Chase Bank Fees 2026: Fee Schedule for Checking, Savings & More

Chase is the largest bank in America by assets, with about 5,000 branches and more than 14,000 ATMs nationwide — but that convenience comes with a fee structure that can cost you hundreds of dollars annually if you’re not careful. Here are the main fees Chase charges and how to avoid them.

Chase’s standard checking account (Chase Total Checking) costs $15 per month unless you meet their waiver requirements. Overdraft fees are $34 per transaction (up to 3 a day), and a withdrawal at a non-Chase ATM in the U.S. costs $3, plus any fee the ATM owner charges. The good news: the fees that add up most, the monthly fee, overdrafts and out-of-network ATM charges, can each be avoided with the right approach.

Chase Fees at a Glance

Chase Monthly Maintenance Fees

Chase’s monthly fees vary by account type, with ways to waive each one. Chase’s checking and savings fees run from $5 to $25 a month, so these requirements can be worth roughly $60 to $300 a year.

Chase Checking Account Fees

Total Checking is Chase’s most popular account. The easiest waiver for many people is $500+ in qualifying electronic deposits per statement period — payments from an employer or government entity (benefits, tax refunds) sent by ACH, RTP or FedNow count; Zelle, cash, checks and wires don’t. You need $500 or more in qualifying electronic deposits during each monthly statement period, which can come from more than one deposit.

Secure Banking is Chase’s no-overdraft checking account with no minimum deposit. The $4.95 fee can be waived (see the table above), and there’s no overdraft capability.

Premier Plus (and Sapphire Checking, no longer for sale) are for higher-balance customers. Premier Plus also lists no fee on money orders and cashier’s checks, and its wire fees follow the standard schedule above unless you qualify for the military-pay benefit.

Chase Savings Account Fees

For most people, setting up a $25 automatic monthly transfer from Chase checking is the easiest path to fee-free savings. However, Chase Savings pays little interest, so keep larger balances in a high-yield savings account at an online bank (compare current rates).

Chase Overdraft Fees

Chase charges a $34 overdraft fee, though it has introduced some consumer-friendly policies in recent years, such as no fee when you’re overdrawn by $50 or less.

How Chase Overdraft Works

When you overdraft your Chase account:

1. If you have Overdraft Protection linked: Chase automatically transfers money from your savings account at no charge
2. Without Overdraft Protection: Chase may cover the transaction and charge $34 — but only if your account balance is overdrawn by more than $50 at the end of Chase’s nightly processing; no fee applies if you’re overdrawn by $50 or less
3. Grace period: With Chase Overdraft Assist, you have until 11 PM ET (8 PM PT) the next business day to bring your balance to overdrawn by $50 or less and avoid the fee
4. Daily limit: Chase charges a maximum of 3 overdraft fees per day

Avoiding Chase Overdraft Fees

The simplest way to avoid most overdraft fees is to leave Chase Debit Card Coverage off — it is opt-in, so everyday debit card purchases are declined instead of overdrawing. Checks, automatic payments and recurring debit card purchases can still be paid into overdraft under the Standard Overdraft Practice that comes with most Chase checking accounts. Without Debit Card Coverage, an everyday debit card purchase you can’t cover simply declines — embarrassing but free. Everyday debit card purchases are declined, with no fee, if you choose No for Chase Debit Card Coverage, and declined ATM withdrawals carry no fee either.

Alternatively, link a Chase savings account for free automatic transfers when you overdraft. The money moves automatically with no transfer fee, as long as the savings account has enough to cover the overdraft.

Chase ATM Fees

Finding Chase ATMs

Chase says it has more than 14,000 ATMs and 5,000 branches. Before you rely on one, use the Chase ATM and branch locator to see what is near you.

Pro tip: Chase’s ATM and branch locator (chase.com/locator) shows where the nearest Chase ATM is — plan ahead when you need cash to avoid the $3.00 fee, which is charged on top of any surcharge from the ATM owner. For daily withdrawal caps and how to request a temporary increase, see the Chase ATM withdrawal limit guide.

Chase Wire Transfer Fees

These are the fees in Chase’s Additional Banking Services and Fees schedule for personal accounts (effective June 14, 2026), as shown on Chase’s Total Checking fee page:

Wire fees apply per transfer, and the amount depends on how you send it: online or in the Chase app costs less than a banker-assisted wire. Chase Private Client Checking and Sapphire Checking (no longer for sale) don’t charge them, and incoming wires can be free as shown above; otherwise the main way around them is an alternative. Note the international online-in-foreign-currency option is unusually cheap — free for transfers of $5,000 or more — though an exchange-rate spread applies to any wire sent or received in a foreign currency.

Wire Transfer Alternatives

For most situations, cheaper or free alternatives exist:

Save wire transfers for situations that truly require them — like real estate closings where large sums need to arrive quickly and traceably. For the full daily and monthly limits on Zelle, ACH, and wire transfers, see the Chase transfer limit guide.

Other Chase Fees

Account Service Fees

Debit Card Fees

Miscellaneous Fees

How to Avoid Chase Fees: Complete Strategy

For the Typical Customer

1. Set up direct deposit — $500 or more a month in qualifying electronic deposits waives the $15 monthly fee
2. Leave Debit Card Coverage off — Everyday debit card purchases decline instead of costing $34 (checks and automatic payments can still overdraw)
3. Use only Chase ATMs — 14,000+ free ATMs nationwide
4. Use Zelle instead of wires — No Chase fee, and money usually arrives within minutes

For Low-Balance Customers

If you can’t meet the $500 direct deposit or $1,500 balance requirements:

1. Consider Chase Secure Banking — $4.95/month (waivable) and no overdraft fees
2. Consider switching to Capital One 360 or Ally Bank — neither charges a monthly fee or overdraft fees

For High-Balance Customers

If you maintain $15,000+ at Chase:

1. Upgrade to Premier Plus Checking — Premier Plus has its own fee schedule; compare its fees before upgrading
2. Link your accounts — balances in linked Chase checking, savings, and CDs can count toward the average-balance waiver option

Chase Fees vs. Competitors

In this table, Chase’s monthly, overdraft and out-of-network ATM fees are higher than Bank of America’s, and Capital One and Ally list $0 for all three. Outgoing wires cost $20 to $35 at all four.

Is Chase Worth the Fees?

Chase makes sense if you:

• Value branch access (about 5,000 locations)
• Can meet fee waiver requirements easily
• Want integration with Chase credit cards
• Need business banking alongside personal accounts

Consider alternatives if you:

• Struggle to maintain $1,500 balance
• Frequently overdraft
• Live far from Chase branches/ATMs
• Prioritize earning interest on deposits

For a full overview of Chase accounts, limits, and contact information, see the Chase complete guide.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.