The Ultimate Guide to Chase Personal Checking Accounts [Types & Benefits]

Chase is a solid financial institution – and beyond their portfolio of banking products, Chase have some of the best credit cards that certainly rival the competition.

But when it comes to banking, you could probably open a checking account with any of a dozen nearby banks. You may want to consider Chase, however, for the long-term value a Chase relationship can provide.

The whole financial package offered by Chase leverages your ability to manage your finances economically. It also allows you to earn valuable rewards with their credit cards and collect cash bonuses for opening new accounts and referring friends.

We’re going to focus on personal checking accounts here because it’s the perfect place to start a relationship with Chase.

In this article we’ll cover:

• Why you’d want a personal Chase checking account
• The types of checking accounts available
• Special checking accounts designed for students and military members
• The best personal Chase credit cards
• How to earn Chase cash bonuses

Let’s get started with an overview of Chase personal checking options and see which may be right for you.

Benefits of a Chase Personal Checking Account

When deciding on a bank to open a personal checking account with, you might want to consider the whole package and what the relationship can do for you in the future. Selecting Chase can be a prudent financial move for a lot of reasons.

Why you should consider building a long-term relationship with Chase:

• Accessibility (more than 4,700 branches and 15,000 ATMs)
• FDIC insured
• Ability to make mobile deposits
• Online banking
• Additional mobile banking tools and account alerts
• 24/7 customer support
• Use Zelle^® for peer-to-peer payments
• Paperless statements
• Special account discounts and benefits for military members
• Special accounts for students
• Ability to link business checking and personal checking accounts
• Higher interest rates and fee waivers for relationship customers
• Strong rewards-earning credit card offerings

Bottom Line: Chase offers all the convenience, technology, and security you would expect from any solid financial institution. Above and beyond that is their superb industry-leading portfolio of rewards-earning credit cards. 

Types of Chase Personal Checking Accounts

An obvious place to begin establishing a financial relationship with Chase would be to open a Chase checking account.

You’ll have several options depending on your financial situation and preferences. If you’re a student or a military member, you’ll find special accounts that are tailored specifically to your needs.

Let’s take a look at the checking account options available at Chase.

Chase Sapphire℠ Checking

Those who have large resources held in Chase checking, savings, and investment accounts can eliminate banking and associated transaction fees with the Chase Sapphire Checking account.

You can also enjoy the benefits of Chase Sapphire Checking by simply paying the monthly service fee. Let’s see if the benefits of the Chase Sapphire Checking outweigh the requirements.

Minimum Deposit to Open: $0

Monthly Service Fee: $25

Waiving the Monthly Service Fee: 

• Keep an average beginning day balance of  $75,000 in combined qualifying Chase accounts and investments

Additional Benefits Over the Chase Premier Plus Checking Account:

• No Chase ATM fees worldwide
• ATM fees charged by the ATM owner will be reimbursed
• No additional fees for insufficient funds or returned items (subject to limits)
• No foreign exchange rate fees
• No monthly service fees on up to 9 linked Chase accounts
• Free safety deposit box
• Commission-free online stock and EFT trades

You don’t need heavy financial resources deposited with Chase to benefit from the Sapphire Checking account.

Even with a $25 monthly service fee, you may realize savings if you frequently use non-Chase ATMs, travel internationally, or have several family checking accounts that currently incur monthly fees.

You can open a Chase Sapphire Checking account online or visit a Chase branch; you can also upgrade an existing Chase checking account.

Hot Tip: If you plan to open a Chase Sapphire Checking account, be sure you check for special sign-up offers, like extra Ultimate Rewards Points!

Chase Total Checking^®

Those who are looking for a straightforward checking account through Chase should explore the Chase Total Checking account.

Click here to open an account.

Minimum Deposit to Open: $0

Monthly Service Fee: $12 ($15, effective August 24, 2025) 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 FedNow^SM 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.

