friend

About us

Other Products & Services:

Open Chase First Banking, Get $25 reference link to footnote ¹ reference link to footnote ^† reference link to footnote ^†

Chase Total
Checking^®

Chase Secure
Banking^SM

Chase Premier
Plus Checking^SM

Chase Online^SM Banking, Online Bill Pay^SM reference link to footnote ¹ and Chase Mobile Banking

Get Chase First Banking^SM—a checking account for you and your child that comes with its very own debit card

Monthly Service Fee waived on any linked personal Chase Savings account(s) reference link to footnote ⁴

Additional linked Chase Checking accounts with no Monthly Service Fee reference link to footnote ⁴

Chase First
Banking^SM

Chase College
Checking^SM

Chase High
School Checking^SM

Chase Online^SM Banking, Online Bill Pay^SM reference link to footnote ⁴ and Chase Mobile Banking

Monthly Service Fee waived on any linked personal Chase Savings account(s) reference link to footnote ⁶

Additional linked Chase Checking accounts with no Monthly Service Fee reference link to footnote ⁶

Chase Sapphire^SM
Banking

Chase Private
Client Checking^SM

Chase Total
Checking^®

No Chase fees on: foreign exchange rate adjustments, incoming and outgoing wire transfers, the first four overdrafts during the current and prior 12 statement periods, or stop payments reference link to footnote ²

Get Chase First Banking^SM—a checking account for you and your child that comes with its very own debit card

Higher limits on Chase QuickDeposit^SM & Zelle^®, plus higher daily purchase limits & ATM withdrawal limits reference link to footnote ³

Discounted rates on home & auto loans reference link to footnote ⁴^, reference link to footnote ⁵