ChaseChase Secure Banking
APY
0.00%
Min. to Open
None required
Monthly Fee
$4.95/month
Welcome Bonus
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Chase Secure Banking
Chase Secure Banking
No overdraft fees; $4.95/mo or waived with qualifying activity. April 2026.
Our take
Predictable flat fee and no overdraft charges — strong if you want a national branch/ATM footprint.
Highlights
What we like
No overdraft fees on this account design
Huge Chase ATM and branch network
The trade-off
Monthly fee unless you qualify for waiver
Is this account right for you?
Answer a few quick questions — we'll match you with the bank accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 0.00% |
Fees & Requirements
| Monthly fee | $4.95/month |
| Fee waiver | Qualifying direct deposits or linked Chase mortgage |
| Minimum to open | None required |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
| Check writing | Not available |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.00%. Rates are variable and may change. Check the bank's site for the most current rate.
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
How do I avoid the monthly fee?
The monthly fee of $4.95 can be waived if you Qualifying direct deposits or linked Chase mortgage.
Chase Secure Banking