Chase Checking Accounts

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Exclusively for Chase checking customers, Chase First Banking helps parents teach teens and kids about money by giving parents the control they want and kids the freedom they need to learn.

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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 Same page link to footnote reference ¹ and Chase Mobile Banking

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

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

Overdraft Services – no fee if you’re overdrawn by $50 or less at the end of the business day Same page link to footnote reference ²

Spend only the money you have available, without worrying about overdraft feesSame page link to footnote reference³

Chase fee waived at non-Chase ATMs

4 times per statement periodSame page link to footnote reference⁴

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) Same page link to footnote reference ⁵

Additional linked Chase Checking accounts with no Monthly Service Fee Same page link to footnote reference ⁵

Up to 2 Chase Premier Plus Checking accounts

Fees waived for checks

No paper checks

Chase design checksSame page link to footnote reference⁶

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Exclusive Benefits

Chase Sapphire^SM
Banking

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Personalized Service

Chase Private
Client Checking^SM

Chase Total
Checking^®

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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 Same page link to footnote reference ¹

No ATM fees worldwide Same page link to footnote reference ¹

Fees waived for checks

Chase design checksSame page link to footnote reference²

Personal design checksSame page link to footnote reference²

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 Same page link to footnote reference ³, incoming and outgoing wire transfers Same page link to footnote reference ⁴, the first four overdrafts during the current and prior 12 statement periods Same page link to footnote reference ⁵, or stop payments

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 Same page link to footnote reference ⁶

Dedicated Business Banking Advisor

Discounted rates on home & auto loans Same page link to footnote reference ⁷^, Same page link to footnote reference ⁸

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

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Are you a college student? ›

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

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Redeem your code

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Enjoy the ease of banking with Chase

Zelle^®

Pay practically anyone from any bankSame page link to footnote reference⁹

Mobile check deposit

Deposit checks from almost anywhere with the Chase Mobile^® app Same page link to footnote reference⁷

Convenient locations

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

Active alerts

Account alerts Same page link to footnote reference⁸ 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 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 charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

return to footnote reference ³We 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 ⁴Fees 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 ⁵Account must be linked to the checking account for No Monthly Service Fee.

return to footnote reference ⁶Fees may apply for certain other supplies and expedited shipping options.

return to footnote reference ⁷Chase 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 ⁸Account 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.

return to footnote reference ⁹Zelle^®: 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 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.

return 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 Checking^SM, Chase College Checking^SM, Chase Secure Checking^SM and Chase First Checking^SM.

return to footnote reference ³For college students 17 to 24 years old at account opening with proof of student status.

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 ⁶ Account 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.

return to footnote reference ⁷Account must be linked to the checking account for No Monthly Service Fee.

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.

return to footnote reference ⁹Chase Mobile^® app is available for select mobile devices. Enroll in Chase Online^SM or on the Chase Mobile app. Chase QuickDeposit^SM 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.

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 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 ²Fees may apply for certain other supplies and expedited shipping options.

return to footnote reference ³This benefit will begin the next business day after opening the account.

return to footnote reference ⁴For 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. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

return to footnote reference ⁵No Insufficient Funds 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 Insufficient Funds Fee will not be charged.

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. 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 ⁷Chase 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. Fee waiver cannot be combined with any other offers or discounts, except Relationship Pricing.

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 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%.

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 ⁸AUTO 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 ⁹Account 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.

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 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

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.

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