Personal banking is at the heart of Chase Bank, with accounts and solutions to fit almost every banking need. Here are the details of Chase Secure Banking, along with the bank’s other offerings.
Chase Secure Banking
Chase Secure Banking is a basic low-cost checking account with no minimum opening deposit. If you’re in the market for a new checking account, this might be the time to think about Chase Secure Banking.
Through July 24, 2024, you can earn a $100 bonus when you open a Chase Secure Checking account with qualifying transactions You can sign up for an account online or receive an offer coupon via email to bring with you to a local Chase bank branch. Once enrolled, you must complete 10 qualifying transactions within 60 days. Qualifying transactions include:
- Debit card purchases
- Online bill payments
- Chase QuickDeposit
- Zelle transactions
- ACH transactions
Chase Secure Banking carries a $4.95, the monthly service fee can be waived when you have electronic deposits made into the account totaling $250 or more during each monthly statement period. Despite the fee, the account offers plenty of ways to save money, including:
- No overdraft fees
- No fees at Chase ATMs
- No fees to send money via Zelle
- No fees for online bill pay
Keep in mind that these free features are included with many popular checking accounts these days. Also, Chase Secure Banking accounts don’t come with check-writing privileges. There are also no options to send or receive wire transfers. However, you can access your funds at more than 4,700 Chase branches and over 15,000 fee-free Chase ATMs.
With Chase Secure Banking, you only spend the money you have on deposit. The bank will decline or return a transaction when the customer does not have enough money in the account to cover the charge.
Other Chase Banking Products and Services
Chase offers numerous personal banking products and solutions, including:
- Chase Total Checking®
- Chase Premier Plus Checking℠
- Chase First Banking℠
- Chase High School Checking
- Chase College Checking℠
- Chase Sapphire Banking
- Chase Private Client Checking℠
- Chase Savings℠
- Chase Premier Savings℠
- Chase Bank Certificates of Deposit
- Military banking
- Credit cards
- Automotive financing
- Home mortgages and refinancing
- Investing and retirement solutions
- Small business banking and solutions
- Commercial solutions
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FAQs
Chase Secure Banking℠ Review. Chase Secure Banking is a good option if you want to receive your direct deposits up to two days early. You can also earn a bonus of $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 7/24/2024).
What is the withdrawal limit for Chase Secure banking? ›
ATM withdrawals have several restrictions, depending on the ATM: Chase in-branch ATM limit: $3,000. Other Chase ATM limit: $1,000. Non-Chase ATM limit: $500.
Can you overdraft with Chase Secure banking? ›
Even if you have a negative balance, we will not charge you an overdraft fee. New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods.
What are the disadvantages of Chase Bank? ›
Cons
- Low interest rates on CDs, savings and checking accounts.
- Monthly fees with most accounts if you don't qualify for waivers.
- Out-of-network ATM fees with Chase's basic accounts.
What is Chase Secure Banking? Chase Secure Banking is a low-cost checking account with no minimum opening deposit. The account carries a $4.95 monthly service fee but doesn't charge overdraft fees or other common bank fees.
What's the difference between secure banking and checking account? ›
Chase Secure Banking is a checking account that offers perks like early direct deposit and zero overdraft fees. There's no minimum deposit at opening, and you can even earn a $100 bonus for new account holders after completing qualifying activities.
How do I avoid the monthly fee on Chase Secure banking? ›
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 FedNowSM network, or (iii) third party ...
Does Chase Secure banking have a debit card? ›
Activate your debit card
Use it to conveniently make everyday transactions, plus you'll pay no fees when you use it to withdraw cash or make deposits at Chase ATMs.
Does Chase Secure banking have direct deposit? ›
Early direct deposit is a service that comes with your Chase Secure Banking account in which we credit your eligible direct deposit transaction up to two business days early. If you are already signed up for direct deposit, then you will be automatically enrolled.
Can I overdraft my Chase account by $500? ›
If your account balance at the end of the business day is overdrawn by more than $50, then you need to make a deposit or transfer to avoid an Overdraft Fee on the transactions that overdrew your account.
If you don't have Overdraft Protection or you don't have enough funds in your linked Chase savings account, and you: Choose NO, the transaction will be declined and you won't be charged an Overdraft Fee.
How long can you be negative in your bank account Chase? ›
For Chase Sapphire℠ Checking and Chase Private Client Checking℠ accounts, there are no Overdraft Fees when item(s) are presented against an account with insufficient funds on the first four business days during the current and prior 12 statement periods.
What is the best CD rate at Chase Bank? ›
Chase's featured CDs offer the best CD rates on balances of $100,000 or more. Chase's two-month CD offers 5% APY and its nine-month CD offers 4.75% APY.
What's better Bank of America or Chase? ›
Bank of America pays slightly higher interest on your account balance. It also has a lower monthly fee and more options to have it waived. While the comparison between the two banks' checking accounts stacks up as a draw, the clear winner among savings accounts is Bank of America Advantage Savings.
Is Chase or Wells Fargo better? ›
Chase Total Checking comes with a $12 monthly maintenance fee, while Wells Fargo Everyday Checking customers are charged $10 a month. Both banks waive the fees when the accounts take in direct deposits totaling $500 or more each month. You also can avoid the monthly charges by maintaining a daily balance.
How secure is Chase online banking? ›
2-step verification requires you to enter a unique code every time you sign in to Chase.com on a browser. This helps ensure that it's actually you and not someone suspicious.
Is Chase private banker worth it? ›
It's good for high-net-worth individuals who want an all-inclusive banking and investment experience. It's also worth considering if you perform a lot of banking actions that currently cost you fees. The fee waivers can add up to a lot of savings. The home and auto loan rate discounts are also valuable.
Is Secure bank safe? ›
Is my money safe? Yes, your savings with Secure Trust Bank are protected up to £85,000 per person by the Financial Services Compensation Scheme (FSCS).
