is chase college a checking account

There's no downside to opening a College Checking account with Chase, since there's no monthly service fee or minimum balance requirements for. One of the best college checking accounts available to students today comes from Chase. The Chase College Checking℠ account is available to. Our flexible Chase savings account with no monthly service fee Footnote(Opens Overlay) for students can help you save for your goals during and after college.

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Why CHASE Is The Best National Bank

How to Close a Chase Checking Account

Closing a checking account can take several days.

Image Credit: AndreyPopov/iStock/GettyImages

Closing a Chase Bank checking account requires you to gather a bit of information to go through the procedure over the phone, in person or by mail. You can't close your account by yourself online. Following a few simple steps, you should have no problem closing your account.

Get Your Account Ready

When you are ready to close your account, you might have a balance in it. Empty your account before you close it.

You can empty your account using a debit card (if you received one with your account) to make a withdrawal at an ATM, writing a check to cash or yourself and presenting it at your bank (or other check-cashing institution) or writing a check to someone else who can cash it for you.

You can also transfer money electronically from your Chase checking account to another account you have. This could take a few days, so make sure not to wait until the last minute to do this.

Depending on the date you close your account, you might have to pay any monthly fee billed to your account each month. For this reason, it's a good idea to call Chase and talk to a customer service representative before you zero out your balance.

Review Auto Payments

In addition, make sure you don't have any recurring payments set up that draft from your checking account. This could include credit cards, utilities, auto loans, mortgages, subscriptions or other accounts you've set up to draft from your account each month. To avoid missing any annual recurring payments, review 12 months' worth of checking account statements.

Don't forget to notify anyone who has been paying (or is expecting to pay you) by making a direct deposit into your checking account. Reviewing 12 months' worth of statements might help jog your memory regarding who might try to pay you via direct deposit into this checking out in the future.

Call to Begin the Process

The quickest way to close your account might be to call Chase and have a customer service representative close your account. Have the following information ready for the customer service representative:

  • Your full name
  • Checking account
  • Your mailing address
  • Phone number
  • Social Security number
  • Current balance
  • Debit card number

Call 800-242-7338. Follow the prompts, which might include entering the last four digits of your account and your zip code. When you get through to a customer service representative, you might need to provide more information. Ask to close your account and follow the person's directions.

Visit a Chase Bank

If you have a Chase bank branch near you, call to find out if you is chase college a checking account an appointment to come in and close your account or if you can do it as a walk-in transaction. Find out what days and times account reps are not usually busy.

Go to the bank and ask to speak with a banking representative. Have your photo ID, checking account number, one copy of your checking account statement, your checkbook and debit card. You won't need all of these to close your account, but the more documents you have, the less chance there'll be that you don't have all the information the bank needs. For example, you might not need your checkbook, statement and debit card, but you will need your account information.

Once you close the account, your bank rep might offer to destroy your checks or debit card for you. Be prepared for a sales pitch before the closing process starts. The bank rep might have a script she is required to go through when customers ask to close an account. She might offer to waive your fees or offer other incentives for you to stay with Chase.

Visit the Chase Website

Go to the Chase bank website and log in to your account if you've set one up. If not, create an account. You'll need information such as your name, account number, the phone number associated with the account, Social Security number and mailing address.

Use the search tool and enter the word "cancel" or "close" or a phrase like "close my account."

As of July 2021, you can't close a Chase checking account online by yourself. You will be asked to schedule a phone call from Chase, which will take approximately two days to receive. Click on the Secure Message Center link to start this process. You can navigate directly to the scheduling page using this link. You can find more contact information using this link.

Cancel By Mail

To cancel your account in writing, visit the Chase website to find their latest mailing address. As of July 2021, their customer service address was:

To send an overnight certified letter, use:

Different websites provide a variety of phone numbers and email addresses to contact Chase. Your is chase college a checking account account statements might even have two addresses: a return address and a payment mailing address. If you can, call Chase to verify that the above addresses are the current ones to use.

You'll need is chase college a checking account provide information relating to your account. The more the better (e.g. name, address, account number, last transaction amount, Social Security number, phone number).

Again, it's a good idea to contact Chase by phone first to make sure you follow the correct steps to cancel your account in writing. The customer service representative might be able to send you a form to fill out or direct you to a web page where you can download the form.


Chase Checking Account Bonuses: $100 – $600!

If you’re a new Chase customer opening a College, Total, or Premier Plus checking account, you qualify for a welcome bonus offer of $100, $200, or even $300, respectively. Yes, up to $300. This offer is valid until July 20, 2020.

While we are going to focus on the Chase Bank checking account is chase college a checking account for this article, please note that it is also possible to lock in up to $600 from Chase Bank by doing the following:

  1. Open a new Chase Total Checking account + set up direct deposit
  2. Open a Chase Savings account with $15,000 in new money within 20 days + maintain this avg balance for 90 days.

The savings account only pays an APY of 0.02% and comes with some steep deposit requirements to capture this bonus.

To read more about this opportunity click here.

