No ATM fees worldwide1
No Chase Foreign Exchange Rate Adjustment Fee.
No wire transfer or stop payment fees2
No Chase Fee for incoming and outgoing wire transfers.
No fees on rushed debit card replacement (upon request) or stop payments.
Fewer overdraft fees3
No overdraft fees up to four days a year.
Investing with
J.P. Morgan Wealth Management
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
Perks that add up
There’s so much more to make yours—from premier relationship rates6 on savings accounts to deals from brands you love with Chase Offers and more.
Banking built for you
Chase Mobile® app7
Securely access your
accounts—virtually
anywhere.Zero liability
protectionYou won’t be held
responsible for
unauthorized debit
card transactions when
reported promptly.824/7 support
Dedicated banking
service line:
1-888-26CHASEFraud monitoring
We may notify you of
unusual debit and credit
card purchases.9
Unlock more with a Sapphire Banking account
Sapphire Banking fees4,5
-
$0
Monthly Service Fee with a balance of $75,000* on each statement period.
-
$25
Monthly Service Fee with a balance under $75,000* on each statement period.
*An average beginning day balance of $75,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances.
Other miscellaneous fees apply. See Additional Banking Services and Fees (PDF) for more information. Account subject to approval.
Explore the full Sapphire suite
Sapphire Reserve® credit card
- 3x points on travel and dining worldwide
- Your points are worth 50% more when redeemed for travel through Chase
- $300 annual travel credit
- 3x points on travel and dining worldwide
- Your points are worth 50% more when redeemed for travel through Chase
- $300 annual travel credit
Sapphire Preferred® credit card
- 2x points on travel and 3x points on dining worldwide
- 2x points on travel and 3x points on dining worldwide
- 1 There is no Chase fee at non-Chase ATMs. Chase will refund ATM Surcharge Fees charged by the ATM owner/network. This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these Surcharge Fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund is not processed, please contact us. There is no Foreign Exchange Rate Adjustment Fee when conducting transactions in a foreign currency. If you choose to convert an international transaction to U.S. dollars at either an ATM or on a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from Chase Surcharge Fee reimbursements. The “No Chase Fee” benefit applies based on your account having this benefit when the debit card or ATM transaction is posted on the account.
- 2 For wire transfers, the “No Chase Fee” benefit applies to the Wire Transfer Fees section listed on the Fee Schedule of the Additional Banking Services and Fees, which can be found at chase.com/disclosures, and does not apply to the spread we include in the foreign currency exchange rate. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers, including on returned wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.
- 3 No Overdraft Fees when item(s) are presented against an account with insufficient funds on the first four business days during the current and prior 12 statement periods. On a business day when we returned item(s), this counts toward the four business days when an Overdraft Fee will not be charged.
- 4 There is a $25 Monthly Service Fee for Chase SapphireSM Checking OR $0 when you have an average beginning day balance of $75,000 or more in any combination of this account and linked qualifying deposits/investments. Qualifying personal deposits include Chase First CheckingSM accounts, up to nine other personal Chase checking accounts (excluding Chase Private Client CheckingSM), personal Chase savings accounts (excluding Chase Private Client SavingsSM), CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts. Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to calculate the average beginning day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.
- 5 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).
- 6 Earn Premier relationship rates when you link the account to a Chase Premier Plus CheckingSM or Chase SapphireSM Checking account, and make at least five customer-initiated transactions in a monthly statement period using your linked checking account. See interest rates.
- 7 Chase Mobile® app is available for select mobile devices. Message and data rates may apply.
- 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 Account Alerts: There is 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.
Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.
"Sapphire Banking" is the brand name for a banking and investment offering, requiring a Chase Sapphire Checking account.
Credit card accounts subject to credit approval. Restrictions and limitations apply. Credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change.
- The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
©2025 JPMorgan Chase & Co.
Equal housing lender
-
$0
Monthly service fee with a balance of $75,000* on each statement period.
-
$25
Monthly service fee with a balance under $75,000* on each statement period.
*An average beginning day balance of $75,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances.
Other miscellaneous fees apply. See Additional Banking Services and Fees (PDF) for more information. Account subject to approval.