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All accounts subject to approval. Restrictions and limitations apply.

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

^{Same page link returns to footnote reference 1}With Chase Overdraft Assist^SM, 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.

^{Same page link returns to footnote reference 2}Chase Total Checking has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow^SM network, or (iii) third party services that facilitate payments to your debit card using the Visa^® or Mastercard^® network; OR, Option #2: Keep a balance at the beginning of each day of $1,500 or more in your checking account; OR, Option #3: Keep an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances. Otherwise a $12 Monthly Service Fee will apply. New 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).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking.

^{Same page link returns to footnote reference 3}We 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.

^{Same page link returns to footnote reference 4}For Chase Secure Checking^SM 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 5}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 FedNow^SM network, or (iii) third party services that facilitate payments to your debit card using the Visa^® or Mastercard^® network. Otherwise a $4.95 Monthly Service Fee will apply. New 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).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking.

^{Same page link returns to footnote reference 6}Surcharge 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 7}Service Fee: Chase Premier Plus Checking has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Keep an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying checking, savings and other balances; OR Option #2: Have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account. Your qualifying mortgage must be linked and enrolled in automatic payments on the business day before the end of your statement period. Payments you set up through Online Bill Pay will not be included. Qualifying mortgage accounts include Chase first mortgage accounts (with servicing retained by Chase) that are in good standing; OR Option #3: You're a current servicemember or veteran of the U.S. Armed Forces with a qualifying military ID. Otherwise a $25 Monthly Service Fee will apply. New 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).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking.

^{Same page link returns to footnote reference 8}New 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 9}Chase Online Bill Pay: Must enroll in Chase Online^SM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.

^{Same page link returns to footnote reference 10}Enrollment in Zelle^® at a participating financial institution using an eligible U.S. checking or savings account is required to use the service. Chase customers may not enroll using savings accounts; an eligible Chase consumer or business checking account is required, and may have its own account fees. Consult your account agreement. 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 Online^SM. Limitations may apply. Message and data rates may apply.

Zelle^® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle^® nor Chase provide protection if you make a purchase of goods using Zelle^® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle^® payments, see your account agreement. Neither Chase nor Zelle^® offers reimbursement for authorized payments you make using Zelle^®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle^®. This reimbursement program is not required by law and may be modified or discontinued at any time.

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 11}Account must be linked to the checking account for No Monthly Service Fee.

^{Same page link returns to footnote reference 12}When ordered through Chase. Fees may apply for certain other supplies and expedited shipping options.

^{Same page link returns to footnote reference 13}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, or a Chase Private Client Checking^SM 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 your child turns 18, we recommend they open their own account. If they do not select another account by the time they turn 25, we will close the Chase First Checking account.

^{Same page link returns to footnote reference 14}For 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 Chase checking account. Linked accounts exclude Chase High School Checking^SM, Chase College Checking^SM, Chase Secure Checking^SM and Chase First Checking^SM.

^{Same page link returns to footnote reference 15}For students 17-24 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 16}Service Fee: There is no Monthly Service Fee up to the graduation date provided at account opening (five years maximum). Students must be 17–24 years old to open a Chase College Checking account and must provide school name, and expected graduation date at account opening; a valid student ID or proof of enrollment/acceptance may also be required. The Monthly Service Fee after expected graduation date is $12 or $0 when you do at least one of the following each statement period: Option #1: Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow^SM network, or (iii) third party services that facilitate payment to your debit card using the Visa^® or Mastercard^® network; OR, Option #2: Keep an average ending day balance of $1,500 or more in your checking account.

Product terms subject to change. For more information, please see a banker or visit chase.com/checking.

New 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 17}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.

^{Same page link returns to footnote reference 18}Chase Online^SM Banking services unavailable with Chase First Banking: Zelle^®, Chase QuickDeposit^SM, 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 19}Chase 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.

^{Same page link returns to footnote reference 20}There 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 21}There is a $25 Monthly Service Fee for Chase Sapphire^SM Checking OR $0 when you have an average beginning day balance of $75,000 or more in any combination of this account and linked qualifying deposits/investments. Qualifying personal deposits include Chase First Checking^SM accounts, up to nine other personal Chase checking accounts (excluding Chase Private Client Checking^SM), personal Chase savings accounts (excluding Chase Private Client Savings^SM), CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts. Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to calculate the average beginning day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.

^{Same page link returns to footnote reference 22}There is a $35 Monthly Service Fee for Chase Private Client Checking OR $0 when you have at least one of the following each statement period: an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying deposits ^{Same page link to footnote reference A a}/investments ^{Same page link to footnote reference B b} OR, a linked Chase Platinum Business Checking^SM account.

^{Same page link returns to footnote reference a}Qualifying personal deposits include up to nine Chase Private Client Checking accounts, Chase High School Checking^SM accounts, Chase First Checking^SM accounts, personal Chase savings accounts (excluding Chase Premier Savings^SM), CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market accounts.

^{Same page link returns to footnote reference b}Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to calculate the average beginning day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.

New 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 23}This 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 24}For 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 25}No 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 26}Existing 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 27}AUTO 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.

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.

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