Now back to the checking account bonuses…

The checking account bonuses that pay up to $300 are far more attainable and don’t require you to lock up funds in a low paying savings account.

There are pros and cons to each of these accounts, so you’ll want to learn more about the options before you decide.

Read more about these offers, account terms, potential fees and how to avoid them.

In this post you'll learn:

A Chase College Checking account is perfect for students ages 17 to 24 years old.

They’re fairly basic and don’t come with many bells and whistles. They do, however, offer a safe place to stash cash while in school and with great accessibility.

This account does not require a minimum opening deposit to open and a $6 monthly maintenance fee can is chase college a checking account waived quite easily.

To open one of these, you’ll need to prove that you’re a student at a college or university with a transcript or acceptance letter. You’ll also need to have a Social Security number (if you don’t, visit a branch to discuss your options). This account can be opened online or in person.

How to waive the $6 monthly fee?

The $6 monthly maintenance fee associated with this account can be waived by doing just one of the following:

  1. prove that you are a college student (for up to 5 years),
  2. set up a direct deposit into this account, or
  3. maintain an average daily balance of at least $5,000.

This account (and all other Chase checking accounts) offer Overdraft Protection through standard overdraft practice.

If you choose to opt into this, you must link your checking account to your Chase savings account. Then Chase will make payments for you from the savings account when you overdraw your checking account. Note that this is done at their discretion and there is no guarantee it will happen every time.

In the event of an overdraft, you will incur a $34 fee. You will also incur a $34 fee every time a check or automatic payment is returned due to insufficient funds.

Chase also offers Debit Card Coverage, which, when activated, will decline transactions—without charging a fee—that would cause your account balance to go negative. Sign up for account alerts when your balance gets low and opt into this Debit Card Coverage if you’d like to avoid declined payments or overdrafts and the fees that come with them.

Other fees associated with this account include:

  • $15 per incoming wire transfer,
  • $25 per outgoing domestic wire transfer,
  • $12 returned check fee,
  • $6 paper statement fee (see this ​deposit account agreement​ for a complete list of fees for all accounts).
  • $2 for each page of printed personal checks. 3 per page.
  • $2.50 charge for out-of-network ATM usage.

How to qualify for the $100 bonus:

To qualify for the $100 bonus, make sure you make 10 qualifying transactions—such as purchases with your debit card, QuickDeposits, online bill payments, etc.—within 60 days of opening the account. Use this link to access the offer.

The Chase Total Checking account is one of the bank’s more popular deposit products. And from now until July 20, 2020 this account features a $200 sign-up bonus for new customers.

How to qualify for the $200 bonus:

Anyone can open this account with a minimum deposit of just $25. To earn the $200 bonus you will need to set up a direct deposit to this account within 90 days of opening it. This direct deposit must come from an employer, government agency in the form of benefits (social security) or pensions. Person to person payments are not considered direct deposits.

The direct deposit requirement to earn the cash bonus is often the largest ‘catch’ for offers like these. Early this week we covered the $400 Wells Fargo checking account bonus which had similar requirements.

Use this link to access the Chase Total Checking bonus offer.

Fees and how to avoid them:

This account has a $12 monthly service fee that you can avoid by meeting one of the following criteria:

  1. setting up direct deposits totaling $500 or more,
  2. maintaining an average daily balance of at least $1,500 in just this account, or
  3. maintaining an average daily balance of at least $5,000 across all linked deposit and investment accounts.

The insufficient funds and returned item overdraft fees of $34 each apply to all Chase checking accounts, and so does Debit Card Coverage, if you choose to use it. Overdraft protection options are also the same on all accounts.

This is a standard checking account, which doesn’t earn interest.

The Chase checking account that will give you the highest signup bonus—$300—is the Premier Plus checking account, which requires a minimum opening deposit of just $25 and comes with many features that the others do not.

How to qualify for the $300 bonus:

The same direct deposit requirements to earn the bonus on the Chase Total Checking account (mentioned above) also apply to the Chase Premier Checking account.

You’ll need to set up a direct deposit from your employer or government agency (social security benefits, pension payments, etc) within 90 days of opening the account to qualify. Peer to peer payments of any kind do not apply.

Once this direct deposit requirement is met, the $300 bonus will be directly deposited into your account within business 10 days.

Use this link to access the offer.

Fees and how to avoid them:

This account’s high $25 monthly maintenance fee can be avoided by:

  1. either maintaining a combined average daily balance of $15,000 across all linked Chase accounts or
  2. by having a linked qualifying Chase first mortgage that you are paying in automatic installments.
  3. These qualifications must be met every statement period. 

Although this account is technically interest-bearing, the payoffs you’ll get from this feature are next to nothing. Right now, these checking accounts are earning just 0.01% APY across all balance tiers, in every state, so the interest-bearing part doesn’t count for much.

However, the perks on this account go beyond a meager interest rate. If you are the owner of a Chase Premier Plus checking account, you’ll have:

  1. monthly service fees automatically waived on up to 2 other Chase Premier Plus checking accounts,
  2. you’ll get checks and money orders for free,
  3. you can have out-of-network ATMs fees waived up to 4 times per period,
  4. your service fees is chase college a checking account be waived on any and all linked Chase savings accounts, and more.

