Chase is the largest US bank with roughly 4,700 branches and 80 million customers. Its checking accounts charge monthly fees of $4.95 to $35 — but every fee except Secure Banking’s can be eliminated by meeting a minimum balance or direct deposit requirement. Here is the exact number for each account.
Chase Checking Account Minimums
Every Chase Checking Account Compared
| Account | Monthly Fee | Minimum to Waive | Other Waivers |
|---|---|---|---|
| High School Checking | $0 | None | Age 13–17 only |
| College Checking | $0 | None | Enrolled in college, age 17–24 |
| Secure Banking | $4.95 | Cannot be waived | $250+ in qualifying electronic deposits or an account owners 17-24 years old |
| Total Checking | $12 | $1,500 daily balance | $500+ electronic deposits, or $5,000 average daily across linked Chase accounts and loans |
| Premier Plus Checking | $25 | $15,000 average daily (account + linked Chase deposit accounts) | Qualifying Chase home mortgage with automatic payment from this account |
| Private Client Checking | $35 | $150,000 average across qualifying linked accounts | None |
Chase Total Checking
Total Checking is Chase’s most common account. The monthly service fee is $12. There is no minimum balance to open the account, but if you do not waive the fee, you pay it every month.
Three ways to waive the $12 fee:
- Have electronic deposits totaling $500 or more each month — this usually means a direct-deposited paycheck
- Keep a daily balance of $1,500 or more in the account
- Keep an average daily balance of $5,000 or more across all linked Chase accounts and loans
Any one of these waives the fee.
Chase Secure Banking
The $4.95 monthly fee is fixed and can be waived by $250+ in qualifying electronic deposits or an account owner that is 17-24 years old.
Chase College Checking
Designed for students aged 17 to 24. The monthly fee is $0 for up to five years while you are enrolled in college. After graduation or after five years, the account converts to Chase Total Checking and the $12 fee applies unless waived.
Chase High School Checking
For ages 13 to 17. The monthly fee is $0 and there is no minimum balance requirement.
Chase Premier Plus Checking
The monthly fee is $25, waived by maintaining an average daily balance of $15,000 or more across the account and linked Chase deposit accounts, or by having a qualifying Chase home mortgage with automatic payment from this account.
Chase Private Client Checking
The monthly fee is $35, waived with an average $150,000 across qualifying linked accounts and investments.
Chase Savings Account Minimum Balance
Chase Savings requires a $300 minimum daily balance to waive its $5/month service fee. The fee is also waived with a $25/month automatic transfer from a Chase checking account, for account holders under 18, or when linked to a Chase Premier Plus or Sapphire Checking account.
Chase Premier Savings requires a $15,000 average daily balance — or a linked Premier Plus or Sapphire Checking account — to waive its $25/month fee.
For complete details including rates and whether Chase Savings is worth keeping, see the Chase savings account guide.
Bottom Line
| Account | Monthly Fee | Easiest Waiver |
|---|---|---|
| High School Checking | $0 | Age 13–17 |
| College Checking | $0 | Enrolled in college |
| Secure Banking | $4.95 | $250+ electronic deposits or age 17-24 years |
| Total Checking | $12 | $500+ electronic deposits |
| Premier Plus | $25 | $15,000 average daily balance |
| Private Client | $35 | $150,000 average balance |
Chase does not require a minimum balance to keep these checking accounts open, but the monthly fees will continue until you meet a waiver condition.
For a full overview of Chase accounts, fees, limits, and contact information, see the Chase complete guide. To understand debit card eligibility by account and age, see Chase debit card requirements.
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