Chase is the largest bank in the United States — over 4,700 branches, 16,000 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 | $12 | $500+ direct deposit, $1,500 daily balance, or $5,000 combined | 0.01% | Most customers |
| Secure Banking | $4.95 | None (flat fee, no waiver) | 0.01% | No-overdraft, no-surprise banking |
| Premier Plus | $25 | $15,000 combined balance or auto-savings | 0.01% | Higher-balance customers |
| Sapphire Banking | $0 | Requires $75,000 combined balance | 0.01% | Premium checking, no wire fees |
| Private Client | $0 | Requires $150,000+ combined Chase accounts | 0.01% | Wealth management, highest limits |
| Savings | $5 | $300+ balance, linked checking, or $500+ auto-transfer | 0.01% | Basic savings (not high-yield) |
Key point: Chase savings pays 0.01% APY. For competitive savings rates (4.00%+), 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; Chase Overdraft Assist gives you until the end of the business day to bring your balance positive before the fee is charged.
| Fee | Amount | How to Avoid |
|---|---|---|
| Monthly checking fee | $4.95–$25 | Direct deposit ≥$500, 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 16,000 Chase ATMs |
| Wire transfer (domestic, outgoing) | $25 online / $35 branch | Free with Sapphire or Private Client |
| Wire transfer (international) | $40–$50 | Reduced with Sapphire/Private Client |
| Cashier’s check | $8 | Free with Sapphire and Private Client |
| Stop payment | $30 | — |
For the full fee schedule — including returned item fees, foreign transaction fees, and account-specific exceptions — see the Chase fees guide.
Chase ATM Limits
Chase’s 16,000-ATM network covers every major metro area and many rural locations. The $500–$1,000 daily ATM withdrawal limit is the most commonly asked-about limit, and it can be raised by calling Chase or visiting a branch.
| Account Type | Daily ATM Limit | Daily Debit Purchase Limit |
|---|---|---|
| Total Checking (standard) | $500–$1,000 | $3,000–$7,500 |
| Premier Plus / Sapphire | $1,000–$2,000 | Higher |
| Private Client | $2,000–$5,000 | Higher |
Chase charges a $3 fee for out-of-network ATM use (plus the ATM owner’s surcharge). With 16,000 Chase ATMs plus access to 15,000+ Allpoint ATMs for Liquid and Secure Banking accounts, 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 | $2,000–$5,000 | $16,000–$40,000 | Minutes |
| External ACH transfer | $25,000 | $100,000 | 1–3 business days |
| Domestic wire (online) | $100,000 | Varies | Same day |
| Internal Chase transfer | Unlimited | Unlimited | Instant |
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’s mobile deposit cutoff is 11:00 PM ET — later than most major banks — giving customers on both coasts a wide window for same-day processing. Standard daily limits run $2,000–$5,000 depending on account age.
| Account Type | Daily Limit | Monthly Limit | Cutoff |
|---|---|---|---|
| Standard (newer accounts) | $2,000 | $5,000 | 11 PM ET |
| Established accounts | $5,000 | $25,000 | 11 PM ET |
| Private Client | $10,000–$25,000 | Higher | 11 PM ET |
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 branches keep standard retail banking hours. Most locations are open Monday through Saturday, with reduced Saturday hours and closures on Sundays and federal holidays.
| Channel | Typical Hours |
|---|---|
| Branches | Mon–Fri 9AM–5PM, Sat 9AM–2PM (varies by location) |
| Phone (personal) | 24/7 |
| Mobile app / Online | 24/7 |
| ATMs | 24/7 |
Branch hours vary significantly by location — urban branches often stay open until 6PM weekdays, while smaller market branches may close at 4PM. Holiday schedules affect branches but not ATMs or digital banking. For how to find your branch’s exact hours, holiday closures, and same-day banking alternatives, see the Chase bank hours guide.
Chase Customer Service
Chase customer service is available 24/7 by phone for personal banking and credit cards. The Chase mobile app’s secure messaging is the best option for non-urgent issues — responses typically arrive within a few hours without any hold time.
| Department | Phone | Hours |
|---|---|---|
| Personal banking | 1-800-935-9935 | 24/7 |
| Credit cards | 1-800-432-3117 | 24/7 |
| Fraud / Lost card | 1-800-935-9935 | 24/7 |
| Business banking | 1-800-242-7338 | Mon–Fri 8AM–9PM ET, Sat 9AM–3PM ET |
| Mortgage | 1-800-848-9136 | Mon–Fri 8AM–9PM ET |
| Auto loans | 1-800-336-6675 | Mon–Fri 8AM–10PM ET |
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 | N/A ($4.95 flat, no waiver) | No overdraft |
| Savings | $0 | $300 daily | N/A |
| Premier Plus | $0 | $15,000 combined | $34 |
| Sapphire Banking | $0 | $75,000 combined | Waived |
| Private Client | $0 | $150,000 combined | Waived |
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 — Branch hours, holiday schedule, 24/7 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 $12 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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