Chase Secure BankingSM
Enjoy
$100
as a new Chase checking customer with qualifying activities
No minimum deposit to get started and get your money up to two business days sooner with early direct deposit.1
Get startedButton opens account offer details for Chase Secure Banking
Account subject to approval
Chase Secure BankingSM
No minimum deposit to get started and get your money up to two business days sooner with early direct deposit.1
Open an account
Account subject to approval
A customer signs into her Chase Mobile app on her smartphone
Account DetailsSame page link to Account Details section Chase BenefitsSame page link to Chase Benefit section Compare AccountsSame page link to Compare Accounts section
$4.95 or $0 Monthly Service Fee3
You can avoid the fee with qualifying electronic depositstotaling $250 or more per statement period.4
How to avoid the fee
Read Additional Banking Services and Fees (PDF)
for more information.
Get startedButton opens account offer details for Chase Secure Banking
Open an account
Not sure? CompareSame page link to Compare Accounts section your options.
Manage your money, deposit checks and pay bills or people
from virtually anywhere, all with the Chase Mobile® app.5
Secure Banking customers told us they save an average of more than $40 a month on fees after opening their account.6
A hand inserts debit card into a Chase ATM machine to withdraw money
- Check mark iconNo overdraft fees,2 spend only what
you have - Check mark iconNo fees on money orders or
cashier’s checks - Check mark iconNo fees when you cash checks, send money using Zelle®7 or use a Chase ATM8
- Check mark iconNo fees to pay bills with Chase OnlineSM Bill Pay9
Designed for your
peace of mind
Zero Liability Protection
Get reimbursed for unauthorized debit card transactions when reported promptly with
Zero Liability Protection.10
Early Direct Deposit
Get that "just paid" feeling up to two business days sooner with early direct deposit.1
Credit and Identity
Monitoring
Start building your credit health and enjoy identity theft protection at no cost to you with Chase Credit Journey®.
Budgeting Tools
Manage your spending with Budget11 and get daily spending insights with Snapshot in the Chase Mobile® app.
Account access
and Alerts
Check your balance, pay bills, deposit checks with Chase OnlineSM and the Chase Mobile® app. Plus, set up alerts to monitor your balance, deposits and more.12
Card Lock
Lock and unlock your debit
card if you misplace it.
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Get started with
Chase Secure BankingSM
No minimum deposit to get started.
Get startedButton opens account offer details for Chase Secure Banking
Open an account
Not sure? CompareSame page link to Compare Accounts section your options.
Already a Chase Secure Banking customer?
Make the most of your account.
Learn how
Certified low-cost account
Chase Secure Banking has been certified by Bank On for meeting the National Account Standards as a low-cost, low-fee account since 2019.
Chase Secure BankingSM
No overdraft fees — you spend only what you have.
Get startedButton opens account offer details for Chase Secure Banking
Open an account
Chase
Total Checking®
An easy-to-use account that covers all the essentials.
Learn more
Monthly Service Fee3
Monthly Service Fee3
Monthly service fee for Chase Secure Banking(Service mark)
$4.95 or $0
Avoid feeopens overlay
Monthly service fee for Chase Total Checking(Registered trademark)
$12 or $0
Avoid feeOpens overlay
Early direct deposit - with direct deposit, get your money up to two business days early1
Early direct deposit - with direct deposit, get your money up to two business days early1
Early direct deposit - with direct deposit, get your money up to two business days early reference footnote 1 for Chase Secure Banking(Service mark)
Available
Early direct deposit - with direct deposit, get your money up to two business days early reference footnote 1 for Chase Total Checking(Registered trademark)
—Not Available
Help staying within your account balance
Help staying within your account balance
Help staying within your account balance for Chase Secure Banking(Service mark)
Available
Help staying within your account balance for Chase Total Checking(Registered trademark)
—Not Available
Paper checks
Paper checks
Paper checks for Chase Secure Banking(Service mark)
—Not Available
Paper checks for Chase Total Checking(Registered trademark)
Available
Overdraft services
Overdraft services
Overdraft services for Chase Secure Banking(Service mark)
Spend only the money you have available, without worrying about overdraft fees.2
Overdraft services for Chase Total Checking(Registered trademark)
Available
No fees for money orders and cashier’s checks
No fees for money orders and cashier’s checks
No fees for money orders and cashier’s checks for Chase Secure Banking(Service mark)
Available
No fees for money orders and cashier’s checks for Chase Total Checking(Registered trademark)
—Not Available
Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs
Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs
Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs for Chase Secure Banking(Service mark)
Available
Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 15,000 ATMs for Chase Total Checking(Registered trademark)
Available
Chase Secure BankingSM
Other miscellaneous fees apply. See account details.
Chase Total Checking®
Other miscellaneous fees apply. See the for more information.