Additional Benefits:

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
• Chase Mobile^® app – Manage accounts, pay bills, send money to friends with Zelle^® and deposit checks from almost anywhere.
• Chase Overdraft Assist^SM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
• Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
• Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
• With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
• Open your account online now
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

One thing to be aware of is the non-Chase ATM fee. There will be a $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.

*With Chase Overdraft Assist^SM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Chase Secure Banking℠

Those who are looking to save money on banking fees.

Minimum Deposit to Open: $0

Monthly Service Fee: $4.95 or $0; Avoid the monthly service fee when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.

Additional Benefits: 

• New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking^SM account* with qualifying transactions. Open online or at any Chase branch.
• Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking^SM customers.
• No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
• No need to worry about overdraft fees – Chase Secure Banking^SM allows you to spend only the money you have available.
• Chase Secure Banking^SM customers told us they save an average of more than $60 per month on fees after opening their account.
• Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking^SM account.
• Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
• JPMorgan Chase Bank, N.A. Member FDIC.

And just like with Chase Total Checking^®, you will also see the same non-Chase ATM fees for the Chase Secure Banking℠:

• $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 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.

^{*The information regarding Chase Secure BankingSM was independently collected by Upgraded Points and not provided nor reviewed by the issuer.}

Chase College Checking℠

Students have specific banking needs. Being busy and on-the-go means digital banking services and easy access to their money are probably priorities.

Chase’s student checking account does all that plus eliminates monthly fees and provides the tools a student needs to become more financially savvy.

Let’s take a look at the features of a Chase College Checking℠ account*.

• Enjoy $125 as a new Chase checking customer when you open a Chase College Checking^SM account and complete 10 qualifying transactions within 60 days of coupon enrollment.
• $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old.
• Wire funds internationally using the Chase Mobile^® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
• Keep track of your money with confidence and control in the Chase Mobile^® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
• With Zelle^®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
• With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won’t be held responsible for unauthorized debit card purchases when reported promptly.
• JPMorgan Chase Bank, N.A. Member FDIC

And as with both Chase Total Checking^® and Chase Secure Banking℠, Chase College Checking℠ will also have the same non-Chase ATM fees:

• $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.

Bottom Line: Geared toward the tech-savvy student who wants to build banking experience and learn how to manage their money, the Chase College Checking℠ account could be a great solution.

^{*The information regarding Chase College Checking℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.}

Chase High School Checking^SM

The not-quite-ready for college set can still learn how to start managing money with a Chase High School Checking account.

Students ages 14-17 can qualify for this special student checking account with their parent/guardian as a co-owner:

• Your teen gets $125 when you open a new Chase High School Checking^SM account together with qualifying activities within 60 days of coupon enrollment
• As a co-owner of the account, you must be present at account opening.
• $0 Monthly Service Fee
• Help your teen build good money habits with their own debit card. Plus, they can add their debit card to their digital wallet.
• Pay and get paid back from friends and family who have an eligible account at a participating U.S. bank. No fees and no waiting days for money to hit their account.
• You and your teen can stay on top of their account activity by choosing which Account Alerts you both want to sign up for — such as low balance, posted payments, and more.
• Chase makes it easy for your teen to access their money from anywhere with the Chase Mobile^® app, plus thousands of ATMs and branches.
• JPMorgan Chase Bank, N.A. Member FDIC

Hot Tip: Non-U.S. students may also qualify to open a High School or College Checking account with proper ID, a residence address (U.S. or foreign), account opening funds, and their passport. 

Chase Checking for Military Members

The Chase Premier Plus Checking account with Chase Military Banking benefits delivers a customized checking account tailored specifically to the needs of military members.

Who Qualifies? 

