Free checking account with no overdraft fees

Spend wisely with

Chase Secure BankingSM A simple checking account with no overdraft fees

Spend wisely with Chase Secure BankingSM

Free checking account with no overdraft fees

Manage your money, deposit checks and pay bills or people
from virtually anywhere, all with the Chase Mobile app®.3

Get MORE for your money

Secure Banking customers told us they save an average of
$50 a month on fees after opening their account.4

Free checking account with no overdraft fees
Free checking account with no overdraft fees

  • Check mark iconNo overdraft fees,5 spend only what you have
  • Check mark iconNo fees on money orders or cashier’s checks
  • Check mark iconNo fees when you cash checks, send money using Zelle6 or use a Chase ATM7
  • Check mark iconNo fees to pay bills with Chase OnlineSM Bill Pay8

No minimum deposit to get started. $4.95 monthly service fee.1

Designed for your peace of mind

Zero Liability Protection

Get reimbursed for unauthorized debit card transactions when reported promptly with Zero Liability Protection.9

Early Direct Deposit

Get that "just paid" feeling up to two business days sooner with early direct deposit.1

Credit and Identity
Monitoring

Start building your credit health and enjoy identity theft protection at no cost to you with Chase Credit Journey.

Budgeting Tools

Manage your spending with Budget10 and get daily spending insights with Snapshot in the Chase Mobile app.

24/7 Account access
and Alerts

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

Card Lock

Securely lock and unlock your debit card if you misplace it.

Get started with Chase Secure BankingSM

Free checking account with no overdraft fees
Free checking account with no overdraft fees

Chase Secure BankingSM

No overdraft fees — you spend only what you have.

Chase Total Checking®

An easy-to-use account that covers all the essentials.

Learn more

Monthly service fee

Monthly service fee for Chase Secure Banking(Service mark)

$4.95

Monthly service fee for Chase Total Checking(Registered trademark)

$12 or $0
Waive fees

Early direct deposit - with direct deposit, get your money up to two business days early1

Early direct deposit - with direct deposit, get your money up to two business days early1

Early direct deposit - with direct deposit, get your money up to two business days early reference footnote 1 for Chase Secure Banking(Service mark)

Available

Early direct deposit - with direct deposit, get your money up to two business days early reference footnote 1 for Chase Total Checking(Registered trademark)

Not Available

Help staying within your account balance

Help staying within your account balance

Help staying within your account balance for Chase Secure Banking(Service mark)

Available

Help staying within your account balance for Chase Total Checking(Registered trademark)

Not Available

Paper checks

Paper checks

Paper checks for Chase Secure Banking(Service mark)

Not Available

Paper checks for Chase Total Checking(Registered trademark)

Available

Overdraft services

Overdraft services for Chase Secure Banking(Service mark)

Spend only the money you have available, without worrying about overdraft fees.

Overdraft services for Chase Total Checking(Registered trademark)

Available

No fees for money orders and cashier’s checks

No fees for money orders and cashier’s checks

No fees for money orders and cashier’s checks for Chase Secure Banking(Service mark)

Available

No fees for money orders and cashier’s checks for Chase Total Checking(Registered trademark)

Not Available

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 16,000 ATMs

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 16,000 ATMs

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 16,000 ATMs for Chase Secure Banking(Service mark)

Available

Bank on your terms — online, on the go with the mobile app, or in person at more than 4,700 branches and 16,000 ATMs for Chase Total Checking(Registered trademark)

Available

Chase Secure BankingSM

Other miscellaneous fees apply. See account details.

What bank can I overdraft immediately?

NerdWallet's Best Banks for Overdrafts.
SoFi Checking and Savings..
Alliant Credit Union High-Rate Checking..
Axos Bank® Rewards Checking..
Ally Bank Interest Checking Account..
One Spend..
Navy Federal Credit Union Free EveryDay Checking..
Capital One 360 Checking..

What banks have totally free checking accounts?

Here's a look at a few banks that offer free checking accounts..
Ally: Interest Checking Account. ... .
Capital One: 360 Checking Account. ... .
Discover Bank: Cashback Debit account. ... .
Heritage Bank: eCentive Account. ... .
NBKC: Everything Account..

How much will Truist let you overdraft?

No overdraft fees. Up to $100 negative balance buffer for qualifying clients so transactions go through at no extra charge. 10% to 50% more rewards on select Truist credit cards.

What to do if you overdraft and have no money?

Talk to Your Bank Representative In many cases, your bank may waive your first overdraft fee and potentially reduce any other incurred fees—even though they are not obligated to do so. If you cannot repay your fees upfront, you may be able to work out a payment plan with your bank.