1 For Chase Secure CheckingSM only: Early direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions.
2 We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.
3 New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).
IMPORTANT INFORMATION
4 Service Fee: Chase Secure Checking has no Monthly Service Fee when you have electronic deposits made into this account totaling $250 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network. Otherwise a $4.95 Monthly Service Fee will apply. New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).
Product terms subject to change. For more information, please see a banker or visit chase.com/checking.
5 Chase Mobile® app is available for select mobile devices. Message and data rates may apply.
6 Savings represents the average monthly reported savings on fees for money orders, check cashing, US remittances, and bill paying services by 1018 Chase Secure Banking customers who responded to a Chase survey fielded in October 2023. Your savings may vary.
7 Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.
Only send money to people and businesses you trust. Neither Chase nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
8 You may be charged fees for using non-Chase ATMs by both Chase and the ATM owner/network (Surcharge Fees). See the Deposit Account Agreement for details.
9 Chase Online Bill Pay: Must enroll in Chase OnlineSM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.
10 Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.
11 Budget is meant to help you track and manage your spending, and is based on posted transactions within your Chase accounts. You will need at least one Chase checking account and one Chase credit card (some partner debit and credit cards may not be available) to take advantage of this tool. It may not include all your financial activity, such as other sources of income or external transactions. The numbers we provide are updated throughout the day, but are subject to adjustment and correction; consider your full financial picture when making decisions.
12 Account Alerts: There's no charge from Chase, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
Chase Secure BankingSM
Qualifying Transactions
Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits.
Debit card purchases
Online bill payments
Chase QuickDepositSM
Zelle®
ACH credits
Get $100 for new Chase checking customers
Open a new Chase Secure BankingSM account online. It’s a simple $4.95 Monthly Service Fee.1
Complete 10 Qualifying transactionsSame overlay link to Qualifying Transactions section within 60 days of coupon enrollment.2
Offer expires 04/30/2022.
Other miscellaneous fees apply. See account details.
Get Service Fee, Bonus/Account and other Important InformationSame overlay link to Important Information section.
Account subject to approval.
Your bonus will appear in your account within 15 days after completing qualifying activities.
Open an account
Coupon code applied when you click
“Open an account.”
No, thanks. Continue without offer.
Chase Secure BankingSM
Qualifying Transactions
Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits.
Debit card purchases
Online bill payments
Chase QuickDepositSM
Zelle®
ACH credits
IMPORTANT INFORMATION
1There is a $4.95 Monthly Service Fee. Other miscellaneous fees apply. See chase.com/disclosures for more information.
Bonus/Account Information: Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with anegative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollmentdate and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Secure BankingSM account, which is subject toapproval; AND 2) Complete at least 10 qualifying transactions within 60 days of coupon enrollment. After you have completed all the above requirements and the10 qualifying transactions have posted to your account, we'll deposit the bonus into your new account within 15 days. To receive this bonus, the enrolled accountmust not be closed or restricted at the time of payout. Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, orACH credits. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
2Account Closing: If the checking account is closed by the customer or Chase within six months after coupon enrollment, we will deduct the bonus amount at closing.
Chase Online Bill Pay: Must enroll in Chase OnlineSM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.
Chase Mobile® app is available for select mobile devices. Enroll in Chase OnlineSM or on the Chase Mobile® app. Deposits made through the Chase Mobile® app aresubject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile® app for eligible mobile devices, limitations, terms, conditions and details. Enrollment in Zelle® is required. Both parties need aU.S. bank account; only one needs an eligible Chase account. Funds are typically made available in minutes when the recipient’s email address or U.S. mobilenumber is already enrolled with Zelle® (go to https://register.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enrollon the Chase Mobile® app or Chase Online. Limitations may apply. Message and data rates may apply.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
JPMorgan Chase Bank, N.A. Member FDIC
© @(DateTime.Now.ToString("yyyy")) JPMorgan Chase & Co.
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Chase Total Checking®
How to avoid the fee
Monthly Service Fee1
$12 OR $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 FedNowSM network, or (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.
Other fees apply. See the for more information. Account subject to approval.
Learn more
1 New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).
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Chase Secure BankingSM
How to avoid the fee
Monthly Service Fee1
$4.95 OR $0 when you have the following during each monthly statement period:
Electronic deposits made into this account totaling
$250
or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network.
Other fees apply. See Additional Banking Services and Fees (PDF) for more information. Account subject to approval.
Get startedButton opens account offer details for Chase Secure Banking
Open an account
IMPORTANT INFORMATION
1 Service Fee: Chase Secure Checking has no Monthly Service Fee when you have electronic deposits made into this account totaling $250 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network. Otherwise a $4.95 Monthly Service Fee will apply. New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).
Product terms subject to change. For more information, please see a banker or visit chase.com/checking.
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