Chase
Chase Checking Accounts
By Alex Compton · Last verified
Compare Total, Secure, Premier Plus and Private Client by monthly cost and fee-waiver requirements
Insurance: FDIC insured up to $250,000 per depositor (JPMorgan Chase Bank, N.A.)
Live Bonus
Chase Total Checking currently pays a $400 opening bonus: $400 flat with $1,000+ in direct deposits within 90 days. See the full requirements.
Source checked October 22, 2026 · Offer ends January 27, 2027
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-23 | Total and Secure earn no interest; Premier Plus earns 0.01% variable APY (published rate effective September 18, 2026) | $15 for Total Checking, or $0 with a qualifying deposit, balance or linked-account waiver | Secure and Premier Plus: $0; confirm Total and Private Client funding requirements when applying | Chase personal account fee schedule, Secure product information →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. |
| 2026-10-22 | Total and Secure earn no interest; Premier Plus earns 0.01% variable APY (published rate effective September 18, 2026) | $15 for Total Checking, or $0 with a qualifying deposit, balance or linked-account waiver | Secure and Premier Plus: $0; confirm Total and Private Client funding requirements when applying | Chase current personal account fee schedule →Corrected Premier Plus ATM benefits, qualified Secure negative-balance wording, updated network counts and clarified fee-waiver routes. |
| 2026-10-19 | None on Total/Secure; 0.01% on Premier Plus | $15 (Total Checking), waived with $500 direct deposit or $1,500 balance | None | Archive record · no attached snapshotPreviously published account snapshot; superseded by the October 22 source review, including corrected Premier Plus ATM terms. |
Primary-source verification log
Append-only evidence ledger- changed
Scoped correction: Secure also permits a qualifying linked checking account with a common owner. No renewal of the full account verification date.
Fields: plans, termHistory
Chase personal banking fee schedule, Secure fee waiver → - changed
Confirmed closed to new openings and both current fee-waiver routes; separated existing-account tier in comparison.
Fields: plans, faqs
Chase Sapphire existing-account terms → - changed
Checked Private Client monthly fee, waivers, ATM surcharge refunds and wire benefits; verified Premier ATM changes and standard-account ATM/overdraft fees.
Fields: plans, atm, termHistory
Chase personal fee schedule effective June 14, 2026 → - changed
Confirmed no minimum opening deposit and 0.01% variable APY for all states and balances, effective September 18.
Fields: apy, minimumOpen
Chase Premier Plus rate disclosure → - changed
Corrected four-ATM limit to no Chase ATM fees worldwide, retaining operator surcharge distinction; checked all four waiver routes.
Fields: plans, atm, sections, faqs
Chase Premier Plus → - changed
Confirmed fee and age/deposit waivers, no minimum opening deposit, no paper checks/outgoing wires and negative-balance exception without overdraft fees.
Fields: plans, sections, faqs
Chase Secure Banking → - changed
Confirmed $15 monthly fee and all four waiver routes, Overdraft Assist and current branch/ATM counts; clarified balance measurement.
Fields: monthlyFee, plans, features, sections, faqs, lastVerified
Chase Total Checking → - changed
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
Fields: benefits, faqs
Chase personal checking product page →
Monthly fees and ways to waive them
Each row links to the official account details. Waiver requirements apply by statement period; other service fees may still apply. Checked 2026-10-22.
| Account | Monthly fee | Ways to waive the fee | Key differences |
|---|---|---|---|
| Total Checking Everyday checking with checks and outgoing wires | $15 | Any one each statement period: $500 qualifying electronic deposits; $1,500 beginning-day balance every day; $5,000 average beginning-day qualifying combined balance; or a qualifying linked checking account. |
|
| Secure Banking No overdraft fees; no paper checks or outgoing wires | $4.95 | 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. |
|
| Premier Plus Checking ATM access and banking-service benefits | $25 | Any one: $15,000 average beginning-day qualifying combined balance; qualifying linked checking; qualifying Chase first mortgage on autopay; or eligible military service with proof provided to a banker. |
|
| Private Client Checking A banking and investment relationship | $35 | $150,000 average beginning-day qualifying combined balance, or a qualifying linked checking account. |
|
| Sapphire Checking (existing accounts only) Existing owners; closed to new account openings | $25 | $75,000 average beginning-day qualifying combined balance, or a qualifying linked checking account. |
|
Features
- ▸Access to more than 5,000 Chase branches and more than 14,000 ATMs, per current Chase pages
- ▸Mobile check deposit, bill pay and Zelle, subject to service eligibility and limits
- ▸Four distinct Total Checking monthly-fee waiver paths
- ▸Secure Banking offers no overdraft fees and possible early direct deposit
- ▸Premier Plus waives Chase ATM fees worldwide, while Private Client also provides eligible operator-surcharge refunds
Pros
- +Branch and cash-deposit access alongside mobile banking
- +Total Checking can waive its fee without maintaining a balance if deposits qualify
- +Secure offers a no-overdraft-fee alternative
- +Premium tiers offer different ATM and service benefits
Cons
- −Monthly fees apply when no waiver is met
- −Total and Secure do not pay interest; Premier Plus has a low variable yield
- −Non-Chase ATM costs differ by tier, and operator surcharges may remain
- −Total Checking can charge overdraft fees when the assistance rules and other exceptions do not apply
Our Take
Start with the fee waiver you can reliably meet. Total Checking suits everyday banking with checks and outgoing wires; Secure is worth comparing if avoiding overdraft fees matters more than those features. Consider Premier Plus or Private Client only when their benefits and qualifying balances fit your existing finances. Compare opening promotions separately from the ongoing cost of keeping the account.