Though not quite the most elite account Chase has to offer (that title belongs to the Sapphire checking account), this one will reward you much more than your average checking account.

The Chase checking account options range from the very basic but less rewarding College checking account, to a benefits-packed Premier Plus account. All three options have their advantages. The majority of customers opt for a Total checking account, but Chase has an account that’ll work for nearly anyone.

Please note that there are even more Chase checking accounts to choose from, but these are the most popular accounts and the ones that most frequently offer signup bonuses.

This bank is very good at meeting its clients’ needs according to review agencies.

According to a study conducted by J.D. Power in 2019, Chase scored 846 on a 1,000 point scale in customer satisfaction and was tied for 2nd in a ranking of banks with the highest overall satisfaction score (the national average is 838).

Per this press release:

“Customers of Chase recognize the bank for providing innovative technology, having the lowest incidence of problems, and high satisfaction associated with credit cards and ATMs.”

As one of the largest and highest-asset banks in the U.S., it should come as no surprise that Chase has thousands of ATM and branch locations across the country. As of June 2020, there are over 16,000 ATMs and almost 4,900 Chase branches.

It’s also worth noting that the Chase mobile banking app is superb. It is easy to navigate and allows you to do anything you may need to do, from account management to getting help with a question. Across the millions of Apple and Android customers that use this app the vast majority are happy with it – scoring a 5 star and 4.5 star rating, respectively. This cannot be overstated, as many banking apps receive lower ratings.

Chase Bank offers far-reaching access through their branches and ATM networks, comprehensive online banking and mobile app features, and cold hard cash for new accounts.

Just remember, these three bonus offers are not available to existing Chase customers. But if you are new to Chase and in need of a checking account, you likely find a home with one of these accounts.


Filed Under: checking accountsTagged With: Chase Bank


Best Banks for Students

Final Verdict

There are plenty of reputable banks that offer great banking options for students; finding the best fit for your needs depends on what you are looking for. For flexible, low-fee account options, PNC, CapitalOne, and Ally all offer fee-free checking and savings accounts to help students manage both their daily expenses and savings goals. For boosting your savings and earning rewards, Bank of America and Discover offer accounts that let users earn rewards and boost their savings accounts. 

Chase, our choice for best overall, continues to offer the widest range of account options for both high school and college students. And, with its nationwide availability and well-designed mobile app, it offers the best of online and in-person banking for all students.

Compare the Best Banks for Students

CompanyAge Requirement Fees Minimum Deposit ATMs Nationwide (y/n) 
Best Overall
13 to 24None ($6/month after graduation)$0Y
Best for High School Students 
8 to 18 None $0 
U.S. Bank
Best for College Students 
18+ None $25 
Best Online Bank 
18+ None $0 
Bank of America
Best for Savings 
18 to 23 None ($4.95/month after graduation) $0 
PNC Bank
Best for No or Low Fees 
16+ None ($7.00/month after 6 years) $0 N
Best for Rewards 
18+ None $0 

Guide for Choosing the Best Banks for Students

Should You Get a Student Bank Account for Your Child? 

Although it might be uncomfortable to open a bank account for your child or to hand them a debit card with no restrictions, opening a student bank account is one of the best ways to help teach them the basics of personal finance. 

  • They will learn how to manage their own money. From learning how to deposit paychecks to setting up bill pay, a student bank account can help teach a child the responsibility of managing their finances.
  • Student bank accounts offer protections. From overdraft protection to parental oversight and control, many student bank accounts allow students the freedom to manage their finances with guardrails in place. This helps them make mistakes without big financial consequences.
  • Students can learn to save money. Saving money is a habit, and the sooner a child learns to do this, the more the habit will stick. Many student bank accounts offer a linked savings account and can help students get into the habit of setting aside money in that account.

Overall, the sooner a student starts taking on the responsibility of managing their money, the better they will be as they get older and become more independent.  

Comparing Banks for Students

When comparing bank account, there are a few things student will want to consider before signing up:

  • Age requirements. While some banks allow students as young as eight years old to apply (with a parent/guardian), others aren’t available until age 18. Knowing which banks offer accounts for your age group is important before applying.
  • Fees. While most student banks offer fee-free checking and savings accounts, this may not always be the case. Make sure to understand the fee structure (and requirements) before signing up for any bank account.
  • ATM access. Withdrawing cash without being charged a fee is important, so understanding which ATMs are available within your bank’s network can potentially save you a lot of money.
  • Parental controls. If you have a younger student who wants access to their own account, it’s important to know what type of parental controls are available. 
  • Mobile app. Mobile banking is becoming more and more popular, and most high-quality student bank accounts offer a full-featured mobile app. Being able to deposit checks digitally, transfer money, and make payments should all be functions of the bank’s mobile app.

Overall, it’s important to think about how you plan on managing your money before selecting a student bank account. Make sure all of the features you require are available (with no fees) before signing up.

