Please update your browser.Chase Sapphire Checking
Understanding checking and savings account fees
Chase Sapphire℠ Checking Account Fees
Open for details, including ways to avoid certain fees.
Account Fees
Overdrafts happen when you make a purchase or payment, or write a check, and there isn't enough money in your checking account to cover it.
If paid: $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).
With Sapphire Banking, there are no overdraft fees up to four days a year.
Chase Overdraft Assist℠ helps you with:
- Confidence: $0 overdraft fees if you're overdrawn by $50 or less at the end of the business day
- Time: $0 overdraft fees if you're overdrawn by more than $50 at the end of the business day and you bring your account balance to overdrawn by $50 or less at the end of the next business day
We also don't charge an overdraft fee for certain things, like if a transaction is declined or returned unpaid, or for transactions that are $5 or less.
Helpful tip: You can use Zelle® on the Chase Mobile® app to pay people you know and trust who have a bank account in the U.S. instead of getting cash at a non-Chase ATM.
No Chase fee for ATM use worldwide, including:
- Non-Chase ATM transactions
- Refund of ATM Surcharge Fees charged to you at non-Chase ATMs
- Foreign Exchange Rate Adjustment
Wires, Money Orders and other Fees
As a Chase Sapphire℠ Checking customer you enjoy no Chase fees on the following:
- Wire Transfer Fees
- Money Order
- Cashier's Check
- Counter Check
- Stop Payment
- Debit card replacement
- Debit Card Foreign Exchange Rate Adjustment
Looking for more details about fees?
See the Deposit Account Agreement and Additional Banking Services and Fees (PDF).