Best for: People who use branches and cash deposits and can meet a fee waiver
Open at Chase →Last verified 2026-10-22
Which Chase checking account fits your needs?
Choose by the services you use and the waiver you can meet. Secure has a lower monthly price and no overdraft fees but does not provide paper checks or outgoing wires. Total offers those services and several waiver routes. Premier Plus adds ATM and service benefits; Private Client is designed around a broader banking and investment relationship.
Minimum balance is not the same as a fee waiver
The $1,500 figure for Total Checking is a way to avoid its monthly fee, measured at the beginning of every day. It is different from the $5,000 average beginning-day combined-balance route. You can instead use qualifying electronic deposits or an eligible linked checking account. If the waiver fails for 12 charged statement periods, Total’s fees add up to $180.
Fee-waiver deposits and bonus deposits have different rules
Do not assume that every deposit counts for both. Chase’s monthly-fee rules cover qualifying electronic deposits, while the Total Checking bonus requires qualifying paychecks, pensions or government benefits. Its offer FAQ excludes transfers from another bank, tax refunds, checks, wires and Zelle from the bonus requirement. Read the promotion before moving money.
Premier Plus ATM fees: Chase charges versus operator surcharges
Premier Plus now waives Chase fees at non-Chase ATMs worldwide, rather than limiting the benefit to four withdrawals. An ATM owner or network can still charge its own surcharge. Private Client includes eligible surcharge refunds, with a process to request a missing refund when the operator has not identified it correctly.
Secure Banking can have a negative balance without an overdraft fee
Chase normally declines or returns a Secure transaction when funds are insufficient. A final charge can nevertheless exceed an earlier authorization, such as a restaurant bill with an added tip. Chase says it will not charge a Secure Banking overdraft fee even if that creates a negative balance.
Frequently asked questions
How much is the Chase Total Checking monthly fee?
The monthly service fee is $15 unless you meet one waiver: $500 in qualifying electronic deposits, a $1,500 beginning-day balance every day, $5,000 in average beginning-day qualifying combined balances, or a qualifying linked checking account. Other service fees can still apply.
Do I need to keep $1,500 in Chase Total Checking?
Only if you use that specific balance-based fee waiver. Qualifying electronic deposits or an eligible linked-account waiver can avoid the monthly fee without that $1,500 balance. The separate $5,000 route uses an average beginning-day qualifying combined balance.
Does Zelle count as a deposit to avoid the Chase monthly fee?
No. Chase excludes Zelle, cash, checks, wire transfers and interest payments from qualifying electronic deposits for the Total and Secure monthly-fee waivers. The opening bonus has its own deposit rules.
Does Premier Plus still limit non-Chase ATM fee waivers to four?
No. The current Premier Plus terms waive Chase ATM fees worldwide. ATM owner or network surcharges can still apply, so this is different from a promise to refund every ATM fee.
Does Chase Secure Banking prevent every negative balance?
No. It has no overdraft fees, but a transaction that settles for more than its authorized amount can still create a negative balance. Most transactions without sufficient funds are declined or returned.
Can I open a new Chase Sapphire Checking account?
No. Chase states that Sapphire Checking is no longer available for new account openings. The Sapphire row here is for existing customers; compare the other tiers when choosing a new account.
Does Chase checking pay interest?
Total Checking and Secure Banking do not. Chase’s current Premier Plus disclosure lists 0.01% variable APY for all balances and states, effective September 18, 2026. Rates can change and fees can reduce earnings.
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