Opening a Bank Account for Your Student

To open a student bank account, most banks allow users to sign up online. If you prefer an in-person experience, make sure the bank you want to open an account with has a local branch near you.

To open a student bank account, students will typically need to provide a photo ID such as a passport or driver’s license and their Social Security number. For some student accounts, you may also need to present your school ID as proof of your enrollment as a student. For applicants under 18 years of age, a parent or guardian will need to register as a co-owner.

While some banks don’t require a deposit, others have a minimum deposit amount to open the account. This may require connecting to another online bank account and transferring the funds into the student account. For in-person banking, this may be done by presenting cash or a check.

Once the account is opened, students can create an online username and password for access via the web or eve online project discovery mobile app. Students are encouraged to download the bank’s mobile app, as features like mobile deposit may only be available via the app. Debit cards will typically be mailed to the student, which will need to be activated once received.

Frequently Asked Questions (FAQs)

What Are the Costs Involved With Banks for Students?

While most student bank accounts don’t come with any fees, there may be a minimum deposit amount required to open the account. Some student bank accounts also come with overdraft fees, which can be upwards of $30 if the account is overdrawn. If you write checks from a student bank account, checks may be an additional fee as well.

ATM fees may apply for using an ATM outside of the bank’s network, though some accounts will reimburse these fees. For less common transactions, such as cashier’s checks and wire transfers, each bank has its own fee structure, and we recommend reviewing all of the account fees before signing up.

What Is the Minimum Age Requirement for Banks for Students?

Student bank account minimum age requirements vary by bank, with some allowing students as young as eight years old to apply. Some also have maximum age requirements, when the account no longer qualifies as a “student” account and may be converted to a standard bank account.

Always check with your bank on the age requirements before signing up for any student bank account.

Can Banks for Students Help With Financial Education?

While learning to use a bank account is a form of financial education in itself, some banks go above and beyond and offer financial education for students. U.S. Bank, for example, has an on-campus banking program that includes free financial coaching. CapitalOne Cafes also offer free financial coaching sessions.

Some student-focused bank accounts offer online webinars, as well as robust user education sections on the web, giving students access to learn more about topics like budgeting, debt payoff, and investing.

How Do You Open a Bank Account as a Student?

In order to open any bank account, you will typically need some form of photo ID (such as a driver’s license or passport) and your Social Security number. Many banks let you open accounts online, but you can also do so by visiting a branch.

Another requirement may be having a minimum starting deposit to open the account, which can be done with cash or with money transferred from another banking institution. For student-specific accounts, you may also have to show proof that you are indeed a student. 

For younger student/teen accounts, a parent or guardian will usually have to set up and be a co-owner on the account. Sometimes, this can be done online, but for certain banks or account types, you may both have to go in person to the branch.

Pros and Cons of Opening Your Own Bank Account

  • Establish good financial habits early

  • Get acquainted with banking practices

  • Have access to funds when you need them

  • Requires attention and account maintenance

  • Need to become more mindful about protecting your data and financial information

Pros and Cons Explained

Opening your own bank account while you’re a student can be a great first step toward financial independence that you need to develop before you graduate. It provides you with a way to save money, pay bills in your own name, and establish a relationship with a banking institution. This is especially useful if you have a part-time job and need a way to deposit your earnings or if you pay for some of your own expenses, such as a cell phone or car insurance.

Eventually, you may be responsible for paying your own way, including student loans and other expenses related to moving out of your family home, getting your own vehicle, and more. Having your own bank account can help with all of that.

It’s also a good idea to get used to banking practices, balancing a checkbook, and monitoring a financial account for when you begin using credit cards. How you handle your early credit responsibilities will determine your credit score, which is a vital building block for your financial future. 

How Should You Choose the Best Bank Account?

Choosing a student-friendly bank account is all about looking for perks and benefits that appeal to young account holders. For college students, is chase college a checking account those living out of state during the school year, having strong online and mobile account features can make banking more convenient. Along those lines, so could fee-free ATM options. 

In addition, any time you consider a bank account, it’s a good idea to look at any fees that you might be charged, such as monthly maintenance fees. You should also check if there is a minimum amount of money you need to open the account or a minimum balance to maintain to avoid service fees. Having no service fees is always preferable, especially for young bank account holders who don’t typically carry high balance amounts. 

Be sure to sign up for e-statements—some banks may charge a fee for paper statements.

Finally, it’s always nice if you can earn interest or rewards when you have a bank account. That’s why some of the best banks for students offer such perks on their accounts. 


To evaluate the best banks for students, we looked for key features like convenience, mobile/online features including mobile check deposits, lack of fees, ATM access, and strong customer service. We reviewed approximately two dozen different banks with accounts for students or similar student-friendly features and analyzed each one’s account specifics to arrive at our top picks.


Chase College Student Checking Account​

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How To Avoid Chase’s Monthly Service Fees

Banking / Checking Account

chase bank

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JPMorgan Chase is one of the biggest banks in America, providing customers with a range of banking products. But a big bank still needs to pay the bills, and the banking fees associated with Chase’s checking and savings accounts help do that.

