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The best Chase checking accounts can simplify your personal and business banking. It’s also possible to earn one-time cash bonuses when you open a new account up to $600 hundred dollars worth. If you also happen to own one of the best Chase credit cards, you might be able to enjoy other loyalty bonuses.
Best Chase Checking Accounts for 2024
There are different personal checking options from Chase Bank. Complimentary benefits that each account offers include:
- Free local branch access (more than 4,700 locations)
- Chase online banking and online bill pay
- Chase mobile banking
- Fee-free withdrawals at 16,000 ATMs
- Instant money transfers to non-Chase bank accounts using Chase QuickPay (Zelle®)
To open a checking account, you will need to apply in person. It’s also possible to open an account online, but only if Chase offers local banking services to your zip code. If you want to earn the bonus, you’ll usually have to use a special link to open the account online or you’ll need to print out the special page and take it to a local Chase branch.
Best Chase Checking Account Offers
- $300 offer: Chase Total Checking®
- Chase Private Client Checking℠
- J.P. Morgan Self-Directed Investing
- Chase Secure Banking℠
- Chase Business Complete Banking®
Chase Total Checking
One option is the Chase Total Checking® account. Some of the benefits of a Chase Total Checking account include the following:
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Access to the Chase Mobile® app
The Chase Mobile app allows users to manage their accounts, deposit checks, transfer money, and more conveniently from their devices.
However, there is a non-Chase ATM fee ($3 fee per withdrawal at a non-Chase ATM in the U.S. and the U.S. territories. $5 fee per withdrawal at a non-Chase ATM outside of the U.S. and the U.S. territories. Surcharge Fees from the ATM owner/network still apply. U.S. territories include American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.).
There is no minimum balance needed to open the account. However, there is a $12 monthly service fee. But, it can be $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 FedNow℠ network, (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.
New Chase checking customers enjoy a $300 bonus when they open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
This account is available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit locator.chase.com. JPMorgan Chase Bank, N.A. Member FDIC.
Chase Private Client
Chase Private Client Checking℠ offers a range of exclusive benefits for top Chase clients, from premium banking solutions, personalized attention, and the expertise and investment capabilities of J.P. Morgan. Essentially, it’s more or less exactly what it sounds like personalized banking and investment solutions tailored to meet your needs.
Enjoy up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities. Within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible checking, savings, and/or J.P. Morgan Wealth Management non-retirement accounts (excludes Chase Personal and Business CDs, Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, and J.P. Morgan Wealth Management retirement accounts). Your bonus will be determined on day 45. Maintain your new money for 90 days from coupon enrollment and enjoy your bonus. Chase will add it to your account within 40 days.
$3,000 bonus! offer: Chase Private Client Checking℠
J.P. Morgan Self-Directed Bonus
Get up to $700 when you open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money. You can get the following:
- $700 when you fund with $250,000 or more
- $325 when you fund with $100,000-$249,999
- $150 when you fund with $25,000-$99,999
- $50 when you fund with $5,000-$24,999
To earn the bonus, you’ll need to open a J.P. Morgan Self-Directed Investing account. Then, within 45 days, you’ll need to fund your account with qualifying new money (your bonus will be determined on day 45). Finally, maintain your new funds for 90 days from enrollment. Chase will then add it directly to your account within 15 days.
Trading losses and typical market volatility don’t penalize you. However, you cannot withdraw the balance during the qualification period.
Chase Secure Banking
If you’re looking for a banking option, the Chase Secure Banking℠ option may be right for you. Benefits include:
- Access to more than 15,000 Chase ATMs and more than 4,700 Chase branches
- Access to the Chase Mobile® app and Chase Online℠
- Account alerts to monitor balances and more
- Zero Liability Protection that eases worries about unauthorized card transactions (when reported promptly)
Account holders won’t have to worry about overdraft fees.
There is no minimum deposit required to open an account. Pay bills, cash checks, and send money with Zelle®.
A Chase Secure Banking℠ has a $4.95 monthly fee that can be avoided when you have electronic deposits made into the account totaling $250 or more during each monthly statement period. There aren’t overdraft fees to worry about and no minimum deposit is required to open an account.
New Chase checking customers enjoy a $100 checking account bonus when they open a Chase Secure Banking℠ account with qualifying transactions. Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDeposit℠, or online bill payments. Your bonus will appear in your account within 15 days after completing the qualifying transactions.
