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Chase Secure Banking℠ account review

A checking account with minimal fees, but it has an unavoidable monthly fee.

Chase Secure Banking has no overdraft services, which can help keep you from overspending and new Chase customers may qualify for a $100 signup bonus. But watch out for the unavoidable $4.95 monthly fee.

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$4.95 per month

Fee

N/A

APY

$0

Minimum deposit to open

Details

APYN/A
Fee$4.95 per month
Minimum deposit to open$0
Intro or bonus offerNew Chase checking customers can earn $100 for opening a new Chase Secure Banking account and completing 10 qualifying transactions within 60 days. Promotion is valid until October 18, 2021.
ATMsAccess to 16,000 ATMs and more than 4,700 branches nationwide
ATM transaction fee$0
Out-of-network ATM fee$2.50
Overdraft fee$0

Review by


Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.

Expert review

Chase Secure Banking has minimal fees and a strong network of ATMs, so you can access your money from almost anywhere. You also don’t need to worry about getting hit with an overdraft fee as transactions won’t go through if your balance can’t cover the amount.

Though there are some instances where your transaction might go through. For instance, if you leave a tip at a restaurant and you don’t have enough to cover the tip. The transaction may go through and you may get a negative balance. But in cases like this, Chase still won’t hit you with an overdraft fee.

Although Chase Secure Banking comes with a lot of benefits, it has an unavoidable $4.95 monthly fee. If you don’t think the features outweigh the fee, consider looking at free checking account options like Ally Bank Interest Checking, which offers up to 0.15% APY.

Deal

Get $100 for new Chase Secure Banking customers

Expires 18 Oct 2021
To get the $100, you'll need to open a new Chase Secure Banking account and complete 10 qualifying transactions within 60 days of coupon enrollment. Offer expires 10/18/2021.

How do I open a Chase Secure Banking account?

Follow these steps to sign up for a Chase Secure Banking account:

  1. Click Apply now.
  2. Select Checking and savings.
  3. Choose Compare checking accounts.
  4. Select Open now under Chase Secure Banking.
  5. Answer the question about whether you’re a current Chase customer. Choose Next.
  6. Input your details, including your name and Social Security number. Hit Next.
  7. Follow the prompts to fund and open your account.

Eligibility

To qualify for a new Chase checking account, you’ll need to meet these requirements.

  • At least 18 years old
  • A US citizen or permanent resident

Required information

You should have the following information handy when opening your Chase Secure Banking account:

  • Social Security number
  • Driver’s license or state ID

What are the benefits of Chase’s Secure Banking checking account?

Check out a few interesting features of a Chase Secure Banking account:

  • No minimum deposit. No funding required to open an account.
  • No overdraft fee. Even if you have a negative balance, Chase won’t charge you an overdraft fee. But if you don’t have enough money to cover a transaction, it won’t go through.
  • No fees for money orders and cashier’s checks. Unlike most banks that charge for each money order and cashier’s check, Chase offers them for free to Secure Banking customers.
  • Chase Credit Journey. This account comes with an identity theft protection service that lets you check your credit score for free and get alerts to help prevent identity fraud.
  • Chase Offers. Get a statement credit when you activate an offer from a participating merchant and use your linked debit card to pay.
  • Sign up bonus. New Chase checking customers can earn $100 for opening a new Chase Secure Banking account and completing 10 qualifying transactions within 60 days. To qualify for this offer, you must request a coupon code by email and apply it when you open the account. Promotion is valid until October 18, 2021.

What should I look out for?

This account isn’t a complete bed of roses.

  • Monthly fee. This account has an unavoidable monthly service fee of $4.95.
  • No checks. While you can conveniently cash checks using mobile deposits, you can’t write checks from this account.
  • No wire transfers. Chase restricts all incoming or outgoing wire transfers.

Chase’s ATM network and fees

Make deposits and withdrawals for free at any of Chase’s 16,000 network ATMs. But if you venture outside of the Chase network, you’ll see the following fees:

  • Non-Chase ATM in the US, Puerto Rico and US Virgin Islands: $2.50
  • International ATMs: $5
  • Withdrawal from a non-Chase bank teller: 3% of the transaction amount or $5, whichever is greater

Compare Chase Secure Banking with other checking accounts

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 3.8 / 5: ★★★★★
Aspiration Spend & Save Account
Up to 1.00%
$10
55,000 free in-network ATMs
$0
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Chime Spending account
Finder Rating: 4.7 / 5: ★★★★★
Chime Spending account
N/A
$0
60,000+ fee-free ATMs
$2.50
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Current
Finder Rating: 3.8 / 5: ★★★★★
Current
N/A
$0
over 55,000 free in-network ATMs
$0
Current connects your money to friends, family, brands, and experiences that matter.
Chase Total Checking®
Finder Rating: 3 / 5: ★★★★★
Chase Total Checking®
N/A
$0
Access to 16,000 ATMs and more than 4,700 branches nationwide
$2.50
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $225 signup bonus to new Chase customers
OnJuno
Finder Rating: 4.8 / 5: ★★★★★
OnJuno
Up to 1.20%
$0
more than 85,000 ATMs nationwide
$0
OnJuno embraces an open banking system for everyone, regardless of their age, location, or income.
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How do I deposit or withdraw my money?

Although you can’t write paper checks or accept or send wire transfers, Chase provides several other ways to access your cash:

Deposits

  • ATM deposits
  • Zelle payments
  • Remote check deposits with Chase Online and the Chase mobile app
  • ACH transfers
  • Direct deposits

Withdrawals

  • ATM withdrawals
  • Chase Online Bill Pay
  • Zelle payments
  • ACH transfer

What other checking options does Chase offer?

Chase isn’t shy when it comes to checking accounts. If Secure Banking isn’t the right fit, consider the following alternatives:
  • Chase Total Checking®. A checking account with overdraft services and a $12 monthly fee.
  • Chase Premier Plus Checking. Unlock multiple fee waivers, including out-of-network ATM fees, money orders and cashier’s checks fees and fees for Chase-designed checks. While you earn 0.01% interest on your balance, this account will run you $25 per month.
  • Chase First Banking. A parent-owned checking account for kids ages six to 17 with no monthly service fee.
  • Chase High School Checking. A checking account designed for students 13 to 17 years old but requires a cosigner and a linked parent or guardian Chase personal checking account.
  • Chase College Checking. An account for college students ages 17 to 24 with a $6 monthly fee.
  • Chase Sapphire Banking. A premium checking account with no ATM fees worldwide, 0.01% APY and a $25 monthly fee.
  • Chase Private Client Checking. A personalized account with all the perks of Sapphire Banking but additional benefits, including a dedicated banker and banking advisor. Comes with a 0.02% APY and a monthly service fee of $35.

How do I contact Chase customer service?

Get help with your banking needs by:

  1. Calling 800-935-9935.
  2. Tweeting @ChaseSupport or sending a message to its Facebook account @chase./b>
  3. Speaking to a local banker at any of its 4,700 nationwide branches.

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