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Chase Sapphire Checking account review

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Enjoy minimal fees, plum benefits and 24/7 priority customer support with this premium checking account.

If you usually have a running balance of at least $75,000 in your combined checking, savings and investment accounts, then the Chase Sapphire Checking account could be a good fit. Formerly known as Chase Premier Platinum Checking, it offers the opportunity to waive its monthly service charge, has minimal fees and comes with a number of plum benefits exclusive to Chase Sapphire customers. If you’re looking for in-person customer support, however, you’ll want to make sure you live in one of the 28 states where it has branches.

$25 per month

Monthly fee




Minimum deposit to open


Monthly fee$25 per month
To waive the feeHave an average beginning day balance of $75,000 or more in any combination of this account and linked qualifying deposits/investments
Minimum deposit to open$0
Intro or bonus offerGet a $750 welcome bonus when you join Sapphire Banking by November 19, 2019. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
ATMsFree to use anywhere worldwide
ATM transaction fee$0
ATM fee rebatesChase will refund all ATM fees worldwide
Out-of-network ATM fee$0
Foreign transaction fee0%
Overdraft fee$34
Nonsufficient funds fee$34

What are the benefits of Chase Sapphire Checking?

  • Earn interest. Unlike many other checking accounts, this account pays interest at a rate of 0.01% APY.
  • Minimal fees. You won’t be charged non-Chase ATM fees, extended overdraft fees, stop payment fees, incoming or outgoing wire transfer fees and more.
  • Sapphire Banking Debit Card. This account comes with a Sapphire Banking Debit Card with chip technology, providing convenience and security. You’ll also enjoy access to higher ATM and purchase limits than you would with Chase’s other checking account debit cards.
  • Convenient deposit methods. This account allows you to deposit money at branches, ATMs, by mail, online or through its mobile app using Chase QuickDeposit.
  • Security. Chase is the largest financial institution in the US and holds the highest long-term financial ratings by all three major ratings agencies. Plus, deposits up to $250,000 are covered by FDIC deposit insurance and you’ll have access to 24/7 priority customer service.
  • Bill pay. You can use online bill pay to make one-time or recurring payments for free if you make it the primary account for online bill payment.
  • Paper payments. You won’t pay fees for counter checks, money orders or cashier’s checks.
  • Perks and freebies. This card comes with priority customer service and a very relaxed fee schedule. It also includes a 3×5-inch safety deposit box at no extra cost.
  • Special access to events. As a Chase Sapphire customer, you’ll get access to hospitality lounges, early ticket sales and special seating for sports and entertainment events.
  • Wide-ranging support. Beyond Chase’s nearly 5,000 branches, you’ll have access to 24/7 customer service. Plus, you can reach Chase by phone, email, mail and on Twitter.
  • Account alerts. Get alerts via text, email and push notifications when there’s a charge, refund or other transaction on your account.
  • Text banking. This feature allows you to check account balances, view credit card bills and more — all from your phone.
  • Mobile payments. Use QuickPay with Zelle through the Chase mobile app to make payments to virtually anyone.

Chase ATM network and fees

This account comes with a Sapphire Banking Debit Card with chip technology. You can make purchases online and in person, and you’ll have access to over 16,000 ATMs — the largest bank-owned ATM network in the country.

Unlike many other Chase accounts, you won’t be charged an ATM fee — even if you use a non-Chase ATM — and you’ll be refunded any fees charged by the ATM owner. You also won’t be charged exchange rate adjustment fees on ATM withdrawals or debit card purchases made outside the US.

What should I look out for?

  • Monthly service fee. The Chase Sapphire Checking account comes with a $25 monthly service fee, which can be waived if you have an average beginning day balance of at least $75,000 in this account and linked qualifying checking, savings and investment accounts.
  • Insufficient funds fees. You’re allowed four fee-free insufficient funds or returned item occurrences every year. After that, you’ll be charged $34 for each debit card purchase that overdraws your account — with a maximum of three per day. This fee doesn’t apply if:
    • Your account balance at the end of the business day is overdrawn by $5 or less.
    • The transaction was for $5 or less, even if your end-of-day balance is overdrawn.
    • You made a withdrawal at an ATM.
  • Limited availability. Although Chase has nearly 5,000 branches, it only operates in 28 states and Washington, DC.

Where does Chase have branches?

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Massachusetts
  • Michigan
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Texas
  • Utah
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin

Compare with other checking accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
BBVA Premium Checking
BBVA Premium Checking
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
1,000 fee-free ATMs across the country
Pay a $0 monthly service charge and get free access to BBVA ATMs.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit.

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How much do I need to open an account?

This account doesn’t require a minimum deposit when you open your account online or at a branch.

How do I apply?

You can open a Chase Sapphire Checking account online or at a local Chase branch. If you choose to open an account in person, make sure to bring your government-issued ID and a second form of identification.

Follow these steps to apply online.

1.Visit the Chase website and click Checking accounts.
2. Click Open now under Chase Sapphire Checking.
3. Fill in your personal information including your name, address and Social Security number, then click Next.
4. Once your application is complete, you’ll need to fund the account.
5. After your initial deposit has been made, you can submit your application.
Chase Sapphire Checking account screenshot


The only eligibility requirement for the Chase Sapphire Checking account is that you make a $0 deposit when you open it. Chase allows non-residents to open accounts, just make sure to bring your passport.

Required information

  • Name
  • Date of birth
  • Address
  • Government-issued ID
  • Social security number — or passport for foreign applicants
  • Income information

What other checking options does Chase offer?

Chase also offers a few other checking accounts:

  • Chase Total Checking. This no-frills checking account comes with a $12 monthly service fee that you can waive by meeting certain requirements, but it doesn’t earn interest.
  • Chase Premier Plus Checking. Open this checking account with just a $25 minimum deposit and enjoy four non-Chase ATM fee waivers each statement period, earn interest on your balance, score free checks and money orders and more.
  • Chase College Checking. Geared toward college students ages 17 to 24, this account’s $6 monthly service fee is waived for up to five years while you’re in school.
  • Chase High School Checking. Parents can open this account with their children ages 13 to 17 to start teaching them healthy spending and saving habits.

Does this bank offer business services?

Yes. Chase has a number of business services available, including:

  • Business checking accounts. Choose from three different checking accounts for your business which all come with unlimited electronic deposits, mobile and online banking, account alerts and more.
  • Merchant services. Whether you’re looking for payment solutions for your brick-and-mortar store or online shop, Chase’s suite of merchant services can help.
  • Business credit cards. Chase offers a number of business credit cards, no matter if you’re looking for cashback rewards, travel perks or a good intro APR period.
  • Business lending. Get everything from equipment financing to term loans to lines of credit through Chase to help your business manage cash flow and invest in new opportunities.

Read about the Chase Total Business Checking account

Bottom line

The Chase Sapphire Checking account is best for travelers who expect to have a high daily balance of at least $75,000 in their account. Its the only Chase checking account that offers free worldwide ATM use. The account is also interest-bearing, but it’s a low 0.01% — this is lower than the average rate for checking accounts.

If you’re not an avid traveler and don’t expect to have a high daily balance, you’ll want to consider Chase’s Premier Plus or Total Checking account. For a higher interest-bearing account, you’ll want to compare other checking accounts at other banks.

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