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It’s time to graduate

After your 19th birthday, your Chase High School Checking℠ account will convert to Chase Total Checking®. As you continue on your financial journey, now is a great time to make sure you have the right account to grow with you. Whichever account you choose, your account number and debit card number will remain the same.

Your next steps and available choices:

Chase Secure Banking℠

  • Spend only the money you have available, without worrying about overdraft fees.
  • There's a $0 Monthly Service Fee until you turn 25. After that, there's a $4.95 Monthly Service Fee that can be avoided with qualifying direct deposits totaling $250 or more each statement period.
  • Meet with a banker to switch to this account.

Chase Total Checking®

  • Our most popular checking account. It offers several ways to get the $15 Monthly Service Fee waived, including with a qualifying direct deposit each statement period.
  • You'll be automatically converted if you don’t choose another option.

For more information on other Chase checking accounts, please go to chase.com/checking.

 

Understand the difference in fees

Monthly Service Fee & How to Avoid

Monthly Service Fee:
  • $4.95
Eligibility for $0 Monthly Service Fee:
  • $0 Monthly Service Fee when you have $250+ in qualifying electronic deposits OR while you're 17-25 years old.
Qualifying Electronic Deposits:
  • Qualifying Electronic Deposits, such as payments from your employer or government entities (benefits, tax refunds, etc.), made using the ACH network, Real Time Payment (RTP®), FedNow® Service, or third-party services that facilitate payments to your debit card using the Visa® or Mastercard® network.
  • Transactions such as Zelle®, cash, checks, wire transfers, and interest payments do not count as Qualifying Electronic Deposits.

Other miscellaneous fees apply. See Additional Banking Services & Fees (PDF) for more information. Account subject to approval.

Overdraft Fees

No overdraft fees. Spend only the money you have available.

Monthly Service Fee & How to Avoid

Monthly Service Fee:
  • $15
Eligibility for $0 Monthly Service Fee:
  • $0 Monthly Service Fee when you have any ONE of the following during each statement period: $500+ in qualifying electronic deposits; or $1,500+ balance at the beginning of each day; or $5,000+ average beginning day balance in this account or in combination with any linked qualifying personal deposits or investments; or link this account to a qualifying checking account.
Qualifying Electronic Deposits:
  • Qualifying Electronic Deposits, such as payments from your employer or government entities (benefits, tax refunds, etc.), made using the ACH network, Real Time Payment (RTP®), FedNow® Service, or third-party services that facilitate payments to your debit card using the Visa® or Mastercard® network.
  • Transactions such as Zelle®, cash, checks, wire transfers, and interest payments do not count as Qualifying Electronic Deposits.
Qualifying Personal Deposits:
  • Qualifying Personal Deposits include balances in this account and any Chase First Checking℠, Chase Savings℠, Certificate of Deposit (CDs), certain Chase Retirement CDs, or certain Chase Retirement Money Market accounts.
Qualifying Investments:
  • Qualifying Investments include balances in certain investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies.
  • We use daily balances for most investment products. Some third-party providers report balances on a periodic basis and we will use the most current balance reported to calculate the average beginning day balance.
  • Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify.
Qualifying Linked Checking Accounts:
  • Qualifying Linked Checking Accounts include J.P. Morgan Private Client Checking Plus, J.P. Morgan Classic Checking, Chase Private Client Checking℠, Chase Sapphire® Checking, Chase Premier Plus Checking℠, Chase Performance Business Checking®, or Chase Performance Business Checking With Interest®.
  • For personal accounts, there must be a common owner.
  • For business accounts, the owner of the linked personal account must be a direct owner of the business and signer on the business account.

Other miscellaneous fees apply. See Additional Banking Services & Fees (PDF) for more information. Account subject to approval.

Overdraft Fees

What it costs:
  • We charge a $34 Overdraft Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).
When a fee won’t be charged:
  • With Chase Overdraft Assist℠, if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist℠ doesn't require enrollment and comes with all Chase checking accounts except Chase First Checking℠, Chase High School Checking℠ or Chase Secure Checking℠.
  • If your transaction is $5 or less.
  • If your debit card transaction was authorized when there was a sufficient available balance in your account.
  • If your check or ACH is returned unpaid. However, we may charge an Overdraft Fee if a previously returned check or ACH is presented again and paid.
  • If your debit card transaction or ATM cash withdrawal request is declined.

Schedule a meeting with a banker

Meet with a banker to talk through whether Chase Secure Banking℠ is a better fit for your financial journey. If Chase Total Checking® is right for you, your account will convert automatically after you turn 19.

 

As a reminder, your account number and debit card number will remain the same. You can also decide if you want to keep your parent or guardian as a co-owner on your new checking account when you meet with a banker.

Schedule a meeting