Open bank account online no deposit chase

Chase checking accounts offer solid access to financial services both in person and online.

There are various accounts to suit different needs, and fees are on par with those of other national banks. Here’s a look at key Chase checking accounts and their features, fees and requirements.

Chase checking accounts

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Frequently asked questions

What fees do Chase checking accounts have?

Chase Total Checking®, the bank’s basic checking account, has a monthly fee of $12, though you can get it waived by meeting one of a few requirements. Other fees include $3 for each use of a non-Chase ATM in the U.S., and $34 for overdrafts, charged up to three times a day (though there's no charge when the account is overdrawn by $50 or less at the end of the day.) Scroll down to see other Chase checking fees.

Does Chase have a free checking account?

Almost all Chase checking accounts carry a monthly fee. However, there are ways to get the fee waived on most accounts, such as by keeping a certain balance in the account or setting up direct deposit.

Chase does offer two checking accounts with no monthly fee. The accounts are for children: Chase First Banking and Chase High School Checking.

What is the minimum balance for a Chase checking account?

There is no minimum balance required for Chase checking accounts, but keeping a certain balance is one way to avoid a monthly fee on some accounts — for example, the $12 monthly fee for Chase Total Checking® is waived if you maintain a $1,500 balance at the beginning of each day.

SoFi Checking and Savings

Deposits are FDIC Insured

Upgrade - Rewards Checking

Deposits are FDIC Insured

Current Account

Deposits are FDIC Insured

Chime Checking Account

Axos Bank® Rewards Checking

How Chase checking account fees compare

Chase checking account fees and services are similar to those of other national banks. The $12 monthly fee for Chase Total Checking® is also what Citibank and Bank of America charge for similar checking accounts (Wells Fargo's basic option is slightly cheaper at $10). And two of the most common ways to avoid monthly fees at these three institutions are having direct deposits or keeping at least $1,500 as a daily balance (Citibank also requires a bill payment). Some other banks have a lower direct deposit minimum than Chase allows.

Other banks also let you avoid fees in other ways, such as making transactions on your account while others, like many online banks, charge no monthly fees.

Chase also offers student checking for high school and college students with services similar to Chase Total Checking®. The high school account is free, and the college account charges a $6 monthly fee, which can be avoided fairly easily.

Benefits for all Chase checking accounts

• Free access to more than 4,700 branches and about 16,000 ATMs: This network reaches more than 45 states and is one of the largest in the U.S.

• Chase online and mobile banking: Check balances and pay bills, and set up alerts via text and email. The app also has a mobile check deposit feature.

• Zelle: This person-to-person service lets you send money online to friends and family, even if they don’t bank with Chase. It’s free, and money often arrives within minutes. (Learn more about Zelle.)

• Chase debit card with chip technology: This chip helps protect your card information from being skimmed, or copied, at ATMs or store checkouts.

• Cardless ATM access: Chase lets you withdraw cash at its ATMs with just your smartphone. Open your mobile wallet app (for example, Apple Pay), select your Chase debit card (or add it if you haven’t yet), tap the phone to the cardless symbol on the ATM and enter your PIN.

• Long customer support hours: The phone line includes an automated menu, but it’s easy to navigate and you can talk to a real person from 7 a.m. to midnight ET, daily.

Additional benefits for high-end Chase checking accounts

Chase Premier Plus Checking℠ users get free personal checks, cashier’s checks and money orders and aren’t charged by Chase for using an out-of-network ATM four times per month (fees from the ATM owner or operator may still apply). Chase Sapphire℠ Checking customers are reimbursed for all ATM fees worldwide.

But Chase’s higher-end checking accounts also require much higher minimum balances to waive the monthly fee, compared with basic Chase checking accounts. If you can’t meet them, the additional benefits that come with those accounts might not be worth paying $25 a month, or $300 a year.

How Chase high-end checking accounts compare

Chase Premier Plus Checking℠ requires a $15,000 balance across linked Chase accounts to avoid the monthly fee. This is lower than the $20,000 required by Bank of America’s Gold Preferred Rewards account and Portfolio by Wells Fargo to avoid monthly fees. Out of all these accounts, Chase Sapphire℠ Checking requires the highest average balance: $75,000 across qualifying accounts.

Similar to the high-end Chase checking accounts, the premium Bank of America and Wells Fargo accounts offer some free use of out-of-network ATMs, and complimentary services and products including check orders and more.

At $25, the Portfolio by Wells Fargo monthly fee is the same as that of Chase Premier Plus Checking℠ and Chase Sapphire℠ Checking if you don’t meet minimum balance requirements.

Is a Chase checking account the right choice?

Chase checking accounts are generally a solid bet if you have easy access to their ATMs and can avoid the monthly fees.

If you’re not in the Chase branch network, can’t avoid the monthly fees or are looking to earn interest on your checking, check out NerdWallet’s best credit unions and top online banks. Or see how other national banks compare.

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