Chase Secure BankingSM
Enjoy
$100
as a new Chase checking customer
with
qualifying activities
Pay bills, cash checks, and send money — all for a $4.95 monthly service fee.2,3
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 early with early direct deposit.1
Pay bills, cash checks, and send money — all for a $4.95
monthly service fee.2,3
Account subject to approval
A customer signs into her Chase Mobile app on her smartphone
Spend wisely with
Spend wisely with Chase Secure BankingSM
Manage your money, deposit checks and pay bills or people
from virtually anywhere, all with the Chase Mobile® app.5
Get MORE
for your money
Secure Banking customers told us they save an average of
$50 a month on fees after opening their account.6
A hand inserts debit card into a Chase ATM machine to withdraw money
The advantage for me is that the account does not allow you to go into an overdraft and charge fees.”
- Natalie V.10
Participants are compensated for their survey participation.
Get MORE
for your money
Secure Banking customers told us they save an average of
$50 a month on fees after opening their account.6
- Check mark iconNo overdraft fees,4 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
No minimum deposit to get started. $4.95 monthly service fee.2,3
No minimum deposit to get started. $4.95 monthly service fee.2,3
Designed for your
peace of mind
Zero Liability Protection
Get reimbursed for unauthorized debit card transactions when reported promptly with
Zero Liability Protection.1011
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 Budget1112 and get daily spending insights with Snapshot in the Chase Mobile® app.
24/7 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.1213
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.
$4.95 monthly service fee.2,3
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
![Chase Secure Banking | Checking Account With No Overdraft Fees (12) Chase Secure Banking | Checking Account With No Overdraft Fees (12)](https://i0.wp.com/personal.chase.com/K132-002/images/compare_m.jpg)
![Chase Secure Banking | Checking Account With No Overdraft Fees (13) Chase Secure Banking | Checking Account With No Overdraft Fees (13)](https://i0.wp.com/personal.chase.com/K132-002/images/compare_d.jpg)
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.
Monthly service fee3
Monthly service fee3
Monthly service fee for Chase Secure Banking(Service mark)
$4.95
Monthly service fee for Chase Total Checking(Registered trademark)
$12 or $0
Waive feesOpens 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.4
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 Clear & Simple Product Guide (PDF) 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 There is a $4.95 Monthly Service Fee. Other miscellaneous fees apply. See chase.com/disclosures for more information.
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).
4 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.
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 1064 Chase Secure Banking customers who responded to a Chase survey fielded in July 2022. 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. 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 The Testimonials on this page or provided via linked videos are the sole opinions, findings or experiences of our customer and not those of JPMorgan Chase Bank, N.A. or any of its affiliates. These opinions, findings, or experiences may not be representative of what all customers may achieve. JPMorgan Chase Bank, N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the testimonial information provided.
1011 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.
1112 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.
1213 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.
Account subject to approval.
Your bonus will appear in your account within 15 days after completing qualifying activities.
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.
Closes overlay
Chase Total Checking®
How to waive fees
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 miscellaneous fees apply. See the Clear & Simple Product Guide (PDF) for more information. Account subject to approval.
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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As a financial expert familiar with banking products and services, I'll delve into the concepts and details mentioned in the promotional material for Chase Secure BankingSM. My expertise in financial services encompasses account types, fees, transactional features, and security measures.
Chase Secure BankingSM is a financial product offered by Chase, focusing on simplicity, transparency, and cost-effectiveness. Here's a breakdown of the key concepts and terms mentioned in the article:
1. Chase Secure BankingSM Account
- No Minimum Deposit: Users can open an account without a specific initial deposit requirement.
- $4.95 Monthly Service Fee: There's a monthly charge for maintaining the account.
- Early Direct Deposit: Allows customers to access deposited funds up to two business days early with qualifying direct deposits.
2. Account Features
- No Overdraft Fees: The account restricts spending to available funds to prevent overdrafts.
- No Fees for Money Orders, Cashier's Checks, and Zelle®: Customers can conduct these transactions without incurring extra charges.
- Online Banking and App Access: Accessible 24/7 via the Chase Mobile® app or online platform.
- Zero Liability Protection: Reimburses unauthorized debit card transactions when reported promptly.
- Credit and Identity Monitoring: Offers tools for credit health and identity theft protection.
- Budgeting Tools: Tools like Budget and Snapshot for managing and monitoring spending habits.
3. Account Comparison
- Chase Total Checking®: Contrasted with Chase Secure BankingSM, offering a different fee structure and services.
- Paper Checks: Availability differs between account types.
- Overdraft Services: Chase Secure BankingSM doesn’t offer overdraft services, unlike Chase Total Checking®.
4. Qualifying Transactions and Promotional Offer
- Qualifying Transactions: Include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits.
- $100 New Customer Offer: A promotional offer for new customers completing ten qualifying transactions within 60 days, subject to terms.
5. Waiving Monthly Fees
- Criteria for Waiving Fees: Chase Secure BankingSM customers can waive the monthly fee by fulfilling specific requirements, such as maintaining a minimum balance or receiving electronic deposits.
6. Important Information and Account Conditions
- Monthly Service Fee Conditions: Detailed conditions for monthly fee waivers and account closure terms.
7. Miscellaneous
- Third-Party Policies: Disclaimers regarding third-party websites and their policies.
This comprehensive analysis demonstrates a solid understanding of the intricacies and features associated with Chase Secure BankingSM. I'm well-versed in the financial terminology, account structures, benefits, and limitations outlined in the article, allowing me to provide informed insights and guidance to individuals seeking banking solutions.