• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
APY GUY: Maximize Your Savings & Earnings

APY GUY: Maximize Your Savings & Earnings

MENUMENU
  • Saving and Spending
    • CDs
      • CD Rates Forecast 2022 – Will Rates go up in August and September?
      • Capital One CD Rates
      • Ally Bank CD Rates
      • Chase CD Rates
      • Citibank CD Rates
      • Discover Bank CD Rates
      • US Bank CD Rates
      • Fidelity CD Rates
      • Edward Jones CD Rates
      • Charles Schwab CD Rates
      • Navy Federal Credit Union CD Rates
      • Vanguard CD Rates
    • Savings
      • Best High Yield Online Savings Accounts [July 2022]
      • Aspiration Spend & Save
      • Bask Bank High Interest Savings
      • Citi Accelerate Savings
      • Affirm Savings
      • Smarty Pig
      • Tab Bank High Yield Savings
      • Vio Bank Online Savings
      • Crypto Interest Accounts
      • Alternatives to CDs and Savings
    • Checking & Debit
      • 29 Best Debit Cards for Kids & Teens [August, 2022]
      • Best Bank Promotions & Cash Bonuses for 2022
      • Citibank Checking Account Bonuses
      • Huntington Bank Bonuses
      • PNC Bank Bonuses
      • Truist Bank Bonuses
      • Wells Fargo Checking Account Bonus
      • Chase First Banking
      • Fidelity Youth Account
      • Verizon Family Money
      • Copper Banking
      • BusyKid
      • Greenlight
  • Investing
    • Real Estate
      • Top 8 Real Estate Crowdfunding Platforms for 2022
      • Yieldstreet Review 2022 – 9.71% Avg Annual Returns
      • CrowdStreet
      • Fundrise Review: Compare Annual Returns vs Competitors
    • Stocks & More
      • Best Stock Screening Service
      • MotleyFool
      • Stansberry Research
      • Seeking Alpha
      • Zacks Investment Research
      • Citi Personal Wealth Management
      • Robinhood Cash Management
      • Fidelity Cash Management
You are here: Home / checking accounts / Chase Bank Fees in 2022: Here’s What to Expect

Chase Bank Fees in 2022: Here’s What to Expect

editorial staff
February 9, 2022

Chase Bank is one of the most recognizable names in banking. Their presence – both branch and ATM – is as vast as their customer base with 16,000 ATMs and 4,900 branches nationwide. On top of this tremendous reach, they also sit on roughly $2.69 trillion (yes, with a T) in assets.

While a bank of this size has much to offer in terms of accessibility, it is no secret that the institution’s most popular bank accounts and products typically come with fees.

These fees generally include:

  • overdraft charges,
  • monthly maintenance fees,
  • checking account fees,
  • wire transfer fees and
  • ATM fees for using a non-Chase machine (not to mention what that ATM owner charges)

While the monthly maintenance fees can be waived on most accounts, some of the other fees may be inevitable.

Below is a complete breakdown of all the fees you can expect to pay with Chase Bank’s most popular accounts as well as how to waive them (if possible).

In this post you'll learn:

  • Chase Total Checking Account Fees & How to Avoid Them
  • Chase Secure Banking Checking Account Fees & How to Avoid Them
  • Chase Premier Plus Checking Account Fees & How to Avoid Them
  • Chase Bank Savings Account Fees and Rates

Chase Total Checking Account Fees & How to Avoid Them

The Chase Total Checking account is the most basic checking account option. It comes with a minimum deposit requirement of $25 and a hefty monthly fee of $12 that can be waived by doing any of following:

  • Direct deposit totaling $500 or more made to this account
  • 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 deposits or investments.

Below is a complete list of fees to look out for if opening a Chase Total Checking account.

Chase Total Checking Fees

TypeFee
Monthly Maintenance$12 (can be waived)
Minimum Deposit$25
Overdraft$34
Card ReplacementFree 3-5 business days. $5 rush payment.
Foreign Transaction3%
ATM (out of network, domestic)$2.50 (plus whatever the ATM owner charges)
ATM (out of network, international)$5
Wire (incoming, domestic)$15 (free if coming from Chase)
Wire (outgoing, domestic)$25 ($35 if done with banker)
Wire (incoming, international)$15 (free if coming from Chase)
Wire (outgoing, international)$5 for amounts under $5k.
Free for amounts above.
Stop Payment with Customer Support$30
Online or Automated Phone Stop Payment$25
Returned Item or Check$12
Money Order$5
Cashier’s Check$8

Of course, you’ll also have to pay for things like paper checks or paper statements ($6 per statement copy) should you wish to obtain them, but Chase Bank has a robust online banking platform and native apps on IOS and Android that will give you plenty of access to all your account information free of charge.

Chase Secure Banking Checking Account Fees & How to Avoid Them

The Chase Secure Banking account is considered the middle tier in terms of Chase checking account options. The big difference with this account is that it has a flat $4.95/month service fee that can not be waived. In exchange for this, the account comes with no overdraft fees. If you overdraft your account, they will simply decline or return the transaction.

Chase Secure Banking Fees

TypeFee
Monthly Maintenance$4.95 (can not be waived)
Minimum Deposit$25
OverdraftNone
Card ReplacementFree 3-5 business days. $5 rush payment.
Foreign Transaction3%
ATM (out of network, domestic)$2.50 (plus whatever the ATM owner charges)
ATM (out of network, international)$5
Wire (incoming, domestic)$15 (free if coming from Chase)
Wire (outgoing, domestic)$25 ($35 if done with banker)
Wire (incoming, international)$15 (free if coming from Chase)
Wire (outgoing, international)$5 for amounts under $5k.
Free for amounts above.
Stop Payment with Customer Support$30
Online or Automated Phone Stop Payment$25
Returned Item or Check$12
Money Orderfree
Cashier’s Checkfree

Chase Premier Plus Checking Account Fees & How to Avoid Them

The Chase Premier Plus Checking account is the top tier in terms of Chase checking account options. It comes with an interest rate (although the standard rate sits at just 0.01% APY at the moment) and they waive fees for counter checks, money orders and cashier’s checks.

