Types Of Accounts At Chase: What You Should Know

What are the different types of accounts at Chase? Understanding the types of accounts at Chase can help you choose the best options for your financial needs. From basic checking and savings accounts to more specialized options like CDs, retirement accounts, and business banking solutions, Chase offers a variety of accounts designed to cater to diverse banking requirements. In this post, we’ll explore each type and its benefits.

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Table of Contents

Table of Chase Account Types and Fees

Account Type	Monthly Fee	Minimum Balance to Waive Fee	Features	Additional Notes
Chase Total Checking	$12	$1,500 daily balance	Online banking, mobile deposits, Zelle transfers	Fee waived with $500 direct deposit/month
Chase Premier Plus Checking	$25	$15,000 combined balance	Interest-bearing, free checks, no Chase ATM fees	4 free non-Chase ATM transactions/month
Chase Sapphire Checking	$34	$75,000 combined balance	No fees on wire transfers, higher interest rates	Access to Sapphire banking perks
Chase College Checking	$6	$0 with student status	No fee for 5 years while in college	Fee waived for up to 5 years
Chase Savings	$5	$300 daily balance	Automatic savings program, overdraft protection	Fee waived with $25 monthly auto transfer
Chase Premier Savings	$25	$15,000 daily balance	Higher interest rates, overdraft protection	Interest rates increase with balance tiers
Chase CD	$0	Varies by term and amount	Fixed interest rates, flexible terms	Early withdrawal penalties apply
Chase Business Complete Checking	$15	$2,000 daily balance	Unlimited electronic deposits, mobile banking	Fee waived with $2,000 minimum balance

This table provides an overview of various Chase account types, their associated monthly fees, and the minimum balance requirements to waive those fees, along with key features and additional notes for each account type.

Chase Total Checking

Chase Total Checking is a popular checking account offered by Chase Bank. It provides essential banking services, including online and mobile banking, access to over 16,000 ATMs and 4,700 branches nationwide, and features such as direct deposit, Chase QuickPay with Zelle, and overdraft protection.

How To Avoid Chase Total Checking Fees

To avoid fees on your Chase Total Checking account, you can:

Maintain a minimum daily balance of $1,500.
Have $500 or more in direct deposits each month.
Keep an average beginning day balance of $5,000 or more in any combination of qualifying Chase accounts.

How To Waive Chase Total Checking Fee

The monthly service fee for Chase Total Checking, typically $12, can be waived if you meet one of the following requirements:

Have monthly direct deposits totaling $500 or more.
Maintain a daily balance of $1,500 or more.
Keep an average beginning day balance of $5,000 or more across qualifying linked Chase accounts.

How To Avoid Chase Total Checking Monthly Service Fee

To avoid the monthly service fee for Chase Total Checking, you need to:

Set up direct deposits totaling $500 or more each month.
Maintain a daily minimum balance of $1,500 in the account.
Have an average beginning day balance of $5,000 or more across linked Chase accounts.

What Is The Difference Between Chase Total Checking And Secure Banking?

The main differences between Chase Total Checking and Secure Banking are:

Monthly Fee: Chase Total Checking has a $12 fee that can be waived, while Secure Banking has a $4.95 fee that cannot be waived.
Overdraft Protection: Total Checking offers overdraft protection; Secure Banking does not, ensuring no overdraft fees.
Features: Total Checking includes more comprehensive features like paper checks, while Secure Banking is designed for simpler banking needs with no check-writing ability.

How To Change Chase College To Total Checking

To change your Chase College Checking account to a Chase Total Checking account:

Visit a local Chase branch.
Speak with a banker to request the account change.
Ensure you meet the requirements for Chase Total Checking to avoid monthly fees.
Alternatively, you can call Chase customer service for assistance with the account transition.

Chase Premier Plus Checking

Chase Premier Plus Checking is an enhanced checking account offered by Chase Bank that provides additional benefits compared to basic checking accounts. It includes features like interest on your balance, free Chase checks, and no fees at non-Chase ATMs (up to four per statement period).

What Are Chase Premier Plus Checking Benefits?

Chase Premier Plus Checking offers several benefits, including:

Interest earned on your balance.
Four free non-Chase ATM transactions per statement period.
Free Chase checks and discounts on other check styles.
No monthly service fee on up to two additional linked Chase checking and savings accounts.
Overdraft protection when linked to a Chase savings account.
Access to enhanced customer service.

What Is Chase Premier Plus Checking Minimum Balance?

There is no minimum balance requirement to open a Chase Premier Plus Checking account. However, maintaining a certain balance is necessary to avoid the monthly service fee.

What Is Chase Premier Plus Checking Monthly Fee And How To Avoid It?

