{"account":{"slug":"chase-checking","bank":"Chase","name":"Checking Accounts"},"status":"recent","lastVerified":"2026-10-22","officialSource":"https://www.chase.com/personal/checking","history":[{"date":"2026-10-19","apy":"None on Total/Secure; 0.01% on Premier Plus","monthlyFee":"$15 (Total Checking), waived with $500 direct deposit or $1,500 balance","minimumOpen":"None","atm":"Free at 15,000 Chase ATMs; $3+ elsewhere unless you hold Premier Plus (4 waivers) or Sapphire/Private Client (unlimited worldwide)","note":"Previously published account snapshot; superseded by the October 22 source review, including corrected Premier Plus ATM terms."},{"date":"2026-10-22","apy":"Total and Secure earn no interest; Premier Plus earns 0.01% variable APY (published rate effective September 18, 2026)","monthlyFee":"$15 for Total Checking, or $0 with a qualifying deposit, balance or linked-account waiver","minimumOpen":"Secure and Premier Plus: $0; confirm Total and Private Client funding requirements when applying","atm":"No Chase fee at Chase ATMs. Total/Secure: $3 per US non-Chase withdrawal or $5 outside the US, plus possible operator/FX charges. Premier Plus waives Chase ATM fees; Private Client also refunds eligible operator surcharges.","note":"Corrected Premier Plus ATM benefits, qualified Secure negative-balance wording, updated network counts and clarified fee-waiver routes.","sourceUrl":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","sourceLabel":"Chase current personal account fee schedule"},{"date":"2026-10-23","apy":"Total and Secure earn no interest; Premier Plus earns 0.01% variable APY (published rate effective September 18, 2026)","monthlyFee":"$15 for Total Checking, or $0 with a qualifying deposit, balance or linked-account waiver","minimumOpen":"Secure and Premier Plus: $0; confirm Total and Private Client funding requirements when applying","atm":"No Chase fee at Chase ATMs. Total/Secure: $3 per US non-Chase withdrawal or $5 outside the US, plus possible operator/FX charges. Premier Plus waives Chase ATM fees; Private Client also refunds eligible operator surcharges.","note":"Scoped Secure fee-waiver correction: the current fee schedule also allows a qualifying linked checking account with a common owner. Full account verification date remains October 22.","sourceUrl":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","sourceLabel":"Chase personal account fee schedule, Secure product information"}],"verificationEvents":[{"id":"4e0d0303-726b-45db-a351-84c64619d5f3","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T12:42:00.699Z","recordedAt":"2026-10-23T12:42:00.700Z","sourceUrl":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","sourceLabel":"Chase personal banking fee schedule, Secure fee waiver","outcome":"changed","summary":"Scoped correction: Secure also permits a qualifying linked checking account with a common owner. No renewal of the full account verification date.","changedFields":["plans","termHistory"],"facts":{"fullAccountReview":false,"lastVerifiedPreserved":"2026-10-22","secureFeeWaiver":"Any one each statement period: $250 qualifying electronic deposits; an account owner age 17–24; or a qualifying linked checking account with a common owner."},"previousHash":"ac4d70947e41260c728f2617c42133ffd97702e1d60b7fdfcb25a2b9e9861ea9","recordHash":"ba14d1a22042e5d491071f811f3bf7eea96362d9d4964f2696578ae4f08fb540"},{"id":"6a5c37bd-3a8b-462a-9624-97ad2403e61c","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T02:57:41.085Z","recordedAt":"2026-10-23T02:57:41.086Z","sourceUrl":"https://www.chase.com/personal/fees/sapphire-checking","sourceLabel":"Chase Sapphire existing-account terms","outcome":"changed","summary":"Confirmed closed to new openings and both current fee-waiver routes; separated existing-account tier in