Would you like to check out a comprehensive review of Chase Secure Banking? Responsible Economy has conducted an in-depth analysis of all its features: fees, interest rate, welcome bonus, requirements, and everything you need to know. We also provide a comparison of the best checking accounts available in the United States in 2023. Welcome aboard!
Video Chase Secure Banking
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Features
Fees
The Chase Secure Banking account comes with a monthly fee of $4.95. It’s important to note that this account is not free.
Cash Withdrawals from ATMs
You can withdraw money from any Chase ATM or branch without incurring any fees. Chase has a wide network of over 16,000 ATMs and 4,600 branches across the United States. However, if you withdraw cash from a non-Chase ATM, there will be a $3 fee per withdrawal.
Online Banking
Chase Secure Banking offers a top-notch online banking experience, providing convenience and easy access to manage your account.
Zelle
The account includes the Zelle feature, allowing you to send and receive money quickly and securely.
Rates
The interest rates offered on this account are very low. If you’re seeking to make your money grow, there are better options available.
Overdraft Assist
With Chase Secure Banking, you can only spend the funds available in your account, which means you won’t incur any overdraft fees.
Early Direct Deposit
By setting up direct deposit, you can receive your funds up to two business days earlier than traditional methods.
Bonus
As a welcome bonus, you’ll receive $100 when opening a Chase Secure Banking account.

Fees
Apologies for the repetition, but it’s worth noting again that Chase Secure Banking does indeed have an annual fee of $4.95 per month. Unfortunately, there are no options available to waive or avoid this fee. It’s essential to consider this fee when evaluating the overall cost and benefits of the account.
Requirements
To open a Chase Secure Banking account, you need to meet the following requirements:
- Be at least 18 years old.
- Reside in the United States and provide proof of residency.
- Have a valid American phone number.
- Possess a social security number.
These requirements are standard for most bank accounts and are necessary to ensure compliance with regulatory and identification procedures.
Pros
We have compiled a list of the advantages provided by the Chase account:
- Extensive Branch and ATM Network: Chase boasts a large number of branches and ATMs throughout the United States, offering convenient access to banking services.
- No Fees on Money Orders or Cashier’s Checks: When utilizing money orders or cashier’s checks with your Chase account, you won’t incur any fees, allowing for smooth and cost-effective transactions.
- No Overdraft Fees: With the Chase account, you’ll only be able to spend the funds available in your account, eliminating the risk of overdraft fees. This feature promotes responsible spending and helps you maintain better control over your finances.
Cons
We present you with a list of the disadvantages associated with the Chase account:
- $4.95 Monthly Commissions: The account carries a monthly fee of $4.95, which can add up over time and impact your overall banking costs.
- $3 Fees for Non-Chase ATM Withdrawals: If you withdraw money from an ATM that is not operated by Chase, you will incur a $3 fee per transaction. This fee can be an inconvenience if you frequently use ATMs outside of the Chase network.
- Very Low Interest Rates: The account offers very low interest rates, which means that the potential for earning significant interest on your deposits is limited. If you are looking to grow your savings through interest earnings, alternative account options might be more suitable.
It’s important to consider these drawbacks alongside the advantages and features of the account to make an informed decision about whether the Chase account aligns with your financial needs and preferences.
Other Chase accounts
We show you more products that Chase offers:
- Checking accounts: here you have all Chase checking accounts:
- Savings: Chase savings account review.
- Certificates of deposit.
- Credit cards: all Chase credit cards.
- If you are a student here is the Chase freedom Student credit card review.
- Chase Freedom Unlimited review.
Best banks in 2023
Here is a list of the best banks to open a checking account in 2023:

- It is very easy to avoid monthly commissions
- Welcome bonus of 200 dollars fulfilling conditions
- More than 16,000 ATMs in the United States
- $25 minimum deposit
- Very low interest rates

- It is very easy to avoid monthly commissions
- More than 16,000 ATMs in the United States
- $100 minimum deposit
- No welcome bonus
- High interest rates if you have a lot of savings

- It is very easy to avoid monthly commissions
- Nearly 12,000 ATMs
- $25 minimum deposit
- Welcome bonus of 300 dollars fulfilling conditions
- High interest rates on CDs

- No fees and no requirements
- Nearly 60,000 ATMs
- Welcome bonus of 250 dollars fulfilling conditions
- High interest rates on CDs

- No fees no direct deposits
- Fee-free withdrawals from ATMs around the world
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs

- No fees no direct deposits
- More than 60,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on Savings

- No fees no direct deposits
- More than 50,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs and Savings

- Commissions of $10 if you do not meet requirements
- No fees at Citibank ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
Video about Chase checking accounts
We have made a video with the main characteristics of Chase checking accounts:
Frequent questions
If you still have any questions about Chase Secure Banking, we will answer them here:
Conclusion
After conducting our analysis, our opinion is that Chase Secure Banking is not a competitive account due to its monthly fees and very low interest rates.
Video with the Best checking accounts in 2023
We have made a video with the best checking accounts in United States:
Learn more about Chase
We have made a table with information of interest about Chase:
Information | Description |
---|---|
Web | https://www.chase.com |
YouTube | https://www.youtube.com/chase |
https://twitter.com/Chase | |
https://www.facebook.com/chase | |
Phone | 1-800-935-9935 |
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Updated the day 1 September, 2023 by Alfredo Barandiarán

Alfredo Barandiarán is not only passionate about finance and the economy, but also has more than 10 years of experience helping people find the best possible financial product. He has worked for 5 years at Iahorro and 2 years at Atrapacrédito. He has currently been running the financial comparator Responsible Economy for 3 years. I graduated in business from Complutense University of Madrid and has studied at ESIC and CEF. You can see all the professional experience of Alfredo Barandiarán on his LinkedIn profile