It comes with an even heftier monthly maintenance fee of $25 that can be waived by doing any of following:

  • An average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments
  • OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account

If you cannot meet the two qualifications above, Chase will also let you waive the $25 monthly fee by linking:

  • Up to two additional personal Chase checking accounts (excluding Chase Sapphire, Checking and Chase Private Client Checking)
  • Chase personal savings account(s), excluding Chase Private Client Savings
  • Chase Liquid Card(s)

Below is a complete list of fees to look out for if opening a Chase Premier Plus Checking account.

Chase Premier Plus Checking Fees

TypeFee
Monthly Maintenance$25 (can be waived)
Beginning Day Balance$15,000 to avoid $25 fee
Overdraft$34
Card ReplacementFree 3-5 business days. $5 rush payment.
Foreign Transaction3%
ATM (out of network, domestic)$2.50 (plus whatever the ATM owner charges)
ATM (out of network, international)$5
Wire (incoming, domestic)$15 (free if coming from Chase)
Wire (outgoing, domestic)$25 ($35 if done with banker)
Wire (incoming, international)$15 (free if coming from Chase)
Wire (outgoing, international)$5 for amounts under $5k.
Free for amounts above.
Stop Payment with Customer Support$30
Online or Automated Phone Stop Payment$25
Returned Item or Check$12
Money Orderfree
Cashier’s Checkfree

Chase Bank Savings Account Fees and Rates

Chase Bank currently offers two different savings accounts – The Chase Savings and the Chase Premier Savings. Both of these accounts come with monthly fees that can be waived.

The Chase Savings account comes with a $5 monthly maintenance fee unless one of the following conditions apply:

  • you’re under the age of 18
  • you maintain at least a $300 minimum daily balance
  • you set up at least one recurring automatic transfer of $25 from a Chase checking account
  • you link your savings to a Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account

The Chase Premier Savings account comes with a $25 monthly maintenance fee unless one of the following conditions apply:

  • maintain a minimum daily balance of $15,000
  • link up a Chase Premier Plus Checking or Chase Sapphire Checking account

All of the additional miscellaneous fees from the table(s) above apply to both of the chase savings accounts.

You won’t earn much in the way of interest on either savings account offered by Chase Bank currently. Current rates vary between just 0.01% and 0.05% APY depending on your relationship standing with the bank. In other words, how many accounts you hold with them and your balances in each.

ABOUT THE AUTHOR

editorial staff: A group of savers, investors, side-hustlers and entrepreneurs serve the editorial team with a combined 20 years experience in entrepreneurship, banking and blogging.
Read More

Filed Under: checking accounts Tagged With: Chase Bank

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

APY Updates

  • Redneck Bank Review – Up to 2.25% APY!
    August 19, 2022
  • 29 Best Debit Cards for Kids & Teens [August, 2022]
    August 18, 2022
  • Robinhood Cash Management – Now 1.50% APY on Idle Cash
    August 18, 2022
  • NASA Federal Credit Union CD Rates – Up to 3.85% APY!
    August 17, 2022
  • Alaska USA Federal Credit Union CD Rates – Now up to 1.50% APY!
    August 16, 2022
  • UFB Direct Rewards Savings Account – 2.12% APY!
    August 16, 2022
  • Citi Accelerate Savings – Now 1.65% APY!
    August 15, 2022

The Big Banks

  • Bank of America CD Rates
  • Capital One CD Rates
  • Citibank CD Rates
  • Chase Bank CD Rates
  • Wells Fargo CD Rates
  • U.S. Bank CD Rates

Noteworthy Credit Unions

  • Navy Federal Credit Union CDs and Savings
  • Patelco Credit Union CDs and Savings
  • PenFed CDs and Savings
  • Connexus Credit Union CDs and Money Market

Brokered CDs

  • Edwards Jones
  • Charles Schwab
  • Fidelity
  • Vanguard

Alternatives

  • 12 Alternatives to CDs and Savings Accounts

Real Estate Investment Platforms

  • Fundrise - up to 22% Returns
  • CrowdStreet - up to 17.1% Returns
  • Yieldstreet - Avg 10.61% Returns

Footer

Disclaimer

APY GUY strives to keep its information as accurate and up to date as possible. This information may be different than what you see at a bank, credit union or other financial institution. This applies to both in person visits and their website(s). Any financial products or services represented or discussed on this website are without warranty. When evaluating offers viewed on APYGUY.com, please read the financial institution’s Terms and Conditions.

About Us. Privacy Policy. Terms Of Use. How We Make Money.

Categories

Connect with Us:

  • Email
  • Facebook
  • LinkedIn
  • Twitter

Know of a fantastic APY offered by your local bank or credit union?

Don’t be shy, please share!

Send an email to hello@apyguy.com with the name of the institution, rate (APY) and type of product.

Our editorial staff will confirm the product, rate and APY (annual percentage yield) with the institution and publish it immediately for our viewers.

Copyright © 2022 - APYGUY: Maximize Your Savings & Earnings

Home>checking accounts>Chase Bank Fees in 2022: Here’s What to Expect