Spend wisely with
Chase Secure BankingSM
A simple checking account with no overdraft fees
Spend wisely with Chase Secure BankingSM
Manage your money, deposit checks and pay bills or people
from virtually anywhere, all with the Chase Mobile® app.4
Get MORE for your money
Secure Banking customers told us they save an average of
$50 a month on fees after opening their account.5

Designed for your
peace of mind
Get reimbursed for unauthorized debit card transactions when reported promptly with
Zero Liability Protection.10
Get that "just paid" feeling up to two business days sooner with early direct deposit.1
Monitoring
Start building your credit health and enjoy identity theft protection at no cost to you with Chase Credit Journey.
Manage your spending with Budget11 and get daily spending insights with Snapshot in the Chase Mobile® app.
and Alerts
Check your balance, pay bills, deposit checks with Chase OnlineSM and the Chase Mobile® app. Plus, set up alerts to monitor your balance, deposits, and more.12
Lock and unlock your debit
card if you misplace it.
Get started with
Chase Secure BankingSM

No minimum deposit to get started.
$4.95 monthly service fee.2,3
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



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.
Chase Secure BankingSM
No overdraft fees — you spend only what you have.
Monthly service fee3
Monthly service fee3
$4.95
$12 or $0
Waive fees
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
Available
Not Available
Help staying within your account balance
Help staying within your account balance
Available
Not Available
Paper checks
Paper checks
Not Available
Available
Overdraft services
Overdraft services
Spend only the money you have available, without worrying about overdraft fees.6
Available
No fees for money orders and cashier’s checks
No fees for money orders and cashier’s checks
Available
Not Available
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
Available
Available
Chase Secure BankingSM
Other miscellaneous fees apply. See account details.
Chase Total Checking®
Other miscellaneous 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 There is a $4.95 Monthly Service Fee. Other miscellaneous fees apply. See chase.com/disclosures for more information.
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 Chase Mobile® app is available for select mobile devices. Message and data rates may apply.
5 Savings represents the average monthly reported savings on fees for money orders, check cashing, US remittances, and bill paying services by 1064 Chase Secure Banking customers who responded to a Chase survey fielded in July 2022. Your savings may vary.
6 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.
7 Enrollment 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.
8 You may be charged fees for using non-Chase ATMs by both Chase and the ATM owner/network. 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 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.
11 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.
12 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.