Chase

Chase: personal banking and checking accounts in the United States

Chase is a financial institution that operates in the United States and is part of JPMorgan Chase & Co. Its offerings for individuals include checking accounts, savings accounts, certificates of deposit (CDs), credit cards, mortgages, home equity loans, and investment services through J.P. Morgan advisors. The institution also serves businesses through Chase for Business and Commercial Banking.

Checking accounts for every profile

Chase's checking account lineup is organized into several categories. Chase Total Checking is presented as the most popular and allows you to write checks and make wire transfers; its monthly service fee is $15, though it can be avoided by meeting certain conditions. Chase Secure Banking is aimed at those seeking essential banking services with no overdraft fees and lets you get your paycheck up to two days early; its monthly service fee is $4.95, except for account owners between 17 and 24 years old, who pay no fee. Chase Premier Plus Checking is designed for those who want to optimize their finances, with no Chase fees on ATMs across the globe and no foreign exchange rate adjustment fees, plus perks for military members; its monthly service fee is $25 or $0 if you meet any of the fee-waiver conditions.

Products for students, minors, and premium clients

Chase First Banking is a parent-owned account designed for kids ages 6 to 12, available until age 17, which includes a debit card with parental oversight and tools to learn money basics; there is no monthly service fee but it requires an eligible account. Chase High School Checking is a jointly owned account between parents and teens ages 13 to 17, which must be opened in a branch and offers access to Zelle and direct deposit, with no monthly service fee. For wealth management clients, Chase Private Client Checking provides support from a dedicated banker and investment guidance from J.P. Morgan Wealth Management, with higher daily transaction limits, no fees on ATMs across the globe, and a 24/7 priority service line; its monthly service fee is $35 or $0 if the waiver conditions are met.

Current promotion on the site

The site indicated a promotion for new checking customers: get $175 when you open a Chase Secure Banking account with qualifying transactions. The monthly service fee for this account is $0 for customers ages 17 to 24.

Branch network and digital services

Chase has more than 14,000 ATMs and 5,000 branches. The Chase Mobile app lets you manage your money, deposit checks, and pay bills or people from virtually anywhere. The card lock feature lets you lock and unlock your debit card if it is lost.

Frequently asked questions about the accounts

The institution explains that the Secure Banking account is designed to avoid overdraft fees by limiting spending to available funds. A checking account is a type of bank account that lets you deposit money, withdraw funds, and manage daily transactions, with access through checks, debit cards, and electronic transfers, and includes services such as direct deposit, online banking, and bill pay. The checking account number can be found on your checkbook, in the account details section of online banking, or on your bank statement.