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Chase Secure BankingSM
No minimum deposit to get started and get your money up to two business days sooner with early direct deposit.1
Open an account

Account subject to approval

A customer signs into her Chase Mobile app on her smartphone A customer signs into her Chase Mobile app on her smartphone
Account DetailsSame page link to Account Details section Chase BenefitsSame page link to Chase Benefit section Compare AccountsSame page link to Compare Accounts section

Chase Secure BankingSMA simple checking account with no overdraft fees2

Chase Debit Card Art

$4.95 or $0 Monthly Service Fee3

You can avoid the fee with qualifying electronic deposits totaling $250 or more per statement period.4

How to avoid the fee

Read Additional Banking Services and Fees (PDF)
for more information.

Open an account

Not sure? CompareSame page link to Compare Accounts section your options.

Manage your money, deposit checks and pay bills or people
from virtually anywhere, all with the Chase Mobile® app.5

A hand inserts debit card into a Chase ATM machine to withdraw money A hand inserts debit card into a Chase ATM machine to withdraw money

The advantage for me is that the account does not allow you to go into an overdraft and charge fees.”
- Natalie V.10

Participants are compensated for their survey participation.

No fees on most everyday transactions

Secure Banking customers told us they save an average of more than $60 a month on fees after opening their account.6

  • Check mark iconNo overdraft fees,2 spend only what you have
  • Check mark iconNo fees on money orders or cashier’s checks
  • Check mark iconNo fees when you cash checks, send money using Zelle®7 or use a Chase ATM8
  • Check mark iconNo fees to pay bills with Chase OnlineSM Bill Pay9

Designed for your
peace of mind

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Build your credit

With Chase Credit Journey®, help build and improve your credit with a personalized improvement plan provided by ExperianTM.11

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Early Direct Deposit

Get that "just paid" feeling up to two business days sooner with early direct deposit.1

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Zero Liability Protection

Get reimbursed for unauthorized debit card transactions when reported promptly with
Zero Liability Protection.12

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Budgeting Tools

Manage your spending with Budget13 and get daily spending insights with Snapshot in the Chase Mobile® app.

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Account access
and Alerts

Check your balance, pay bills, deposit checks with the Chase Mobile® app. Plus, set up alerts to monitor your balance, deposits and more.14

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Card Lock

Lock and unlock your debit
card if you misplace it.

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Get started with
Chase Secure BankingSM

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No minimum deposit to get started.

Open an account

Not sure? CompareSame page link to Compare Accounts section your options.

Already a Chase Secure Banking customer?
Make the most of your account.
Learn how

A couple speaks with a banker about Secure Banking at their local Chase branch A couple speaks with a banker about Secure Banking at their local Chase branch
Chase Secure Banking BankOn Certification Seal

Certified low-cost account

Chase Secure Banking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2019.

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options — the choice is yours arrow icon
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Chase Secure BankingSM

No overdraft fees — you spend only what you have.

Open an account

Chase
Total Checking®

An easy-to-use account that covers all the essentials.

Learn more

Monthly Service Fee3

Monthly Service Fee3

Monthly service fee for Chase Secure Banking(Service mark)

$4.95 or $0
Avoid feeopens overlay

Monthly service fee for Chase Total Checking(Registered trademark)

$12 or $0
Avoid feeOpens overlay

Early direct deposit - with direct deposit, get your money up to two business days early1

Early direct deposit - with direct deposit, get your money up to two business days early1

Early direct deposit - with direct deposit, get your money up to two business days early reference footnote 1 for Chase Secure Banking(Service mark)

checkmark iconAvailable

Early direct deposit - with direct deposit, get your money up to two business days early reference footnote 1 for Chase Total Checking(Registered trademark)

—Not Available

No fees for money orders and cashier’s checks

No fees for money orders and cashier’s checks

No fees for money orders and cashier’s checks for Chase Secure Banking(Service mark)

checkmark iconAvailable

No fees for money orders and cashier’s checks for Chase Total Checking(Registered trademark)

—Not Available

Overdraft services

Overdraft services

Overdraft services for Chase Secure Banking(Service mark)

Spend only the money you have available, without worrying about overdraft fees.2

Overdraft services for Chase Total Checking(Registered trademark)

checkmark iconAvailable

Paper checks

Paper checks

Paper checks for Chase Secure Banking(Service mark)

—Not Available

Paper checks for Chase Total Checking(Registered trademark)

checkmark iconAvailable

Wire transfers (incoming and outgoing)

Wire transfers (incoming and outgoing)

Wire transfers (incoming and outgoing) for Chase Secure Banking(Service mark)

—Not Available

Wire transfers (incoming and outgoing) for Chase Total Checking(Registered trademark)

checkmark iconAvailable

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs for Chase Secure Banking(Service mark)

checkmark iconAvailable

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs for Chase Total Checking(Registered trademark)

checkmark iconAvailable

Chase Secure BankingSM

Other fees apply. See account details.

Chase Total Checking®

Other fees apply. See the Clear & Simple Product Guide (PDF) for more information.

1 For 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.

2 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.

3 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).

4 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 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.

5 Chase Mobile® app is available for select mobile devices. Enroll in Chase OnlineSM 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.