The good news is that these fees can often be waived by maintaining a qualifying account balance, setting up direct deposits or by qualifying for fee waivers in other ways. Here’s what you need to know about Chase’s fees monthly maintenance fees and how to avoid them.

Chase Checking Account Fees

Chase checking account monthly maintenance fees vary from $4.95 to $25 for the bank’s standard checking options, and from $25 to $35 for the bank’s premium checking options. Additionally, Chase offers three checking accounts designed for kids and students, which feature low service fees from $0 to $6.

Some Chase accounts also earn interest — up to 0.01% annual percentage yield. Here’s a quick look at the monthly service fees and interest potential for Chase personal checking accounts.

Chase Personal Checking Accounts
Account Monthly ServiceEarns Interest
Chase Secure Banking$4.95No
Chase Total Checking$12 or $0No
Chase Premier Plus Checking$250.01% APY
Chase Sapphire Checking$25 or $00.01% APY
Chase High School Checking$0No
Chase College Checking$6 or $0No
Chase First Banking$0No

Information is accurate as of Nov. 9, 2021

Chase checking accounts usually come with additional fees, such as when you use an out-of-network ATM. All Chase personal checking accounts include the following fees. Note that Chase will waive some of these fees, depending on account type.

Chase Checking Account Fees
Checking Account FeeAmount
ATM$2.50 for a non-Chase ATM in the U.S., Puerto Rico and the Virgin Islands; $5 for a non-Chase ATM outside the U.S.
Cashier’s Check$8
Money Order$5
Overdraft Fee$34
Foreign Exchange Rate Adjustment Fee3% of transaction
Wire Transfers$0 to $50, depending on where wire originated, whether it’s domestic or foreign and if it was initiated online.

Information is accurate as of Nov. 9, 2021

Chase also offers three business checking accounts for business owners. Chase offers multiple options to waive the monthly service fee.

Chase Business Checking Accounts
AccountMonthly Maintenance Fee
Chase Business Complete Checking$15
Chase Performance Business Checking$30
Chase Platinum Business Checking$95

Information is accurate as of Nov. 9, 2021

Chase Savings Account Fees

Even though Chase charges monthly maintenance fees on its savings accounts, it will waive the charges if you complete certain qualifying activities, such as maintaining a minimum average daily balance, making automatic transfers or linking to another Chase account. Here’s a breakdown of Chase savings account fees.

Chase Savings Account Fees
Fee TypeChase SavingsChase Premier Savings
Monthly Maintenance$5 or $0$25 or $0
Savings Withdrawal Fee$5 for withdrawals exceeding six$5 for withdrawals exceeding six (waived with a balance of $15,000 or more)

Information is accurate as of Nov. 9, 2021

Here is chase college a checking account the interest rates available for each account:

  • Chase Savings has 0.01% APY for all balances.
  • Chase Premier Savings also only carries 0.01% APY for all balances. If you have Relationship Rates, an increase in balance results in a rate increase, equaling 0.02% to 0.05% APY.

How To Avoid Chase’s Monthly Maintenance Fees

Chase, along with most banks, will waive maintenance fees if the requirements are met. Here’s how to avoid your Chase bank fees.

1. Maintain a Minimum Balance

You can avoid paying a Chase checking account fee by maintaining a minimum required amount in your account. Here are the minimum balances you need to avoid Chase’s monthly fees:

Chase Checking Minimum Balance:

  • Chase Total Checking: Maintain a $1,500 average beginning day balance or maintain a $5,000 beginning daily average balance across all accounts.
  • Chase College Checking: Maintain an average beginning day balance of $5,000.
  • Chase Premier Plus Checking: Maintain a $15,000 average beginning day balance across all accounts.
  • Chase Sapphire Banking: Maintain a $75,000 average beginning day balance across all accounts.
  • Chase Private Client Checking: Maintain a $150,000 average daily balance across all accounts.
  • Chase Business Complete Checking: Maintain a minimum balance of $2,000 or more in the account each day of the statement period.
  • Chase Performance Business Checking: $35,000 average beginning day balance across all linked business accounts.
  • Chase Platinum Business Checking: Maintain an average beginning day balance of $100,000 ($50,000 when linked to Chase Private Client Checking) across all linked business accounts.

2. Sign Up for Qualifying Direct Deposits

Another way to avoid paying fees on your checking account at Chase is to meet the minimum requirement for direct deposits. The following two Chase accounts allow this exemption:

  • Chase Total Checking: $500 per statement cycle
  • Chase College Checking: Any direct deposit

Note that this option is not available for the other Chase checking accounts.

3. Link a Chase Account

A third way to avoid checking account fees at Chase Bank is to link your account to another Chase account. The Premier Plus, Business Complete Banking and Private Client checking accounts offer this option:

  • Chase Premier Plus Checking: Link a Chase first mortgage enrolled in automatic payments.
  • Chase Business Complete Banking: Link a Chase Private Client Checking account.
  • Chase Private Client Checking: Link a Chase Platinum Business Checking account.

How To Avoid Chase Bank Overdraft Fees

Linked accounts have more limited use to customers when it comes to waiving fees.

