Chase Secure Banking | Checking Account With No Overdraft Fees (2025)

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¹ For Chase Secure Checking^SM only: Early direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions.

² We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.

³ New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

⁴ Service Fee: Chase Secure Checking has no Monthly Service Fee when you have electronic deposits made into this account totaling $250 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow^SM network, or (iii) third party services that facilitate payments to your debit card using the Visa^® or Mastercard^® network. Otherwise a $4.95 Monthly Service Fee will apply. New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking.

⁵ Chase Mobile^® app is available for select mobile devices. Enroll in Chase Online^SM or on the Chase Mobile app. Deposits made through the Chase Mobile app are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile app for eligible mobile devices, limitations, terms, conditions and details. Message and data rates may apply.

⁶ Savings represents the average monthly reported savings on fees for money orders, check cashing, US remittances, and bill paying services by 1018 Chase Secure Banking customers who responded to a Chase survey fielded in October 2023. Your savings may vary.

⁷ Enrollment in Zelle^® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle^® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle^® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile^® app or Chase Online^SM. Limitations may apply. Message and data rates may apply.

Zelle^® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle^® nor Chase provide protection if you make a purchase of goods using Zelle^® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle^® payments, see your account agreement. Neither Chase nor Zelle^® offers reimbursement for authorized payments you make using Zelle^®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle^®. This reimbursement program is not required by law and may be modified or discontinued at any time.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

⁸ You may be charged fees for using non-Chase ATMs by both Chase and the ATM owner/network (Surcharge Fees). See the Deposit Account Agreement for details.

⁹ Chase Online Bill Pay: Must enroll in Chase Online^SM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.

¹⁰ The Testimonials on this page or provided via linked videos are the sole opinions, findings or experiences of our customer and not those of JPMorgan Chase Bank, N.A. or any of its affiliates. These opinions, findings, or experiences may not be representative of what all customers may achieve. JPMorgan Chase Bank, N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the testimonial information provided.

¹¹ This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your VantageScore. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the VantageScore^® 3.0 model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s).

¹² Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.

¹³ Budget is meant to help you track and manage your spending, and is based on posted transactions within your Chase accounts. You will need at least one Chase checking account and one Chase credit card (some partner debit and credit cards may not be available) to take advantage of this tool. It may not include all your financial activity, such as other sources of income or external transactions. The numbers we provide are updated throughout the day, but are subject to adjustment and correction; consider your full financial picture when making decisions.

¹⁴ Account Alerts: There's no charge from Chase, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.