Chase Sapphire Checking Account Review
Chase Sapphire Checking isn't available on Finder right now.
- Fee
- $25 per month
- APY
- 0.01%
- Minimum deposit to open
- $0
Our verdict
Enjoy a checking account with minimal fees, 24/7 priority customer support, various perks and freebies.
The Chase Sapphire Checking offers fee-free wire transfers, stop payments, foreign exchanges and access to over 15,000 ATMs. There are also no overdraft fees for up to four instances a year, and out-of-network ATM fees are reimbursed globally. However, to avoid the $25 monthly fee, you must have a $75,000 combined balance with other Chase accounts and investments.
Best for: High balance customers who want premium perks and global ATM reimbursements.
Pros
-
No ATM fees worldwide
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24/7 dedicated banking service line
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Large Chase branch network
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Few fees
Cons
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$75,000 in combined balance to waive $25 maintenance fee
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Low 0.01% APY
What we like about the Chase Sapphire checking
The Chase Sapphire Checking account is one of Chase’s more premium checking accounts, and therefore offers a range of valuable features and benefits. In addition to standard services such as FDIC-insured deposits, Zelle integration, free bill pay and a debit card, this account provides several notable advantages.
Premium perks
Account holders earn interest on their balance, though the rate is a modest 0.01% APY.
Chase Sapphire also includes priority customer support, a complimentary 3×5-inch safety deposit box and exclusive access to hospitality lounges, early ticket sales and premium seating at select sports and entertainment events.
Few fees and no opening deposit
There’s no minimum deposit required to open the account, whether you do so online or at a branch.
Fees are kept to a minimum (not counting the maintenance fee, depending on your balance). Making stop payments, sending or receiving wire transfers, or obtaining money orders, cashier’s checks or counter checks are free.
An added bonus for those who travel internationally: you won’t be charged exchange rate adjustment fees on ATM withdrawals or debit card purchases abroad.
Enjoy a large in-branch and ATM Network
One standout feature is the access to higher ATM withdrawal and purchase limits compared to other Chase checking accounts. Since Chase is the largest bank in the country, they provide extensive customer service support through nearly 5,000 branches nationwide (available in all 48 continuous states), as well as 24/7 access by phone, email, mail and social media platforms.
You will have access to over 16,000 ATMs nationwide — the largest bank-owned ATM network in the nation. You also won’t be charged an ATM fee with the Sapphire checking, and customers aren’t charged for using non-Chase ATMs.
Where it falls short
While the Chase Sapphire Checking account offers several appealing benefits, there are a few potential downsides.
High monthly fee
Chase Sapphire Checking has a high $25 monthly service fee. This fee can be waived if you maintain an average beginning day balance of at least $75,000 across this account and any linked qualifying Chase checking, savings or investment accounts. This fee means the account is best for those with existing accounts and balances with Chase.
Overdraft fees
Chase waives fees for up to four instances of insufficient funds or returned items per year. After that, you’ll be charged $34 for each debit card transaction that overdraws your account, with a limit of three such charges per day.
That said, there are exceptions: you won’t incur a fee if your account is overdrawn by $5 or less at the end of the business day, if the transaction itself was for $5 or less, or if the overdraft occurred through an ATM withdrawal.
Chase Sapphire Checking fees and access
| Type of fee | Fee details |
|---|---|
Monthly service | $25 (waived with average beginning daily balance of $75,000 or more in any combo of Chase accounts) |
Opening deposit | $0 |
ATMs |
|
Debit card fees |
|
Overdraft or nonsufficient funds | $0 on the first four business days in a 12-month period; $34 per instance after that |
Wire transfers |
|
Other fees |
|
Compare Chase Sapphire Checking to other top checking accounts
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How we picked theseWhat is the Finder Score?
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Customer reviews and ratings.
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.13 out of 5 stars, based on 852 customer reviews |
| Trustpilot score | 1.3 out of 5 stars, based on 2,205 customer reviews |
| App Store Score | 4.8 out of 5 stars, based on 7,600,000 customer reviews |
| Google Play Score | 4.4 out of 5 stars, based on 1,800,000 customer reviews |
| Customer reviews verified as of | 16 June 2025 |
Naturally, Chase Bank, being the largest of the “Big Four” banks, has many reviews on the Better Business Bureau (BBB), mostly negative. It is not uncommon for banks to have mostly negative reviews on sites like the BBB.
Customer complaints range widely. Many complain about receiving unsolicited and unwanted sales and marketing calls, poor handling of fraud claims, customer service issues and dissatisfaction with overall banking services and fees. Complaints range across all of Chase’s products, including checking, savings, credit cards and loans. However, the BBB grades Chase an A+ for their timely response and addressing customer concerns.
On Trustpilot, the reviews and results are similar to the BBB, with an abysmal rating out of over 2,000 customer reviews. Customer complaints vary from issues with deposit accounts, credit cards and lending products.
Frequently asked questions
Does my Chase Sapphire Checking account have Zelle limits?
Yes, Chase has Zelle limits. You can send anywhere between $500 and $10,000 for each transaction, as determined by Chase. Chase also adjusts limits by sender and recipient.
Where can I find the routing number for my Chase Sapphire Checking account?
You can find this information online or on one of your personal checks.
- Online. Log in to your online account and click on the last four digits of your account number.
- Check. This information can be found on the bottom left of your personal checks.
Can I make mobile payments with the Chase Sapphire Checking account?
Yes. You can use the mobile app to make mobile payments through QuickPay with Zelle or a third-party mobile payment service.
Your reviews
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