Chase Checking Accounts Review 2025: Fees, Options

Best for: Those who want a standard checking account with an overdraft program and can meet requirements to avoid the monthly fee.

Monthly fee: $12 ($15 effective 08/24/2025); to waive, meet a minimum balance requirement of $1,500 at the beginning of each day or have at least $500 in monthly direct deposits or keep an average beginning day balance of at least $5,000 across Chase accounts.

Minimum opening deposit: $0.

Interest on balances: No.

ATM fees: $3 fee at non-Chase ATMs in the U.S. and its territories, plus any fees from the ATM owner.

Overdraft fees: $34 per overdraft, charged up to 3 times per day. No charge when account is overdrawn by $50 or less at the end of the day.

Best for: Those who want to avoid overdraft fees.

Monthly fee: $4.95; to waive, make electronic deposits into the account totaling $250 or more each month.

Minimum opening deposit: $0.

Interest on balances: No.

ATM fees: $3 fee at non-Chase ATMs in the U.S. and its territories, plus any fees from the ATM owner.

Overdraft fees: None.

Best for: Those who can meet requirements to waive the monthly fee, and want some free out-of-network ATM access.

Monthly fee: $25; to waive, meet a minimum balance requirement of $15,000 or more across linked Chase accounts at the beginning of each day or enroll the account for automatic payments to a linked qualifying Chase first mortgage or be a current U.S. Armed Forces member or veteran.

Minimum opening deposit: $0.

Interest on balances: 0.01% APY (effective 02/20/2025; rates are variable and subject to change).

ATM fees: Four free ATM withdrawals per statement period at non-Chase ATMs (ATM owner fees may still apply.) The $3 fee applies to any additional withdrawals.

Overdraft fees: $34 per overdraft, charged up to 3 times per day. No charge when account is overdrawn by $50 or less at the end of the day.

Best for: Those who can meet steep minimum balance requirements and want overdraft grace and free use of any ATM worldwide.

Monthly fee: $25; to waive, meet a minimum average balance requirement of $75,000 or more across linked Chase accounts at the beginning of each day.

Minimum opening deposit: $0.

Interest on balances: 0.01% APY (effective 02/20/2025; rates are variable and subject to change).

ATM fees: No ATM fees worldwide; fees from ATM owner are refunded.

Overdraft fees: No charge on overdrafts on the first four business days during current and previous 12 statement periods; after that, $34 per overdraft, charged up to 3 times per day. No charge when account is overdrawn by $50 or less at the end of the day.

Sign-up bonus: None.

Best for: Those who can meet steep minimum balance requirements and want overdraft grace, free use of any ATM worldwide and more extensive premium benefits.

Monthly fee: $35; to waive, meet a minimum average balance requirement of $150,000 or more across linked Chase accounts at the beginning of each day, or link a Chase Platinum Business Checking℠ account.

Minimum opening deposit: $0.

Interest on balances: 0.01% APY (effective 11/29/2024; rates are variable and subject to change).

ATM fees: No ATM fees worldwide; fees from ATM owner are refunded.

Overdraft fees: No charge on overdrafts on the first four business days during current and previous 12 statement periods; after that, $34 per overdraft, charged up to 3 times per day. No charge when account is overdrawn by $50 or less at the end of the day.

Sign-up bonus: Up to $3,000 (expires 10/15/2025); our bank bonuses roundup explains how to qualify.

Although some accounts waive out-of-network ATM fees, Chase generally charges $3 per withdrawal from non-Chase ATMs in the U.S. and its territories, plus any fees from the ATM owner. Outside the U.S. and its territories, that fee is $5.

Free access to more than 4,700 branches and more than 15,000 ATMs: This network reaches 48 states and is one of the largest in the U.S.

Chase online and mobile banking: Check balances and pay bills, and set up alerts via text and email. The app also has a mobile check deposit feature.

Zelle: This person-to-person payment service lets you send money online to friends and family, even if they use a different bank. It’s free, and money often arrives within minutes. (Learn more about Zelle.)

Chase debit card with liability protection: If you report unauthorized activity on your card right away, you’ll get reimbursed for the fraudulent charges.

Cardless ATM access: Chase lets you withdraw cash at its ATMs with just your smartphone. Open your mobile wallet app (for example, Apple Wallet), select your Chase debit card (or add it if you haven’t yet), tap the phone to the cardless symbol on the ATM and enter your PIN.

What fees do Chase checking accounts have?

Chase Total Checking®, the bank’s basic checking account, has a monthly fee of $12, though you can get it waived by meeting one of a few requirements. Other fees include $3 for each use of a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. There is also a $34 fee for overdrafts, charged up to 3 times a day (though there's no charge when the account is overdrawn by $50 or less at the end of the day). Scroll down to see other Chase checking fees.

Does Chase have a free checking account?

Almost all Chase checking accounts carry a monthly fee. However, there are ways to get the fee waived on most accounts, such as by keeping a certain balance in the account or setting up direct deposit.

Chase does offer two checking accounts with no monthly fee. The accounts are for children: Chase First Banking and Chase High School Checking.

What is the Chase checking account minimum balance requirement?

There is no minimum balance required to have a Chase checking account, but keeping a certain balance is one way to avoid a monthly fee on some accounts — for example, the $12 monthly fee for Chase Total Checking® is waived if you maintain a $1,500 balance at the beginning of each day.

What is the Chase direct deposit requirement for checking accounts?

Chase doesn’t require direct deposits in order to open or to have a checking account. But for some accounts, one way to avoid the monthly service fee is to meet a minimum requirement of received electronic deposits. For example, Chase Total Checking® account holders can have the $12 Chase monthly service fee waived by receiving at least $500 in monthly electronic deposits.

Is a Chase checking account the right choice?

Chase checking accounts are generally a solid bet if you have easy access to their ATMs and can avoid the monthly fees. But some accounts have steep minimum balance requirements to avoid a monthly fee — it could be more worthwhile to keep your money in a high-yield online savings account where it can earn interest.