Chase is the largest bank in the United States by assets — about 5,000 branches, more than 14,000 ATMs, and a mobile app consistently rated best-in-class. It’s the top choice for everyday checking, in-person banking, and credit cards. The main trade-off: savings rates near zero and monthly fees you’ll need to actively waive. This guide covers every aspect of Chase banking in 2026.
Chase Accounts at a Glance
| Account | Monthly Fee | Fee Waiver | APY | Best For |
|---|---|---|---|---|
| Total Checking | $15 | $500+ qualifying electronic deposits, $1,500 daily balance, $5,000 combined, or linked qualifying checking | None (doesn’t earn interest) | Most customers |
| Secure Banking | $4.95 | $250+ electronic deposits, linked qualifying checking, or age 17-24 | None (doesn’t earn interest) | No-overdraft, no-surprise banking |
| Premier Plus | $25 | $15,000 combined balance, linked qualifying checking, linked Chase mortgage, or servicemember/veteran | 0.01% | Higher-balance customers |
| Sapphire Banking (no longer for sale) | $25 | Waived with $75,000+ average beginning day balance, or a linked qualifying checking account | Variable | Existing premium customers |
| Private Client | $35 | $150,000+ average beginning day balance with linked deposits and investments, or a linked qualifying checking account | 0.01% | Wealth management, highest limits |
| Savings | $5 | $300+ balance, $25+ automatic transfers from Chase checking, a linked Premier Plus or higher checking account, or owner under 25 | 0.01% | Basic savings (not high-yield) |
Key point: Chase savings pays 0.01% APY. For competitive savings rates (3%+ at online banks), pair your Chase checking with a high-yield savings account at an online bank.
Chase Fees
Chase’s fee structure is typical of big banks — monthly fees exist but are straightforward to waive for most customers. The $34 overdraft fee is the most important to avoid; With Chase Overdraft Assist there’s no fee if you’re overdrawn by $50 or less at the end of the business day, or if you bring the balance back to that point by 11 p.m. ET on the next business day.
| Fee | Amount | How to Avoid |
|---|---|---|
| Monthly checking fee | $4.95–$25 | Qualifying electronic deposits, minimum balance, or combined balance |
| Overdraft fee | $34 (max 3/day) | Overdraft Assist window, linked savings, or Chase Secure Banking |
| Non-Chase ATM fee | $3.00 | Use any of 14,000+ Chase ATMs |
| Wire transfer (domestic, outgoing) | $25 online / $35 branch | Private Client: no Chase fees on wires |
| Wire transfer (international) | $40–$50 | Private Client: no Chase fees on wires |
| Cashier’s check | $10 | Free with Secure Banking, Premier Plus, Sapphire and Private Client |
| Stop payment | $30 banker / $25 online | Free with Sapphire and Private Client |
For more fees — including foreign exchange fees, legal processing and account-specific exceptions — see the Chase fees guide.
Chase ATM Limits
Chase says it has more than 14,000 ATMs. Daily ATM limits depend on your card type and which ATM you use, and you can ask Chase for a different limit (subject to approval).
| Card Type | Daily ATM Limit (non-Chase ATM / other Chase ATM / Chase in-branch ATM) | Daily Debit Purchase Limit |
|---|---|---|
| Chase Debit Card (standard) | $500 ($1,000 if opened in CT, NJ, NY) / $1,000 / $3,000 | $5,000 |
| Chase Sapphire Banking Debit Card | $1,000 ($2,000 if opened in CT, NJ, NY) / $3,000 / $3,000 | $7,500 |
| Chase Private Client Debit Card | $2,000 / $3,000 / $3,000 | $7,500 |
Chase charges a $3 fee for out-of-network ATM use (plus the ATM owner’s surcharge). With 14,000+ Chase ATMs most customers stay in-network. For the full limit breakdown, how to request a temporary increase, and a comparison with other major banks, see the Chase ATM withdrawal limit guide.
Chase Transfer Limits
Chase offers multiple ways to move money, each with different daily caps. Zelle is the fastest for person-to-person payments; ACH works for large account-to-account transfers; wire transfers handle same-day large amounts.
| Transfer Method | Daily Limit | Monthly Limit | Speed |
|---|---|---|---|
| Zelle (personal) | $500, $2,000, $5,000 or $10,000 by tier | Not published | Typically minutes |
| External ACH transfer | Not published; shown when you schedule | Not published | 1–3 business days |
| Domestic wire (online) | Not published; shown when you set up the wire | Varies | Same day |
For the full breakdown by account type, how to increase your Zelle limit, and wire transfer instructions, see the Chase transfer limit guide.
