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Chase

Chase Personal Checking

The biggest branch network in America, from starter to private client

7.5
Our Rating
APY
None on Total/Secure; 0.01% on Premier Plus
Monthly Fee
$15 (Total Checking), waived with $500 direct deposit or $1,500 balance
Minimum to Open
None
ATM Access
Free at 15,000 Chase ATMs; $3+ elsewhere unless you hold Premier Plus (4 waivers) or Sapphire/Private Client (unlimited worldwide)

Insurance: FDIC insured up to $250,000 per depositor (JPMorgan Chase Bank, N.A.)

Live Bonus

This account currently pays a $300 opening bonus: $300 flat with qualifying direct deposit. See the full requirements.

Plan Options

Secure Banking

$4.95, waived with $250+ in electronic deposits or owner age 17-24

  • ▸Checkless account with no overdraft fees, transactions just decline
  • ▸No minimum deposit to open
  • ▸Early direct deposit up to two days
  • ▸Frequently carries its own opening bonus

Total Checking

$15, waived with $500+ electronic deposits, $1,500+ beginning-day balance, or $5,000+ combined balances

  • ▸Chase's flagship account and the usual home of its biggest bonuses
  • ▸Overdraft Assist: no fee if overdrawn by $50 or less at end of day
  • ▸Full access to Zelle, bill pay, and the Chase app

Premier Plus Checking

$25, waived with $15,000+ combined linked deposits/investments or for servicemembers and veterans

0.01%

  • ▸Four non-Chase ATM fee waivers per statement period
  • ▸Free standard checks, money orders, and cashier's checks
  • ▸Token interest, not a reason to choose it

Sapphire Banking

$25, waived with $75,000+ combined linked balances

  • ▸Closed to new openings as of early 2026; existing accounts grandfathered
  • ▸No Chase fees at ATMs worldwide
  • ▸No fees on wires, stop payments, or standard banking services

Private Client Checking

$35, waived with $150,000+ combined deposits/investments or a linked qualifying account

  • ▸Dedicated Private Client banker and 24/7 support line
  • ▸No Chase fees on ATMs worldwide and no wire fees in or out
  • ▸Access to J.P. Morgan Wealth Management advisors
  • ▸Periodic $1,000-3,000 enrollment bonuses for new Private Client relationships

Features

  • ▸About 4,700 branches and 15,000 ATMs, the largest footprint in the country
  • ▸Strong mobile app with Zelle, credit journey, and budgeting built in
  • ▸Overdraft Assist waives fees when overdrawn $50 or less at day's end
  • ▸Early direct deposit on Secure Banking
  • ▸Frequent $300+ opening bonuses on Total Checking and Secure Banking
  • ▸Tier family runs from a $4.95 starter account to Private Client

Pros

  • +Unmatched branch and ATM coverage if you ever need a human or a teller
  • +Reliable, frequently repeatable checking bonuses on the lower tiers
  • +Clean fee-waiver paths: a normal paycheck waives Total Checking
  • +Private Client tier unlocks real perks once balances justify it

Cons

  • −Pays effectively zero interest at every tier
  • −$34 overdraft fee still applies above the $50 cushion on standard accounts
  • −Out-of-network ATM fees on the lower tiers
  • −Sapphire Banking is closed to new customers

Our Take

Nobody opens Chase checking for the yield, because there isn't any. You open it for the branch network, the app, and the bonuses, and on those terms it delivers better than any other megabank. Total Checking with a direct deposit is free and pairs naturally with Chase's card ecosystem. Park your savings elsewhere and let Chase be the hub.

Best for: People who want a branch on every corner and a recurring bonus machine

Open at Chase →

Last verified 2026-06-11

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