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 4,700 branches nationwide. On top of this tremendous reach, they also sit on roughly $4 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).

Chase Secure Banking Checking Account Fees

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.

Fees by Type

Chase Total Checking Account Fees

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.

Fees by Type

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 Premier Plus Checking Account Fees

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.

Fees by Type

Chase Sapphire Checking Fees

Chase’s newest checking account, Chase Sapphire Checking, is also their most elite account. It requires an average beginning day balance of $75,000 in Chase linked deposit accounts including checking, savings, CD (certificate of deposit) and retirement accounts to avoid a $25 monthly maintenance fee.

If you can maintain the high balance requirement you’ll also be rewarded with minimal fees – including free wire fees and free out-of-network ATM fees plus reimbursement. See below for details.

Fee by Type

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 0.02% APY depending on your relationship standing with the bank. In other words, how many accounts you hold with them and your balances in each.

How to Avoid Chase’s Monthly Maintenance Fee

Most of the country’s largest banks have checking accounts with monthly maintenance fees that can be waived by meeting some basic criteria. Chase is no different with monthly maintenance fees ranging from $4.95 to $25.

The 3 different ways to waive Chase’s maintenance fees are:

• Maintain the required minimum balance requirement. This ranges from $300 to $75,000 depending on which checking account you open with Chase Sapphire Checking requiring the $75,000.
• Set up qualifying direct deposit. Chase Total Checking requires $500 per statement cycle to waive the monthly maintenance fee.
• Link other Chase accounts. These vary by account but can include mortgage, credit card(s) and/or business accounts.

How Do Chase’s Monthly Maintenance Fees Compare to Other Banks

Take a look at the table below to see how Chase Bank’s monthly maintenance fees stack up against those same fees from other well known banks and their checking account products.

How to Avoid Chase’s Overdraft Fees

The easiest and most obvious way to avoid Chase’s overdraft fees is to stay on top of your daily balance. You can download their app and check your balance on the go before making purchases or withdrawing cash.

Another option is to sign up for overdraft protection. This will require you to also open a Chase savings account. The savings account will then be used to cover any overdraft charges from your checking account.

Remember, overdraft charges from Chase are $34 each with a maximum of 3 charges per day.

How to Avoid Chase’s ATM Fees

Use one of Chase Bank’s 16,000 ATMs worldwide to avoid all ATM fees regardless of which Chase checking account you have. Locate Chase ATMs here.

If you can’t use a Chase ATM but need cash, Chase may charge you $3.00 for each out-of-network withdrawal but this depends on which checking account you have.

If you have their most basic accounts – Chase Secure Banking and Chase Total Checking – then Chase will charge you $3.00 each for every out-of-network withdrawal.

If you have the Chase Premier Plus Checking account then Chase won’t charge you for the first 4 out-of-network ATM uses per statement cycle. Any withdrawals made beyond 4 during this period will face the $3.00 out-of-network charge from Chase.

If you have the Chase Sapphire Checking account (the most elite checking account that Chase offers) then not only will Chase never charge you for out-of-network ATM usage, but they will also reimburse you for all 3rd party ATM charges.

📌 Remember – These are just Chase Bank’s out-of-network ATM fees. The 3rd party ATMs you use will also have their own fees associated with each withdrawal you make.

How to Avoid Chase’s Transfer Fees

The easiest way to transfer money without incurring fees from Chase is to avoid using wire transfers. Chase’s online banking supports Zelle for both personal and business use so you can request money and make payments without facing any fees. Cashiers checks and money orders are also free for all Chase checking account holders.