The monthly fee for Chase Premier Plus Checking is $25. To avoid this fee, you can:

Maintain an average beginning day balance of $15,000 or more in any combination of linked deposits and investments.
Have a linked Chase mortgage enrolled in automatic payments from your Chase account.

How To Get Chase Premier Plus Checking Debit Card

To get a Chase Premier Plus Checking debit card:

Open a Chase Premier Plus Checking account at a branch or online.
Once your account is approved and opened, you will receive your debit card in the mail within 7-10 business days.
You can activate the card through Chase’s website, mobile app, or by calling the activation number provided.

What Is Chase Premier Plus Checking Wire Transfer Fee?

The wire transfer fees for Chase Premier Plus Checking are:

Domestic wire transfers: $25 per transfer.
International wire transfers (in USD): $40 per transfer.
International wire transfers (in foreign currency): $5 per transfer if done online, and $50 per transfer if done at a branch.

Chase Premier Plus Checking Vs Total Checking

Feature	Chase Premier Plus Checking	Chase Total Checking
Monthly Fee	$25	$12
Fee Waiver Requirements	$15,000 combined balance or Chase mortgage	$1,500 daily balance or $500 direct deposit
Interest	Yes	No
Non-Chase ATM Fee	4 free per statement period	$2.50 per transaction
Checks	Free Chase checks	Standard fees apply

Chase Sapphire Checking Account

Chase Sapphire Checking is a premium checking account offered by Chase that comes with several benefits. However, it also has a monthly service fee unless you meet certain requirements.

Chase Sapphire Checking Benefits

Here are some of the benefits of having a Chase Sapphire Checking account:

No ATM fees worldwide: You won’t be charged any fees for using any ATM, including those not part of the Chase network.
No foreign transaction fees: When you use your debit card for purchases in a foreign currency, you won’t be charged any additional fees by Chase.
Fewer overdraft fees: Chase Sapphire Checking offers some overdraft protection. You can avoid overdraft fees up to four days a year.
Other benefits: You may also be eligible for other benefits depending on your relationship with Chase, such as discounts on safety deposit boxes or waived stop payment fees.

Chase Sapphire Checking Bonus

Chase Sapphire Checking itself doesn’t currently advertise a specific bonus for opening the account. Chase does however offer bonuses for opening other checking accounts, like their Total Checking which comes with a $300 bonus if you meet their direct deposit requirements.

Chase Sapphire Checking Requirements

There are no specific activity requirements to open a Chase Sapphire Checking account. However, to avoid the monthly fee, you need to maintain an average beginning day balance of at least $75,000 in combined qualifying Chase deposits and investments. This can include funds in your Chase Sapphire Checking account, other Chase checking accounts, savings accounts, or investment accounts.

What Is $1,000 Chase Sapphire Checking Bonus?

The $1,000 Chase Sapphire Checking bonus is a promotional offer where new customers can receive a cash bonus for opening a Chase Sapphire Checking account and meeting specific requirements. The bonus amount and terms can vary, so it’s important to check the current promotion details on the Chase website or with a Chase representative.

How To Get $1,000 Chase Sapphire Checking Bonus?

To get the $1,000 Chase Sapphire Checking bonus, follow these steps:

Open a new Chase Sapphire Checking account during the promotional period.
Deposit a minimum amount (typically $75,000 or more) in new money within a specified timeframe (usually within 45 days of account opening).
Maintain the minimum balance for a specified period (usually 90 days from the deposit date).
Ensure you meet all other terms and conditions of the promotion.

What Is Chase Sapphire Checking Wire Transfer Fee?

Chase Sapphire Checking does not charge fees for both domestic and international wire transfers, which is one of the key benefits of this premium account.

Is Chase Sapphire Checking Worth It?

Chase Sapphire Checking can be worth it for customers who can maintain the $75,000 balance required to waive the $25 monthly fee. The account offers numerous benefits, such as no wire transfer fees, no ATM fees worldwide, higher interest rates, and exclusive access to events. For those who frequently travel or want premium banking services, the benefits can justify the higher balance requirement.

Chase Sapphire Checking Fees

The monthly service fee for Chase Sapphire Checking is $34. However, you can avoid this fee by maintaining an average beginning day balance of $75,000 or more in qualifying Chase accounts, or by having a qualifying Chase mortgage linked to the account with automatic payments.

Chase Sapphire Checking Minimum Balance

There is no minimum balance required to open or maintain a Chase Sapphire Checking account. However, to avoid the $34 monthly service fee, you need to maintain an average beginning-day balance of at least $75,000 in qualifying Chase accounts.

How To Get Chase Sapphire Checking Debit Card

Once you open a Chase Sapphire Checking account, you will automatically receive a debit card in the mail within 7-10 business days. You can also request a temporary debit card while you wait for your permanent one.

