Skip to main content

It’s time to graduate

After your 19th birthday, your Chase High School Checking℠ account will convert to Chase Total Checking®. However, we offer other accounts that may fit you better. Whichever account you choose, your account number and debit card number will remain the same.

Here’s a quick summary of your options

Chase College Checking℠

  • For students 17–24 years old at account opening, enrolled in college or a vocational, technical or trade school. Proof of student status may be required.
  • $0 Monthly Service Fee up to the graduation date provided at account opening (five year maximum).
  • Meet with a banker to switch to this account.

Chase Secure Banking℠

  • Spend only the money you have available, without worrying about overdraft fees.
  • There is a $4.95 Monthly Service Fee that you can avoid with qualifying direct deposits totaling $250 or more per 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.

A closer look at each option to help you understand the difference in fees

Monthly Service Fee & How to Avoid

Monthly Service Fee:
  • $0 Monthly Service Fee while in school (five years maximum); then, $0 or $15 after graduation
Eligibility for $0 Monthly Service Fee:
  • $0 Monthly Service Fee up to the expected graduation date provided at account opening (five years maximum) OR when you have any ONE of the following during each monthly statement period; $500+ in qualifying electronic deposits; or $1,500+ average ending day balance in this account; 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.

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, for a total of $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.

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 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.

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 up to the expected graduation date provided at account opening (five years maximum) OR when you have any ONE of the following during each monthly statement period; $500+ in qualifying electronic deposits; or $1,500+ average ending day balance in this account; 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.

Other miscellaneous fees apply. See Clear & Simple Product Guide (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 College Checking℠ or 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