All active military, reserve, or National Guard members and veterans with valid military ID qualify for the following core benefits:

• No monthly service fee (normally $25)
• Free 3 x 5 safety deposit box
• Fees waived on 4 non-Chase ATM transaction each statement period
• No additional fees for counter checks, money orders, or cashiers checks
• No monthly service fees on up to 2 additional checking accounts
• No monthly service fees on savings accounts
• No monthly service fees on Chase Liquid pre-paid cards

Military members who choose to direct deposit their paychecks receive these additional benefits:

• Fees waived on all non-Chase ATM transactions
• No Chase fee on wire transfers (incoming and outgoing)
• No exchange rate transaction fees at international ATMs or when using debit card for non-USD transactions

If you’re a military member, Chase Military Banking benefits could potentially save you hundreds of dollars a year. Similarly, if you’re active military, see our post on the best credit cards for military members as many issuers waive annual fees and offer reduced interest rates on their cards.

Hot Tip: Chase’s Survivor Program eliminates the debt on mortgages, loans, credit cards, and more for those military members who have been killed in combat or lost their lives due to military service. To learn more about this program, contact Chase at 877-469-0110.

Chase Private Client Banking

For those special clients who carry a $250,000 or more total balance in qualifying Chase accounts, the benefits are many.

Chase Private Clients receive access to special Chase products, priority services, and investment advice. They also receive fee waivers on their accounts and other elite benefits.

If you want to learn more, we’ve created an ultimate guide to Chase Private Client banking.

The Best Chase Personal Credit Cards

A rewards-earning Chase personal credit card can be a great complement to your personal Chase checking and savings accounts.

Whether you want a card that earns rewards on everyday purchases or you’re looking to earn rewards on those travel purchases, Chase credit cards can do it all.

When it comes time to redeem your rewards, you’ll have a lot of choices. First, even their cash-back credit cards earn rewards that can be redeemed for travel.

Additionally, you’ll find travel statement credits, airport lounge access, and more travel value at redemption time with premium Chase credit cards.

You can also earn a great welcome offer bonus when meeting minimum initial spending after card approval.

Here are some of the most popular and rewarding Chase personal credit cards:

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.74% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Earning Cash Bonuses With Chase

Chase New Account Bonuses

We can all use some extra cash, and fortunately Chase often rewards its new customers with cash bonuses! When opening a Chase checking and/or savings account, you could be on your way to earning several hundred dollars.

The amount varies, but when you’re ready to open a Chase account, you’ll want to check to find which bonuses are being offered.

Bonuses for Student Accounts

New account bonuses for student checking may or may not be offered when you’re ready to open an account.

When you’re ready, check here to see if a bonus is currently being offered for a new student checking account.

Make Money by Referring Friends

Have a current Chase checking or savings account and need a little cash?

Just refer your friends (and family) — when they open an account with Chase, you’ll receive a $50 cash bonus. You can refer up to 10 friends per year for a total of $500 extra cash in your account.

To get started, copy your unique referral URL link generated when you access the refer a friend page and share via social media or email.

You can also request Chase to send your friend a personal email invitation (but it can take several days). Your friend must use either link to apply for their account to ensure you receive your bonus.

Hot Tip: New account and referral bonuses are considered interest, so they are taxable income. You will receive a 1099 form from Chase at the end of the calendar year for the amount of the bonus. 

Final Thoughts

I’m obviously a Chase fan, but it’s a valid love affair. I have several Chase checking accounts, savings accounts, an auto loan, previous mortgages, and a large collection of their credit cards. I definitely value the long-term relationship I’ve built with Chase, including my extended credit history with them.

My bias is also fueled by the thousands of dollars in travel I earn every year with Chase Ultimate Rewards points and statement credits. The travel perks of lounge access and the value I may receive when redeeming points with my Chase Sapphire Reserve^® add plenty of additional awesomeness!

The bottom line, of course, is whether Chase can add as much value for you.

I think you’ll find that the whole package of what Chase can do, starting with one of their personal checking accounts, is worth considering a relationship with an institution that offers so much.

The information regarding Chase Premier Plus Checking℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.