Chase Sapphire Checking Review

Chase Sapphire Checking is a premium account that caters to customers seeking enhanced banking services and exclusive benefits. With no fees on wire transfers, access to worldwide ATMs without fees, and higher interest rates, this account stands out for those who maintain a higher balance. The $25 monthly fee is waived with a $75,000 balance across linked accounts. Overall, it’s ideal for those who can meet the balance requirement and want premium perks.

What Is Chase Sapphire Checking?

Chase Sapphire Checking is a premium checking account offered by Chase Bank. It provides exclusive benefits such as no fees on wire transfers, higher interest rates on deposits, no ATM fees worldwide, and access to unique events and experiences. It is designed for customers who maintain a significant balance across their Chase accounts.

Chase Sapphire Checking Account Minimum Balance

To avoid the $25 monthly service fee for Chase Sapphire Checking, you must maintain an average beginning day balance of $75,000 or more in any combination of linked qualifying Chase banking accounts, including deposits and investments.

What Is Chase Sapphire Checking Foreign Transaction Fee?

Chase Sapphire Checking does not charge foreign transaction fees on debit card purchases made outside the United States. This benefit makes it an excellent choice for frequent travelers who want to avoid additional charges when using their debit card abroad.

Chase College Checking Bonus

Chase often offers a sign-up bonus for new Chase College Checking account holders. These promotions typically involve a cash bonus for opening a new account and meeting certain requirements, such as making a minimum number of debit card transactions or setting up direct deposits. For the latest bonus offers, visit the Chase website, check with a local branch, or search for current promotional codes online.

Chase College Checking After Graduation

After graduation, the Chase College Checking account remains active, but certain changes may apply:

Fee Structure: The account’s monthly service fee of $6 is waived for up to five years from the date of account opening. After this period, the standard fee applies unless you meet the criteria to waive it.
Fee Waiver: To continue waiving the fee after the initial five years or graduation, you can:
- Make at least one direct deposit into the account each statement period.
- Maintain an average ending day balance of $5,000 or more.
Account Conversion: If you no longer qualify for the student benefits, you may need to convert your College Checking account to another type of Chase checking account, such as Chase Total Checking. This conversion can be done by visiting a local Chase branch or contacting customer service.

Maintaining an understanding of the changes and available options will help you manage your account effectively after graduation.

Chase Business Account Types

Chase offers a variety of business banking solutions, including checking accounts. Here are the main Chase Business Checking Account types:

Chase Business Complete Banking: This account targets low-volume businesses with a $15 monthly fee, waivable by meeting specific requirements like minimum balance or using Chase QuickAccept® for deposits.
Chase Performance Business Checking: This account caters to businesses with higher transaction volume, featuring a $30 monthly fee that can be waived by maintaining a larger combined average balance.
Chase Platinum Business Checking℠: This premium account targets large businesses with a $95 monthly service fee, waived by maintaining a very substantial combined average balance.

Does Chase College Checking Have Fees?

Yes, Chase College Checking has fees, but many can be avoided. The main fees include:

Monthly service fee: $6 (waived for up to five years while the student is in college).
Non-Chase ATM fee: $2.50 per transaction at non-Chase ATMs in the U.S.
Overdraft fee: $34 per item, up to three overdraft fees per day.
Various fees for additional services like wire transfers and stop payments.

Chase College Checking vs Total Checking

Feature	Chase College Checking	Chase Total Checking
Monthly Fee	$6 (waived for up to five years)	$12 (can be waived)
Fee Waiver Requirements	Proof of student status or $5,000 balance	$1,500 daily balance or $500 direct deposit
Non-Chase ATM Fee	$2.50 per transaction	$2.50 per transaction
Overdraft Protection	Available	Available
Promotional Offers	Often includes student-friendly promotions	Varies
Target Audience	College students	General public

Chase College Checking Foreign Transaction Fee

The Chase College Checking account charges a foreign transaction fee of 3% of the amount of each transaction made outside the U.S. This fee applies to both ATM withdrawals and debit card purchases.

Chase College Checking Promo

Chase often runs promotional offers for new Chase College Checking accounts. These promotions may include a cash bonus for opening a new account and meeting specific requirements, such as making a certain number of transactions or maintaining a minimum balance. To find the latest promotions, you can visit the Chase website, check with a local branch, or search for current promotional codes online.

