Chase Checking Account Review 2023: Are Chase Checking Accounts Reliable?

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Chase is one of the best national banks out there, and it offers multiple checking accounts. Your best fit could come down to what perks you want and whether you can waive the monthly fee. Chase is a good option if you're looking for a cash bonus — several of its checking accounts are featured in our best bank account bonuses guide.

Chase Checking Accounts Review

Chase Total Checking® Overview

Chase Total Checking is a good option if you want a basic checking account, because it's easy to waive the Chase Total Checking® - Fees Display. You just have to electronically deposit $500 per month, start each day with a $1,500 balance, or maintain a daily average balance of $5,000 in all of your Chase accounts. You also may qualify for a Chase Total Checking® - Ongoing Bonus bonus.

Chase Total Checking Review

Chase Secure Banking℠ Overview

You can't waive the monthly fee on your Chase Secure Banking account, but the Chase Secure Banking℠ - Fees Display charge is relatively low and you won't have to worry about overdraft fees.

You might like this account if you're unable to waive the Chase Total Checking® - Fees Display with Chase Total Checking® - Editorial Name Only. You can also earn a bonus of Chase Secure Banking℠ - Intro Bonus.

Chase Secure Banking Review

Chase Premier Plus Checking℠ Overview

You get more perks with Chase Premier Plus Checking℠ - Product Name Only, including four waived out-of-network ATM fees each month.

However, you'll pay a Chase Premier Plus Checking℠ - Fees Display if you don't qualify to waive the fee. There's no cash bonus.

Chase Premier Plus Checking Review

Chase Sapphire℠ Banking - Product Name Only Overview

Chase Sapphire℠ Checking - Product Name Only comes with many of the same benefits as Premier Plus Checking, plus waived foreign transaction and wire transfer fees. You'll need $75,000 in all of your Chase and partner accounts to waive the Chase Sapphire℠ Checking - Fees Display, though. There's also no cash bonus with this account.

Chase Sapphire Checking Review

Chase Private Client Checking Account Overview

Chase Private Client Checking℠ - Product Name Only includes many of the same perks as Sapphire Banking, plus access to a private banker for customized service and exclusive events. You'll also have a Business Relationship Manager, which is useful if you're a business owner. You may qualify for a bonus of up to Chase Private Client Checking℠ - Ongoing Bonus.

To waive the Chase Private Client Checking℠ - Fees Display, you'll need $150,000 in all of your Chase and partner accounts.

Chase Private Client Checking Review

Chase Business Complete Checking - Product Name Only Overview

Chase Business Complete Checking - Product Name Only is the bank's small business checking account. There's a Chase Business Complete Checking - Fees Display, but Chase offers several ways to waive it. You may be eligible for a cash bonus of Chase Business Complete Checking - Ongoing Bonus.

Chase Checking Account Pros and Cons

Chase Checking FAQs

Does Chase have checking account bonuses?

Yes, Chase has checking account bonuses for Chase Total Checking, Chase Secure Banking, Chase Private Client Checking, and Chase Complete Business Checking.

Is Chase a good bank for a checking account?

Chase can be a good place to open a checking account if you qualify to waive the monthly fee with an account that meets your needs. If you can't waive the fee but want a free checking account, you may be better off banking elsewhere.

What is the best checking account at Chase?

Chase has several types of checking accounts, but Chase Total is the best checking account for most customers, because it's relatively easy to waive the monthly fee. The account also has lenient requirements to earn a Chase Total Checking® - Ongoing Bonus bonus. But the best account will depend on your exact needs.

Is Chase checking customer service good?

Chase has strong customer service overall. You can call an agent 24/7, and it ranks second in the J.D. Power 2022 National Banking Satisfaction Study.

Does Chase have a free checking account?

Chase does not have a free checking account, but Chase Total Checking® makes it easy to waive the monthly service fee. You just need to do one of the following each month: electronically deposit $500, start each day with a $1,500 balance, or have $5,000 in all of your Chase accounts combined.

What is the minimum amount for a Chase checking account?

You don't need any money to open a Chase checking account. You will need to keep a minimum balance to waive the monthly fee on most accounts, though. The exception is Chase Secure Banking, which charges a fixed $4.95 monthly fee, regardless of your balance.

Why You Should Trust Us: How We Reviewed Chase Checking Accounts

We rated Chase checking accounts using Insider's bank account methodology. We rate each checking account from zero to five, based on seven categories: ethics, customer service, mobile app, minimum opening deposit, monthly service fees, overdraft fees, and ATM network/fees. See what top checking accounts made our list.