Open an account online or in person at any Chase branch. JPMorgan Chase Bank, N.A. Member FDIC.
Chase College Checking
Chase College Checking℠ is Chase’s only college student checking account. This account is open to students between the ages of 17-24 at the account opening, who must have proof of student status to open the account.
Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security Number or who are 17-year-olds can only open an account at a branch.
There is also no monthly service fee for up to 5 years if you’re a student between the ages of 17-24 at account opening with proof of student status.
You will either need to enroll in direct deposit or maintain an average ending daily balance of $5,000 or higher. You can also use Zelle® to send money to non-Chase bank accounts.
Like other Chase bank customers, you have access to 15,000 Chase ATMs and more than 4,700 branches. Additionally, you can use the Chase Mobile® app to securely deposit checks with the snap of a photo.
Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
JPMorgan Chase Bank, N.A. Member FDIC
Related: Best credit cards for college students
Chase Business Complete Banking
The Chase Business Complete Banking® account is an entry-level business account providing the following complimentary benefits:
- Unlimited electronic deposits, ACH, and Chase QuickDeposit℠
- Access to more than 16,000 ATMs and more than 4,700 Chase branches
- Business specialists available to help with your business needs
- Account Alerts
- 24/7 customer service access
Additionally, account holders have access to built-in card acceptance, which means card payments can be accepted anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept. QuickAccept allows for convenient access to payment processing as card payments are accepted virtually anytime, anywhere in the U.S. It also allows for same-day deposits at no additional cost.
Service members have access to Chase Military Banking. Additionally, Chase’s business debit, deposit, and ATM cards offer members control while providing options for signers and employees access to ATMs or to make purchases. Plus, members have access to Chase mobile and online banking.
There are also multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card, some of the best Chase business credit cards available.
Earn $300 when you when you open a new Chase Business Complete Checking® account. For new Chase Business Complete Banking® customers with qualifying activities.
Best Chase Checking Account Bonuses
Some of the best Chase checking account bonuses (usually after completing the qualifying activities required) are:
- Chase Total Checking®
- Chase Sapphire℠ Checking
- Plus the Chase Business Complete Banking®
Chase Sapphire Checking
The information for Chase Sapphire℠ Checking has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
New Chase checking customers enjoy a $300 bonus when they open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment which is the best Chase checking account offer.
The most loyal Chase customers get the best checking account with Chase Sapphire℠ Checking.
Exclusive benefits of the Chase Sapphire Checking include:
- Fee-free ATMs worldwide
- Higher ATM and purchase limits with Sapphire Banking Debit Card
- Four free overdrafts every 12 months
- No foreign exchange rate adjustment on debit card transactions or withdrawals
- Free investing with You Invest℠ by J.P. Morgan INVESTMENT PRODUCTS: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
You don’t need to own a Chase Sapphire Card to open a Sapphire Checking account. However, you will need to maintain a $75,000 average daily account balance between your Chase banking accounts to waive the $25 monthly account fee.
Chase Premier Plus Checking
The information for Chase Premier Plus Checking℠ has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The Chase Premier Plus Checking℠ is a mid-tier checking account. It’s a good option if you use paper checks or make periodic non-Chase ATMs and currently pay a surcharge.
Premier Plus benefits include:
- Up to 4 non-Chase ATM monthly reimbursements
- Fees waived for money orders, cashier’s checks, and counter checks
- The monthly service fee is waived for linked Chase savings accounts
- Free Chase design paper checks
The monthly fee is $25 per month. It’s waivable when you maintain an average daily balance of at least $15,000 between your various Chase banking accounts. Linking your Chase first mortgage with automatic payments from this Premier Plus account also waives the monthly fee.
Chase First Banking
The information for Chase First Banking℠ has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
A Chase First Banking℠ account can be used by parents to help teach their teens and kids money management. Chase First Banking℠ account is designed with kids 6-12 in mind and available for ages 6-17. It also comes with a debit card for kids and a $0 monthly service fee.
This easy-to-use bank account can also help kids aged 6-17 learn to spend, save and earn with the Chase Mobile® app.
