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Double-check that your new account fits you best

When you turned 19, your Chase High School Checking℠ account was automatically converted to Chase Total Checking®.

Take a moment to review your account details and make sure it’s the best fit for you.

Chase Total Checking®

  • This is your current account.
  • Enjoy the same banking benefits you’re used to, plus Chase Overdraft Assist℠.
  • There's a $15 Monthly Service Fee that can be avoided in several ways, such as with qualifying direct deposits totaling $500 or more per statement period.

Chase College Checking℠

  • If you’re heading to college or already there, this could be the perfect account for you.
  • For ages 17-24, pay no Monthly Service Fee up to the graduation date provided at account opening (five years 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.

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

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

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.

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.

Schedule a meeting with a banker

If you'd like to change your account to Chase College Checking℠ or Chase Secure Banking℠, schedule a meeting with one of our bankers to make the switch.

 

As a reminder, your parent or guardian is still a co-owner on your new checking account. To update account owners, you both will need to meet with a banker to have them removed.

Schedule a meeting