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Chase Private Client Checking℠ review

Chase Private Client Checking℠
Finder score
On Chase's secure site
$35 per month
Minimum deposit to open

Our verdict

Access to exclusive perks and VIP treatment if you qualify for this elite program

Chase Private Client Checking℠ is a membership upgrade that comes with a long list of exclusive benefits and perks. And an enticing welcome offer serves as quite the cherry on top. However, it takes an extremely steep requirement to qualify: a daily balance of at least $150,000.


  • Select from an array of Chase credit cards
  • Free customized financial analysis
  • Pay no Chase fees on most everyday banking transactions such as wire transfers and debit card purchases abroad
  • Member FDIC


  • Monthly fee
  • Steep requirements
  • Low interest
  • Investment management fees
  • Limited branch availability

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Up to $3,000 signup bonus when you join Chase Private Client Checking℠

Expires 24 Jul 2024
Enjoy up to a $3,000 welcome bonus. Open a new Chase Private Client account; earn $1,000 when you deposit $150,000, $2,000 when you deposit $250,000 or $3,000 when you deposit $500,000 in qualifying new money within 45 days of joining and maintain the balance for at least 90 days.

What are the benefits of Chase Private Client Checking℠?

Upgrading to Chase Private Client Checking℠ gives you access to a handful of benefits that make banking easier:

  • Dedicated team. You’re connected with personal advisors and bankers dedicated to helping you manage your banking and financial needs.
  • Credit card access. Access to the exclusive JP Morgan Reserve Credit Card.
  • Minimal fees. You won’t pay for foreign transactions, wire transfers, or small safe deposit boxes.
  • Home and auto loans. Get better rates on home and auto loans along with a dedicated team and reduced closing and origination fees.
  • Investment benefits. A dedicated advisor analyzes your finances and helps you develop an investment strategy. Use its online investing platform, You Invest, to get free stock and ETF trades.
  • Family benefits. Benefits are extended to your family, giving them access to all the Chase Private Client Checking℠ perks.

What should I look out for?

While this program has a lot to offer, there are still a few potential drawbacks to be aware of:

  • Monthly fee. You’ll pay a monthly fee of $35 for this account unless you keep an average daily balance of $150,000 or more in this account, link qualifying deposits and investments or have a linked Chase Platinum Business Checking account.
  • Steep requirements. You’ll only qualify for Chase Private Client Checking℠ if you have at least $150,000 in your Chase investment and bank accounts.
  • You Invest. While this online platform gives you free stock and ETF trades, You Invest is suited for beginner investors. You’ll also still pay for bond and mutual fund purchases.
  • Low interest. With a minimum deposit requirement of $150,000, you could potentially earn a lot more interest if you were to deposit that amount in a different savings account.
  • Investment management fees Chase can help you manage your investments, but you’ll still be on the hook for any fees — which can be high compared to other services.
  • Limited branch availability. Chase Private Client Checking℠ is only available at select branches and the bank doesn’t have branches in IN, KY, LA, MA, ME, MI, MO, NH, OH, OK, RI, VT or WV.

If you’re not at the required minimum, you’re looking for a better rate or you simply want to be sure you’ll have access to a branch location, you may want to compare your savings options to find an account that better suits your situation.

How do I upgrade to Chase Private Client Checking℠?

Request a meeting with a Private Client banker to review your qualifications through the Chase Private Client Checking℠ portal. Keep in mind that Private Client isn’t available at all branches, so you’ll need to locate one that offers it.

How do I qualify for Chase Private Client Checking℠?

To qualify for Chase Private Client Checking℠, you’ll need to have a daily balance of at least $150,000 across eligibile Chase accounts.

How can I get in touch with Chase Private Client Checking℠?

If you’re an existing Chase Private Client Checking℠ member, you can reach customer service at 888-994-5626. If not, visit the Chase Private Client Checking℠ website and fill out the contact form to have them reach out via phone or email.

What Chase accounts work with Private Client?

All Chase personal, business and investment products work with Chase Private Client Checking℠.

Frequently asked questions

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