Chase Mobile Deposit Limits
Chase shows your daily and monthly mobile deposit limits when you start a deposit, and says deposit limits may change at any time. Check the app for the cutoff that applies to your deposit.
For limit increase options, hold time rules under Regulation CC, and step-by-step deposit instructions, see the Chase mobile deposit limit guide.
Chase Routing Numbers
Chase has multiple routing numbers — one per state region, reflecting its acquisition history. Most customers need the routing number for their state where the account was opened.
| State | Routing Number |
|---|---|
| New York | 021000021 |
| California | 322271627 |
| Texas | 111000614 |
| Illinois | 071000013 |
| Florida | 267084131 |
| Ohio | 044000037 |
| Arizona | 122100024 |
| New Jersey | 021202337 |
| Washington | 325070760 |
| Georgia | 061092387 |
Wire transfers use a separate routing number (021000021 for domestic wires, regardless of state) and the SWIFT code CHASUS33 for international wires. For all states, wire instructions, and how to find your number in the Chase app, see the Chase routing number guide.
Chase Branch Hours
Chase branch hours differ by location and are shown for each branch in the Chase locator. For how to find your branch’s hours and what to do when a branch is closed, see the Chase bank hours guide.
Chase Customer Service
Chase lists phone numbers for personal banking and credit cards but does not state calling hours for them on its customer service page. The Chase mobile app’s secure messaging is an option for non-urgent issues.
| Department | Phone | Hours |
|---|---|---|
| Personal banking | 1-800-935-9935 | Not listed by Chase |
| Credit cards | 1-800-432-3117 | Not listed by Chase |
| Fraud (personal checking, savings, debit) | 1-800-935-9935, option 8 | Mon–Fri 8 AM–midnight ET, Sat–Sun 9 AM–6 PM ET |
| Business banking | 1-800-242-7338 | Not listed by Chase |
| Home lending | 1-800-848-9136 | Mon–Fri 8 AM–8 PM ET, Sat 9 AM–6 PM ET, Sun closed |
| Auto loans | 1-800-336-6675 | Not listed by Chase |
For specialized department numbers, how to reach a live person quickly, best call times, and how to escalate unresolved issues, see the Chase customer service guide.
Chase Minimum Balance Requirements
Most Chase checking accounts can be opened with $0, but maintaining a minimum balance is the easiest way to waive the monthly fee on most account types.
| Account | Minimum to Open | Balance to Waive Monthly Fee | Overdraft Fee |
|---|---|---|---|
| Total Checking | $0 | $1,500 daily or $5,000 combined | $34 per item |
| Secure Banking | $0 | $250+ electronic deposits, linked qualifying checking, or age 17-24 | No overdraft |
| Savings | $0 | $300 daily | N/A |
| Premier Plus | $0 | $15,000 combined | $34 |
| Sapphire Banking (no longer for sale) | $0 | $75,000+ average beginning day balance, or a linked qualifying checking account | None on the first 4 business days with insufficient funds in the current and prior 12 statement periods |
| Private Client | $0 | $150,000 combined | None on the first 4 business days with insufficient funds in the current and prior 12 statement periods |
For the full breakdown of each account’s balance tiers, how combined balances are calculated, and strategies for waiving fees without a large balance, see the Chase minimum balance guide.
All Chase Guides
- Chase Fees 2026 — Monthly fees, overdraft fees, wire costs, and how to avoid them
- Chase ATM Withdrawal Limit — Daily limits by account, how to request an increase, ATM network map
- Chase Transfer Limit — Zelle, ACH, and wire limits by account type
- Chase Mobile Deposit Limit — Daily/monthly caps, cutoff times, hold policies
- Chase Routing Number — All state routing numbers, wire routing, SWIFT code
- Chase Bank Hours — How to find branch hours, phone line hours, digital alternatives
- Chase Customer Service — All phone numbers, best contact methods, escalation path
- Chase Minimum Balance — Balance requirements, fee waiver strategies by account type
The Bottom Line
Chase is the best big bank for most Americans — unmatched branch access, an excellent mobile app, and a credit card ecosystem (Sapphire Preferred, Freedom Unlimited, Sapphire Reserve) that leads the industry. The $15 Total Checking monthly fee is easy to waive with direct deposit. The one significant limitation is the near-zero savings rate — pair Chase checking with a high-yield online savings account to get the best of both worlds.
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