6 Savings represents the average monthly reported savings on fees for money orders, check cashing, U.S. remittances, prepaid debit cards, and bill paying services by 1512 Chase Secure Banking customers who responded to a Chase survey fielded in September and October 2024. The responses represent 0.068% of the total population of Chase Secure Banking customers. Your savings may vary.

7 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 OnlineSM. 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.

8 You may be charged fees for using non-Chase ATMs by both Chase and the ATM owner/network (Surcharge Fees). See the Deposit Account Agreement for details.

9 Chase Online Bill Pay: Must enroll in Chase OnlineSM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.

10 The Testimonials on this page or provided via linked videos are the sole opinions, findings or experiences of our customer and not those of JPMorgan Chase Bank, N.A. or any of its affiliates. These opinions, findings, or experiences may not be representative of what all customers may achieve. JPMorgan Chase Bank, N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the testimonial information provided.

11 This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your VantageScore. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the VantageScore® 3.0 model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s).

12 Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.

13 Budget is meant to help you track and manage your spending, and is based on posted transactions within your Chase accounts. You will need at least one Chase checking account and one Chase credit card (some partner debit and credit cards may not be available) to take advantage of this tool. It may not include all your financial activity, such as other sources of income or external transactions. The numbers we provide are updated throughout the day, but are subject to adjustment and correction; consider your full financial picture when making decisions.

14 Account Alerts: There's 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.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Chase Secure BankingSM

Qualifying Transactions

Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits.

Debit Card Purchases Icon Debit card purchases
Online Bill Payments Icon Online bill payments
Chase QuickDeposit Icon Chase QuickDepositSM
Zelle Icon Zelle®
ACH Credits Icon ACH credits

Get $100 for new Chase checking customers

Number One Icon

Open a new Chase Secure BankingSM account online. It’s a simple $4.95 Monthly Service Fee.1

Number Two Icon

Complete 10 Qualifying transactionsSame overlay link to Qualifying Transactions section within 60 days of coupon enrollment.2

Offer expires 04/30/2022.

Other miscellaneous fees apply. See account details.

Get Service Fee, Bonus/Account and other Important InformationSame overlay link to Important Information section.

Account subject to approval.

Your bonus will appear in your account within 15 days after completing qualifying activities.
Open an account

Coupon code applied when you click
“Open an account.”

No, thanks. .

Chase Secure BankingSM

Qualifying Transactions

Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits.

Debit Card Purchases Icon Debit card purchases
Online Bill Payments Icon Online bill payments
Chase QuickDeposit Icon Chase QuickDepositSM
Zelle Icon Zelle®
ACH Credits Icon ACH credits

IMPORTANT INFORMATION

1 There is a $4.95 Monthly Service Fee. Other miscellaneous fees apply. See chase.com/disclosures for more information.

Bonus/Account Information: Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. 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. After you have completed all the above requirements and the 10 qualifying transactions have posted to your account, we'll deposit the bonus into your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

2 Account Closing: If the checking account is closed by the customer or Chase within six months after coupon enrollment, we will deduct the bonus amount at closing.

Chase Online Bill Pay: Must enroll in Chase OnlineSM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.

Chase Mobile® app is available for select mobile devices. Enroll in Chase OnlineSM 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.

JPMorgan Chase Bank, N.A. Member FDIC

© @(DateTime.Now.ToString("yyyy")) JPMorgan Chase & Co.

Closes overlay

Chase Total Checking®

How to avoid the fee

Monthly Service Fee1

$12 OR $0 with one of the following each monthly statement period:

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 FedNowSM network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network

OR

a balance at the beginning
of each day of
$1,500
or more in this account

OR

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.

Other fees apply. See the Clear & Simple Product Guide (PDF) for more information. Account subject to approval.

Learn more

1 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).

Closes overlay

Chase Secure BankingSM

How to avoid the fee

Monthly Service Fee1

$4.95 OR $0 when you have the following during each monthly statement period:

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 services that facilitate payments to your debit card using the Visa® or Mastercard® network.

Other fees apply. See Additional Banking Services and Fees (PDF) for more information. Account subject to approval.

Open an account

1 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 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.

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Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.
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We want to make banking easy. Access your bank account or open a bank account online. Bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches.

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It’s never too early to begin saving. Open a savings account or open a Certificate of Deposit (see interest rates) and start saving your money.

Checking

Find the checking account that's best for you. See our Chase Total Checking® offer for new checking customers. Check out our bank account without overdraft feesReturns to the top of the page. View FAQs, how-to videos and other resources to help you get started with your new account.

Student banking

Discover products and financial education tailored to help parents and students at the Student Center. For parents with kids and teens, explore Chase High School CheckingSM or Chase First BankingSM as an account that helps parents teach good money habits. Our Chase College CheckingSM account has great benefits for students and new Chase checking customers can enjoy this special offer.

Refer a Friend

Chase Bank refer a friend for checking accounts. Existing eligible Chase checking customers can refer a friend to bank with Chase and earn a cash bonus.

About Chase

Chase serves over 82 million consumers and 6.4 million small businesses with a broad range of financial services. To learn more, visit the Banking Education Center. For questions or concerns, please contact Chase customer service or let us know at Chase complaints and feedback.

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"Chase," "JPMorgan," "JPMorgan Chase," the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.

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Chase Secure BankingSM
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