Chase is the largest bank in the United States with over 4,700 branches, 16,000 ATMs, and a best-in-class mobile app. This guide covers everything you need to know about Chase accounts, fees, limits, and services — plus how to avoid common fees and get the most from your account.
Chase Account Options
| Account | Monthly Fee | Fee Waiver | APY | Best For |
|---|---|---|---|---|
| Total Checking | $12 | $500+ direct deposit, $1,500 balance, or $5,000 combined | 0.01% | Most customers |
| Secure Banking | $4.95 | None | 0.01% | No overdraft risk (prepaid-style) |
| Premier Plus | $25 | $15,000 combined balance or $500 auto-savings | 0.01% | Higher-balance customers |
| Sapphire Banking | $0 | $75,000 combined balance required | 0.01% | Chase Private Client alternative |
| Private Client | $0 | $150,000+ in combined Chase accounts | 0.01% | Wealth management, best perks |
| Savings | $5 | $300+ balance, linked checking, or $500+ auto-transfer | 0.01% | Basic savings |
Chase Fees Guide
| Fee | Amount | How to Avoid |
|---|---|---|
| Monthly checking fee | $4.95-$25 | Direct deposit, minimum balance |
| Overdraft fee | $34 | Overdraft protection, Chase Secure Banking |
| Non-Chase ATM fee | $3 | Use Chase ATMs (16,000+) |
| Out-of-network ATM (owner fee) | $2.50-$3.50 | Use Chase ATMs |
| Wire transfer (domestic, incoming) | $0 | N/A |
| Wire transfer (domestic, outgoing) | $25-$35 | Chase Private Client ($0) |
| Wire transfer (international) | $40-$50 | Chase Private Client (reduced) |
| Cashier’s check | $8 | Sapphire/Private Client ($0) |
| Stop payment | $30 | Only when needed |
| Paper statement | $0 | N/A |
See Chase Bank Fees for the complete fee schedule.
Chase Limits
| Limit Type | Standard Account | Private Client |
|---|---|---|
| ATM withdrawal | $500-$1,000/day | $2,000-$5,000/day |
| Debit card purchase | $3,000-$7,500/day | Higher |
| Mobile deposit | $2,000-$5,000/day | $10,000-$25,000/day |
| Zelle daily limit | $2,000-$5,000/day | $5,000-$10,000/day |
| External transfer | $25,000/day | $100,000/day |
| Wire transfer | $100,000/day | Higher |
See Chase ATM Withdrawal Limit, Chase Mobile Deposit Limit, and Chase Daily Transfer Limit.
Chase Routing Numbers by State
| 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 |
See Chase Routing Number for all states.
Chase Banking Hours
| Channel | Hours |
|---|---|
| Branches | Mon-Fri 9AM-5PM, Sat 9AM-2PM (varies by location) |
| Phone (personal) | 24/7 |
| Phone (business) | Mon-Fri 8AM-9PM ET, Sat 9AM-3PM ET |
| Mobile app | 24/7 |
| ATMs | 24/7 |
| Online banking | 24/7 |
See Chase Bank Hours for holiday schedules.
Chase Customer Service
| Department | Phone Number | Hours |
|---|---|---|
| Personal banking | 1-800-935-9935 | 24/7 |
| Credit cards | 1-800-432-3117 | 24/7 |
| Business banking | 1-800-242-7338 | Mon-Fri 8AM-9PM ET |
| Mortgage | 1-800-848-9136 | Mon-Fri 8AM-9PM ET |
| Auto loans | 1-800-336-6675 | Mon-Fri 8AM-10PM ET |
See Chase Customer Service Number for additional contact options.
Chase Minimum Balance Requirements
| Account | Minimum to Open | Balance for Fee Waiver | Overdraft |
|---|---|---|---|
| Total Checking | $0 | $1,500 daily or $5,000 combined | $34 per item |
| Secure Banking | $0 | N/A ($4.95 flat fee) | No overdraft allowed |
| Savings | $0 | $300 | N/A |
| Premier Plus | $0 | $15,000 combined | $34 |
| Sapphire | $0 | $75,000 combined | Waived |
See Chase Minimum Balance for detailed requirements.
Quick Reference Table
| Topic | Key Info | Learn More |
|---|---|---|
| Customer service | 1-800-935-9935 | Chase customer service |
| ATM withdrawal limit | $500-$1,000/day | Chase ATM limit |
| Monthly fee | $12 (waivable) | Chase bank fees |
| Mobile deposit limit | $2,000-$5,000/day | Chase mobile deposit |
| Transfer limit | $25,000/day | Chase transfer limit |
The Bottom Line
Chase is the best big bank for most people — its app is excellent, its branch network is unmatched, and its credit card ecosystem (Sapphire, Freedom) is industry-leading. The $12 monthly fee on Total Checking is easily waived with direct deposit. The main drawback is the near-zero savings rate — pair your Chase checking with a high-yield savings account at an online bank to get the best of both worlds.
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