To avoid an overdraft fee at Chase, the best thing to do is to make sure you don’t overdraw your account in the first place. If your account is overdrawn by more than $5, it’s subject to overdraft fees.

Chase charges a $34 fee per overdraft –up to a maximum of three fees per day. You can avoid the overdraft fee by signing up for overdraft protection. Then, the bank will cover your overdrawn checking account with money from your savings account without an added fee.

How To Avoid Chase ATM Fees

Chase Total Checking and Chase Secure Checking charge $2.50 if you use a non-Chase ATM in the United States. You can avoid these fees by searching Chase’s website for a Chase ATM near you.

Good To Know

Overseas, the ATM fee jumps up to $5 per withdrawal. You might also face charges imposed by the ATM operator. Whether in the U.S. or abroad, you can avoid ATM fees by using a Chase ATM.

Alternatively, you can sign up for Chase Premier Plus Checking, which offers the first four non-Chase ATM transactions for free during each statement period, or Chase Sapphire Checking, which waives all non-Chase ATM fees and even reimburses you for all third-party ATM fees.

Getting the Most out of Your Chase Banking Account

Opening both a savings and checking account with Chase will not only earn you free money, but there are plenty of other advantages too. Once you’ve opened a Chase Premier Savings Account, you can unlock Premier Relationship Rates if you link it with one of the following:

  • Chase Premier Plus Checking
  • Chase Sapphire Checking

From there, you’ll immediately be treated to a rate of 0.02% to 0.05% APY, which increases the higher your balance is. Otherwise, your rate is only 0.01% APY, the same as a standard savings account.

Also, if you are active-duty military, your service fee for the Chase Premier Checking account is $0, plus you’ll pay no ATM fees, wire transfers or foreign exchange rates.

Are Chase Products and Services Good for You?

Chase provides a solid selection of banking accounts that offer basic services for those seeking to build either checking or savings accounts. Its fees are evenly priced compared to other banks, and some of their checking accounts offer interest rates. For higher returns or smaller fees on a savings account, you may want to consider online banks, which do not have to factor in overhead costs and may even be a bit cheaper to maintain.

This article has been updated with additional reporting since its original publication. John Csiszar contributed to the reporting of this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Nov. 9, 2021.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

About the Author

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. Discover high yield savings rate covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.


Here is a basic rundown of the types of fees charged for savings accounts, checking accounts, overdraft and more:

Savings Accounts

The basic monthly fee for a Chase saving account is $5. However, saving account fees are waived bank of america corporate credit card login you have a savings account that is tied to a Premier Plus or Premier Platinum checking account. You can also get the saving account fees waived if you have a minimum daily balance of $300 or more or if you have an automatic repeating transfer of $25 or more into the savings account each month. If you have a Chase savings account and you are under 18 years old, there is no monthly service fee.

Checking Accounts

Chase Total Checking accounts have a $12 is chase college a checking account fee for everyone except students. Students pay a Chase monthly checking account fee of $6. Total Checking account fees can be waived if you have a daily balance of $1500 or more. You can also get the monthly fee waived if you have more than $500 in Direct Deposits each month into the account. The third way to avoid paying the monthly fee is to maintain $5000 or more in deposits or investments across several Chase accounts.

The Chase Premier Plus checking account comes with a $25 monthly fee. Customers can get that waived by maintaining a daily balance of $15,000. The monthly fee can also be waived if you have a Chase first mortgage and you are enrolled in automatic payments on that mortgage.

The monthly service fee for a Chase Premier Platinum account is also $25. That fee is waived if you maintain a daily balance of $75,000 or more.

Chase ATM Fees

Chase doesn’t charge an ATM fee if customers use any of the 16,000 network ATMs. There is a $2.50 fee per transaction to use any ATM that isn’t in the Chase network within the United States. Using an international ATM that isn’t in the Chase network will cost $5 per withdrawal and $2.50 for a balance inquiry or to transfer money. Those are on top of any fees that the ATM owner charges. The ATM withdrawal limit is $1000 per day.

Overdraft And Insufficient Funds Fees

Chase overdraft fees are $34 per item that is returned or has insufficient funds. Items that are less than $5 or overdraw the account by less than $5 won’t be charged the $34 fee. Up to three overdraft charges can be assessed per day. In addition to the $34 overdraft fee per item if the account stays overdrawn for more than five days there is an additional $15 charge every five days called an extended overdraft fee.

Penalties and Withdrawal Limits

If you have is chase college a checking account Chase savings account there are withdrawal limits you need to know about. If you make more than six withdrawals from your savings account in a month, Chase will charge a $5 fee, and they will also automatically change your savings account to a checking account.