comparison.","changedFields":["plans","faqs"],"previousHash":"a647f73202600000ff95580941477d1fe62e0a61e1de5276c5e860858d9d62ae","recordHash":"17658369c45cd95c8f571a4e15fe3706e623ccbf3ecf990b53715958e2910d64"},{"id":"2a81235b-8479-42d9-91c7-c05cd2857925","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T02:57:41.018Z","recordedAt":"2026-10-23T02:57:41.019Z","sourceUrl":"https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf","sourceLabel":"Chase personal fee schedule effective June 14, 2026","outcome":"changed","summary":"Checked Private Client monthly fee, waivers, ATM surcharge refunds and wire benefits; verified Premier ATM changes and standard-account ATM/overdraft fees.","changedFields":["plans","atm","termHistory"],"previousHash":"81662864a2a07f4bf4449dffcfc3aee5b27de7a30c63431d841adad2f31da20b","recordHash":"a647f73202600000ff95580941477d1fe62e0a61e1de5276c5e860858d9d62ae"},{"id":"57087c5b-0cc4-4465-965d-1a2cd98dc2a1","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T02:57:40.952Z","recordedAt":"2026-10-23T02:57:40.953Z","sourceUrl":"https://account.chase.com/personal/checking/premier-plus-checking","sourceLabel":"Chase Premier Plus rate disclosure","outcome":"changed","summary":"Confirmed no minimum opening deposit and 0.01% variable APY for all states and balances, effective September 18.","changedFields":["apy","minimumOpen"],"previousHash":"ff5c78c8ceb2e2d8076250b39a721de6f0174880b128f3e9b2a963591ca11ef1","recordHash":"81662864a2a07f4bf4449dffcfc3aee5b27de7a30c63431d841adad2f31da20b"},{"id":"2428274d-bdbb-4594-ba3a-3f327307bb56","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T02:57:40.886Z","recordedAt":"2026-10-23T02:57:40.886Z","sourceUrl":"https://www.chase.com/personal/checking/premier-plus-checking","sourceLabel":"Chase Premier Plus","outcome":"changed","summary":"Corrected four-ATM limit to no Chase ATM fees worldwide, retaining operator surcharge distinction; checked all four waiver routes.","changedFields":["plans","atm","sections","faqs"],"previousHash":"47ee7e72ebd9098d43d7c69df27909174b37ed3d2e54239a24fc7090472b094f","recordHash":"ff5c78c8ceb2e2d8076250b39a721de6f0174880b128f3e9b2a963591ca11ef1"},{"id":"976adc7d-d55c-4ecb-9cbc-3d45c43ff9de","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T02:57:40.819Z","recordedAt":"2026-10-23T02:57:40.820Z","sourceUrl":"https://personal.chase.com/personal/secure-banking","sourceLabel":"Chase Secure Banking","outcome":"changed","summary":"Confirmed fee and age/deposit waivers, no minimum opening deposit, no paper checks/outgoing wires and negative-balance exception without overdraft fees.","changedFields":["plans","sections","faqs"],"previousHash":"6fd7db258299b886b9c5dc2882ebe455520a260865bce44b877c24c90753b1f8","recordHash":"47ee7e72ebd9098d43d7c69df27909174b37ed3d2e54239a24fc7090472b094f"},{"id":"454f0bfc-9fde-4fe0-9053-5e42eff39695","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-23T02:57:40.749Z","recordedAt":"2026-10-23T02:57:40.750Z","sourceUrl":"https://www.chase.com/personal/checking/total-checking","sourceLabel":"Chase Total Checking","outcome":"changed","summary":"Confirmed $15 monthly fee and all four waiver routes, Overdraft Assist and current branch/ATM counts; clarified balance measurement.","changedFields":["monthlyFee","plans","features","sections","faqs","lastVerified"],"previousHash":"be1ce7920d7a0b697ac94c638baa2574350402eb072436687e44e046df9f66a1","recordHash":"6fd7db258299b886b9c5dc2882ebe455520a260865bce44b877c24c90753b1f8"},{"id":"3f2eb8c0-a476-4c6e-a5ea-8eb1177cef89","entityType":"bank-account","slug":"chase-checking","checkedAt":"2026-10-19T12:00:00.000Z","recordedAt":"2026-10-19T11:43:38.373Z","sourceUrl":"https://www.chase.com/personal/checking","sourceLabel":"Chase personal checking product page","outcome":"changed","summary":"Total Checking's $400 direct-deposit bonus expired October 14, 2026 with no confirmed replacement; Secure Banking's $175 offer runs through at least January 27, 2027","changedFields":["benefits","faqs"],"previousHash":"abaf907026ba181ba8e1f1a59c7d5ae1f506ee0d4cc7d886f4735e9acad6cd67","recordHash":"87e18bb23b4da93bc0fd5879de50acb148b10e9f46dbefc1e62c3b98405c00bd"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}