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Enjoy a checking account bonus of $125

as a new Chase checking customer, when you open a Chase Secure BankingSM account1 with qualifying transactions.
Offer expires 07/15/2026.
Your checking account bonus will appear in your account within 15 days after completing the qualifying transactions.
 

How to avoid the Monthly Service Fee1

Chase Secure Banking

$4.95 OR $0 Monthly Service Fee

No Monthly Service Fee when you have any ONE of the following during each monthly statement period:

  • $250+ in qualifying electronic deposits

  • OR an account owner who is age 17-24

Secure Banking customers told us they save an average of over $40 per month on fees after opening their account.5

Enjoy these account benefits you can trust with Chase
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No overdraft fees

No overdraft fees with Chase Secure Banking — spend only what you have to stay within your balance.6

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Early direct deposit

Set up direct deposit and you may get your money up to two business days early.7 

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No minimum deposit to open

Open your Chase Secure Banking account with or without a deposit.

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Zero Liability

Unauthorized debit card purchases are reimbursed when reported promptly.8

Open an account
Manage your money with confidence
and the security of Chase

Build your credit

With Chase Credit Journey®, help build and improve your credit with a personalized improvement plan provided by Experian.9

Budgeting tools

Manage your spending with Spending Planner10 and get daily spending insights with Snapshot in the Chase Mobile® app.

Account access
and alerts

Check your balance, pay bills, deposit checks with the Chase Mobile® app. Plus, set up alerts to monitor your balance, deposits and more.11

Si tiene alguna pregunta, por favor, llame o visite una sucursal local de Chase.

IMPORTANT INFORMATION

  • 1 Service Fee: Chase Secure CheckingSM: $0 Monthly Service Fee when you have ONE of the following during each statement period: Option #1: $250+ in qualifying electronic deposits; OR, Option #2: an account owner who is age 17-24. Qualifying electronic deposits include payments from your employer or government entities (benefits, tax refunds, etc.), made using the ACH network, Real Time Payment (RTP®), FedNow® Service, or third-party services that facilitate payments to your debit card using the Visa® or Mastercard® network. Transactions such as Zelle®, cash, checks, wire transfers, and interest payments do not count as qualifying electronic deposits. Otherwise a $4.95 Monthly Service Fee will apply.

    New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

    Product terms subject to change. For more information, please see a banker or visit chase.com/checking.

    Bonus/Account Information: Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Secure BankingSM account, which is subject to approval; AND 2) Complete at least 10 qualifying transactions within 60 days of coupon enrollment. Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits. After you have completed all the above requirements and the 10 qualifying transactions have posted to your account, we'll deposit the bonus into your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
  • 2 Enrollment in Zelle® at a participating financial institution using an eligible U.S. checking or savings account is required to use the service. Chase customers may not enroll using savings accounts; an eligible Chase consumer or business checking account is required, and may have its own account fees. Consult your account agreement. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.
    Zelle® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle® nor Chase provide protection if you make a purchase of goods using Zelle® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle® payments, see your account agreement. Neither Chase nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time.
    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
  • 3 Chase QuickDepositSM is subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile® app for eligible mobile devices, limitations, terms, conditions and details. Chase Mobile app is available for select mobile devices. Enroll on the Chase Mobile app. Message and data rates may apply.
  • 4 Chase Online Bill Pay: Must enroll in Chase OnlineSM Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.
  • 5 Savings represents the average monthly reported savings on fees for money orders, check cashing, U.S. remittances, prepaid debit cards, and bill paying services by 1815 Chase Secure Banking customers who responded to a Chase survey fielded in May and June 2025. The responses represent 0.067% of the total population of Chase Secure Banking customers. Your savings may vary.
  • 6 We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.
  • 7 For Chase Secure CheckingSM only: Early direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions.
  • 8 Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.
  • 9 Chase Credit Journey: This score improvement resource does not guarantee you will reach your credit score goal even if you complete the recommended actions, as there are other factors that may impact your VantageScore. This resource should be used for educational purposes only. There are various types of credit scores that lenders can access to make a lending decision. The credit score you receive is based on the VantageScore® 3.0 model and may not be the credit score model used by your lender or by Chase. You should carefully consider your needs and objectives before making any decisions, and consult the appropriate professional(s).
  • 10 Spending Planner isn't an official record of your transaction history and shouldn't be used for tracking rewards, bonuses or other account benefits. Please review your periodic statement and/or Rewards Program Agreement for details.
  • 11 Account Alerts: There's no charge from Chase, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions.
  • Chase Mobile® app is available for select mobile devices. Message and data rates may apply.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • ©2026 JPMorgan Chase & Co.
  • LC-SECUREQ226LP
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Chase Secure Banking

Qualifying Transactions

Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDepositSM, or online bill payments.
Debit card purchases
Zelle®
ACH credits
Chase QuickDepositSM
Online bill payments
x

Chase Secure Banking

Qualifying Transactions

Qualifying transactions include debit card purchases, online bill payments, money orders or cashier's checks paid, Chase QuickDepositSM, Zelle®, or direct deposits.
Debit card
purchases
Online bill payments
Money orders or
cashier's checks paid
Chase QuickDepositSM
Zelle®
Direct deposits
x
To open your account online, you'll need:
Your Social Security Number
Driver's license or state-issued ID
Contact information
No Social Security Number?
To open your account, you'll need to visit a branch and bring:
Current passport, proof of U.S. address and secondary identification
(i.e. driver's license, state-issued ID, or Form I-20).
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