CHASE COLLEGE CHECKING SM A GUIDE TO YOUR ACCOUNT † It’s important that you understand how your Chase College Checking account works. We’ve created this Guide to explain the fees and some key terms of your personal account. For college students 17–24 years old at account opening, when proof of student status is provided Monthly Service Fee MONTHLY SERVICE FEE ATM FEES How to Avoid the Monthly Service Fee During Each Monthly Statement Period Non-Chase ATM (Avoid these fees by using a Chase ATM) $6 $0 Monthly Service Fee when you have any ONE of the following: • Up to five years while in college • OR, a Direct Deposit made to this account. Direct Deposits can be an ACH credit, payroll, pension or government benefits such as Social Security • OR, an average daily balance of $5,000 or more in this account $2.50 for any Inquiries, Transfers or Withdrawals while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply. $5 per Withdrawal and $2.50 for any Transfers or Inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply. Fees for using your account when you don’t have enough money in it or it’s already overdrawn $34 for each item (maximum 3 Insufficient Funds and Returned Item Fees per day). • We will not charge an Insufficient Funds Fee if your account balance at the end of the business day is overdrawn by $5 or less Insufficient Funds: • We will not charge these fees for any item that is $5 or less, even if your account Chase pays an item balance at the end of the business day is overdrawn when your account does not have enough • These fees do not apply to withdrawals made at an ATM • If your account becomes overdrawn, you can avoid these fees by making a deposit money OVERDRAFT FEES Returned Item: Chase returns an item when your account does not have enough money Extended Overdraft: Charged each time your account is overdrawn 5 or more consecutive business days or transferring funds from another Chase account to cover the overdraft before the business day ends, such as when a branch closes, and by 11 p.m. Eastern Time (8 p.m. Pacific Time) for an ATM or when using the Transfer Money option on or Chase Mobile&reg. Other methods may use different cutoff times; for example, Chase QuickPaySM is 10 p.m. Eastern Time (7 p.m. Pacific Time). If you deposit a check, this assumes we do not place a hold and the check is not returned unpaid • If we return the same item multiple times, we will only charge you one Returned Item Fee for that item within a 30-day period $15, even if your account is overdrawn by $5 or less † For the complete terms governing your account, please consult the Deposit Account Agreement. The terms of the account, including any fees or features, may change. This account requires a $25 minimum deposit to open. HAVE QUESTIONS? DAY OR NIGHT, JUST CALL US AT 1-800-935-9935 • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT 1 CHASE COLLEGE CHECKING SM Chase Debit Card Coverage: You can choose how we treat your everyday debit card transactions when you don’t have enough money available. Please note: Regardless of which option you choose for Chase Debit Card Is chase college a checking account, you may also want to sign up for Overdraft Protection if you are eligible. Please visit for more details, including terms and conditions. OPTION #1 (YES): YOU ASK US TO ADD CHASE DEBIT CARD COVERAGE This means you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you don’t have enough money available (this includes available funds in your linked Overdraft Protection account, if enrolled). Fees may apply. You’ll have until the end of the business day to transfer or deposit enough money to avoid an Insufficient Funds Fee on these transactions. $34 for each everyday debit card purchase that overdraws your account (maximum 3 Insufficient Funds Fees great clips west sacramento day). • We will not charge an Insufficient Funds Fee if your account balance at the end of the business day is overdrawn by $5 or less • We will not charge these fees for any item that is $5 or less, even if your account balance at the end of the business day is overdrawn • This fee does not apply to withdrawals made at an ATM • If your account becomes overdrawn, you can avoid these fees by making a deposit or transferring funds from another Chase account to cover the overdraft before the business day ends, such as when a branch closes, and by 11 p.m. Eastern Time (8 p.m Pacific Time) for an ATM or when using the Transfer Money option on or Chase Mobile. Other methods may use different cutoff times; for example, Chase QuickPay is 10 p.m. Eastern Time (7 p.m. Pacific Time). If you deposit a check, this assumes we do not place a hold and the check is not returned unpaid CHASE DEBIT CARD COVERAGESM AND FEES1 (Please visit for additional details.) Insufficient Funds OPTION #2 (NO): No Chase Debit Card Coverage (If you don’t choose an option when you open your account, Option #2 (No) is automatically selected for you) This means you do not want Chase to approve and pay your everyday debit card transactions when you don’t have enough money available (This includes available funds in your linked Overdraft Protection account, if enrolled). Since everyday debit card transactions will be declined when there is not enough money available, you won’t be charged an Insufficient Funds Fee for everyday debit card transactions. The Order in Which Withdrawals and Deposits Are Processed HOW DEPOSITS AND WITHDRAWALS WORK Generally, for each business day we will: • FIRST, add deposits to your account • SECOND, subtract wire transfers, non-repeating (“everyday”) debit card transactions, online banking transactions, ATM withdrawals, teller cash withdrawals, and checks you write that are either cashed or deposited at a teller station by a Chase employee, in the order in which they are authorized, withdrawn, cashed or deposited • THIRD, subtract all other items, including checks you write that are either cashed or deposited at an ATM or eATM, starting with those having the highest dollar amount and moving to the lowest. We reserve the right to use a different order in certain states • Cash deposit – Same business day • Direct deposit/wire