However, there is a non-Chase ATM fee ($3.00 for inquiries, transfers, and withdrawals while using a non-Chase ATM in the US, Puerto Rico, and US Virgin Islands. Fees from the ATM owner/network still apply. $5 per withdrawal and $3.00 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico, and the U.S. Virgin Islands. Fees from the ATM owner/network still apply).
Parents can set limits on where and how money is spent as well as how much can be withdrawn at ATMs. Additionally, alerts can be set up to keep track of expenses. Parents can also pay allowances through the Chase Mobile app.
There is a $0 minimum balance to open the account and a $0 monthly service fee. However, you must be an existing Chase checking customer to open a Chase First Banking℠ account.
Best Chase Business Checking Accounts
There are also three Chase business checking options. For example, you may choose to open one of these accounts if you’re a freelancer or a new LLC (side note, check out some of the best credit cards for LLCs). One of these business accounts can also be a good option if you have a Chase small business credit card.
If you’re a newcomer to business checking accounts, you will notice that you’re more likely to pay fees for various transactions. The best account may depend on how many customer transactions you have.
Plus, you can earn $300 on a new Chase business account.
Learn more: Best Chase business credit cards
Chase Performance Business Checking
The information for Chase Performance Business Checking® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The mid-tier Chase Performance Business Checking® perks include:
- 250 free monthly transactions
- Unlimited free electronic deposits
- $20,000 monthly cash deposit
- Free incoming wires and two outgoing wires per month
- The monthly service fee is waived on a linked personal Chase Premier Plus checking account
- No additional charge for Positive Pay and Reverse Positive Pay Protection
The $30 monthly service fee is waived by maintaining a combined $35,000 minimum daily balance in qualifying business accounts.
Chase Platinum Business Checking
The information for Chase Platinum Business Checking℠ has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Chase Platinum Business Checking℠ is the most deluxe Chase business checking account option.
Benefits include:
- 500 free monthly transactions
- Unlimited electronic deposits
- $25,000 monthly cash deposits
- All incoming wires are free plus the four most expensive outgoing wires per month are free
- Free Positive Pay and Reverse Positive Pay Protection
- Reduced balance requirements for Chase Private Clients
- Monthly fee waived for a linked Chase Business Premier Savings account
The ongoing monthly fee is $95. However, you can waive it with a $100,000 average daily balance in your qualifying business deposit and business investment accounts.
Summary of Best Chase Checking Accounts
In conclusion, these Chase accounts can be a good option if you can waive the monthly account fees. Chase’s personal and business checking accounts are some of the best for brick-and-mortar banks. Owning a Chase bank account can also be a good complement to your existing Chase credit cards.
FAQs
Is Chase a good bank for checking accounts?
Yes, especially if you have one of their many credit cards and if you live near a branch. Also, you can earn a big bonus when opening a Chase checking account.
How do I avoid fees on my Chase checking account?
The best way to avoid fees on any checking account is to maintain the minimum daily balance requirements for that specific checking account. Or, you can maintain a combined daily balance between your linked Chase accounts. Some accounts may also waive the fee with qualifying direct deposits.
As each account has different fee waiver options, read your account’s specific terms and conditions.
Can I have two Chase checking accounts?
Yes, you can have multiple checking accounts. These accounts can either be personal, all-business, or a combination of personal and business checking accounts. The accounts can either be joint or individual accounts.
If you choose a mid-tier or upper-tier account (like the Premier Plus or Sapphire Banking personal checking accounts), your first multiple accounts may also be free.
Does Chase charge for a checking account?
All personal and business Chase checking accounts have a monthly fee. However, it’s possible to waive the annual fee by meeting certain minimum balance or direct deposit requirements. Chase may also waive the monthly fee on your linked savings accounts if you have a checking account.
Below are the current monthly service fees for the Chase personal checking accounts:
- Chase Total Checking®: $12
- Chase Premier Plus Checking℠: $25
- And Chase Sapphire℠ Checking: $25
It’s possible to waive these monthly fees.
The Chase business checking accounts have the following fees:
- Chase Business Complete Banking®: $15
- Chase Performance Business Checking®: $30
- And Chase Platinum Business Checking℠: $95
Like personal checking accounts, it’s possible to waive the monthly fees for business checking options.
INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Currently I have personal checking, savings and Credit cards with Chase bank. I would like to open business checking and savings accounts to get $1,000 in bonus for opening those accounts. Let me know what I need to do to earn this $1,000.