What Are People Saying About Chase Sapphire Checking On Reddit

Here’s a summary of what people are saying about Chase Sapphire Checking on Reddit:

Benefits: Users discuss the benefits of Chase Sapphire Checking, such as worldwide ATM fee reimbursement, waived foreign transaction fees, and increased overdraft protection.
Minimum Balance: The $75,000 minimum balance requirement to avoid the monthly fee is a common point of discussion. Some Redditors find it manageable if they can meet it by combining balances across Chase accounts and investments, while others find it too high.
Comparison to other accounts: Some Redditors compare Chase Sapphire Checking to other Chase checking accounts or even accounts from different banks to determine if it’s the right fit for them.
Unclear Bonus: There’s some confusion about Chase Sapphire Checking having a bonus since Chase doesn’t currently advertise one specifically for this account.

It’s important to note that these are just some of the things people are saying on Reddit, and individual experiences may vary. Here are some tips for finding relevant threads on Reddit:

Search for terms like “Chase Sapphire Checking review” or “Chase Sapphire Checking pros and cons”.
Look at subreddits like r/personalfinance or r/churning where users discuss bank accounts and credit cards.

Remember, Reddit can be a valuable resource for getting different perspectives, but it’s always wise to do your own research and consider your specific financial situation before making any decisions.

Chase College Checking Account

Chase College Checking is a specialized checking account designed for students. It offers convenient banking solutions, including online and mobile banking, free access to Chase ATMs, and no monthly service fee for up to five years while the student is in college.

What Is Chase College Checking Minimum Balance?

There is no minimum balance requirement for the Chase College Checking account. This makes it an attractive option for students who may not have a significant amount of money to deposit initially.

What Are Chase College Checking Fees?

Chase College Checking fees include:

Monthly service fee: $6 (waived for up to five years while the student is enrolled in college).
Non-Chase ATM fees: $2.50 per transaction at non-Chase ATMs in the U.S.
Overdraft fees: $34 per item, up to a maximum of three overdraft fees per day.
Other miscellaneous fees: Fees may apply for services like wire transfers, stop payments, and returned items.

How To Avoid Chase College Checking Monthly Fee

To avoid the $6 monthly fee for Chase College Checking:

Provide proof of student status to get the fee waived for up to five years.
After five years or if not enrolled, the fee can be waived with one of the following:
- At least one direct deposit made to the account each statement period.
- Maintain an average ending day balance of $5,000 or more.

Chase College Checking Account Coupon

Chase often offers promotions and coupons for new Chase College Checking account holders. These promotions can include cash bonuses for opening an account and meeting certain criteria. To find current offers, you can visit the Chase website, check with your local branch, or search online for available coupons and promotional codes.

Chase Bank Checking Account Types

Chase offers various checking accounts for personal banking needs. Here are some of their main types:

Chase Total Checking®: This account is suitable for everyday banking with a monthly fee that can be waived by meeting specific requirements like direct deposits.
Chase Sapphire Checking℠: This premium account offers benefits like worldwide ATM fee reimbursement and waived foreign transaction fees, but comes with a monthly service fee unless you maintain a high combined balance in qualifying Chase accounts.
Chase Secure Banking℠: This account prioritizes security features and offers basic banking functionalities with a low monthly fee.

Note: There might be other Chase checking account options available depending on your specific needs and location.

Chase Personal Checking Account Types (Summary)

For your convenience, Chase personal checking accounts can be broadly categorized as:

Everyday Banking Accounts: Designed for basic banking needs with features like debit card access and bill pay. (e.g., Chase Total Checking®)
Premium Checking Accounts: Offer additional benefits like travel rewards or ATM fee reimbursements, but typically come with higher fees or minimum balance requirements. (e.g., Chase Sapphire Checking℠)
Security-focused Accounts: Prioritize security features and may have lower fees but offer fewer features. (e.g., Chase Secure Banking)

What Is Chase Traditional Savings Account Typical Interest Rate?

The typical interest rate for a Chase traditional savings account, like Chase Savings, is relatively low, often around 0.01% APY. For the most current rates, it’s best to check Chase’s official website or contact a Chase representative, as rates can change.

What Are Chase Customer Service Numbers?

Chase customer service numbers include:

General Customer Service: 1-800-935-9935
Credit Card Customer Service: 1-800-432-3117
Business Banking: 1-800-242-7338
Online and Mobile Banking Technical Support: 1-877-242-7372

These numbers are available 24/7 for assistance with various banking needs.

What Does Chase Savings Account Offer?

A Chase savings account offers several features, including:

Competitive interest rates
Online and mobile banking access
Automatic savings programs
Overdraft protection when linked to a Chase checking account
FDIC insurance for your deposits
Easy transfers between Chase accounts

These features make it convenient to save and manage your money securely.

Conclusion

In conclusion, Chase Bank offers a diverse range of accounts to meet various financial needs. From basic checking and savings to specialized accounts like business and retirement accounts, there’s a suitable option for everyone. Understanding the features and benefits of each account type can help you make informed decisions and manage your finances effectively with Chase.