transfer – Same business day • Check deposit – Usually the next business day, but sometimes longer: When Your Deposits Are Available (See Funds Availability Policy in the Deposit Account Agreement for details) -- If we place a longer hold on a check, the first $200 will be available by the next business day. -- The date your deposit is expected to be available will be displayed on your receipt. -- In some situations, we may notify you at the time or after your deposit is made that your funds (including the first $200) will not be available for up to seven business days. A “business day” is a non-holiday weekday. The end of business day for deposits and transfers is when a branch closes, and by 11 p.m. Eastern Time (8 p.m. Pacific Time) for an ATM or when using the Transfer Money option on or Chase Mobile. Other methods may use different cutoff times; for example, Chase QuickPay is 10 p.m. Eastern Time (7 p.m. Pacific Time). If you deposit a check, this assumes we do not place a hold and the check is not returned unpaid. See the next page for other fees that may apply. 2 Important details about your Chase Debit Card Coverage: An everyday debit card transaction is a one-time purchase or payment, such as groceries, gasoline or dining out, and includes PIN and non-PIN point-of-sale transactions. We will charge an Insufficient Funds Fee of $34 each time we pay an overdraft created by check, ACH, in-person withdrawal, debit card transaction or other electronic means. We will charge a Returned Item Fee of $34 for any check or ACH transaction that we return unpaid because your account had insufficient funds. The most you would pay is three of these fees per day for insufficient funds or returned items, no matter the number of transactions. If the same item is returned multiple times, only one fee will be charged for that item within a 30-day period. We will not charge an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less. Additionally, even if your account balance is overdrawn, we will not charge an Insufficient Funds or Returned Item Fee for any items that are $5 or less. Also, each time your account is overdrawn for 5 consecutive business days, we will charge you an additional $15 (Extended Overdraft Fee). Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly. Whether your overdraft will be paid is at Chase’s discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have had excessive overdrafts. Whether or not you choose to have your everyday debit card transactions covered, the way we treat your recurring debit card transactions (such as monthly movie rentals, gym memberships or subscriptions) when you don’t have enough money in your account will not be affected. We may, at our discretion, authorize and pay a recurring debit card transaction that causes an overdraft and charge an Insufficient Funds Fee. HAVE QUESTIONS? DAY OR NIGHT, JUST CALL US AT 1-800-935-9935 • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT 2 CHASE COLLEGE CHECKING Stop Payment: You ask a banker at a branch or on the phone to stop payment on a check or ACH item $30 per request Online or Automated Phone Stop Payment: You use or our automated phone system to place a stop payment on a check. Only some types of stop payments are available $25 per request Deposited Item Returned or Cashed Check Returned: You deposit or cash an item that is returned unpaid $12 for each item you deposit or cash that is returned unpaid. Example: You deposit a check from someone who didn’t have enough money in his/ her account. The amount of the deposit will be subtracted from your balance and you will be charged the Deposited Item Returned Fee Card Replacement (Rush Request): Express shipping of a replacement debit or ATM card $5 per card OR $0 per card if not a rush request SOME OTHER FEES OTHER ATM AND DEBIT CARD FEES SM 3% of the dollar amount of the Non-ATM Cash: You use your Chase Debit Card to withdraw cash from a teller at a transaction OR bank that is not Chase $5, whichever is greater Exchange Rate Adjustment: You make card purchases, non-ATM cash transactions or ATM withdrawals in a currency other than U.S. dollars 3% of withdrawal amount after conversion to U.S. dollars Domestic and International Incoming: A wire transfer is deposited into your account from another bank $15 per transfer Domestic Wire: A banker helps you to send a wire to a bank account within the U.S. $35 per transfer WIRE TRANSFER FEES Online Domestic Wire: You use or Chase Mobile to send a wire from your checking account to a bank account within the U.S. $25 per is chase college a checking account Consumer International Wire: A banker helps you to send a wire to a bank account outside the U.S. $50 per transfer Online Consumer International Wire: You use to send a wire from your checking account to a bank account outside the U.S. $40 per transfer $6 per statement OR Statement Copy: Providing additional copies of your statement that you pick up at $0 if you view or print your a branch or ask us to fax or mail statement on MISCELLANEOUS FEES Order for Checks or Supplies: An order of personal checks, deposit slips or other banking supplies Varies (based on items ordered) Counter Check: An emergency check when you don’t have any checks left in your checkbook $2 per sheet (3 checks) Money Order: Can be used as an alternative to a personal check. You can purchase money orders up to $1,000 $5 per item Cashier’s Check: A check issued by the bank $8 per check Legal Processing: Processing of any garnishment, tax levy, or other court Up to $75 per order administrative order against an account, whether or not the funds are actually paid JPMorgan Chase Bank, N.A. Member FDIC © 2016 JPMorgan Chase & Co. Effective 8/31/2016 FEETABLE-COLLEGE-816-ONLN HAVE QUESTIONS? DAY OR NIGHT, JUST CALL US AT 1-800-935-9935 • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT 3
is chase college a checking account

1 Replies to “Is chase college a checking account”

  1. that means i want to transfer 4000 to my bank account from credit card through payz aap. that means i have to pay credit card bill of 4000+100 extra . am i right ?

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