Do you want to know what the differences are between Chase checking accounts? From Responsible Economy we show you which checking accounts you can open with Chase and what are the differences of each one. You will also be able to see a comparison of the best checking accounts that you can open in the United States in 2023. Let’s start!
Difference between Chase checking accounts
With Chase we can open up to 3 different types of checking accounts: Total Checking, Premier Pluschecking and Secured Banking.
The first thing we do is show you a summary table with the 3 checking accounts that Chase offers and the differences between each one:
Chase Total Checking | Chase Secure Banking | Chase Premier Plus Checking |
---|---|---|
$200 welcome bonus | $0 welcome bonus | $0 welcome bonus |
12$* (fulfilling conditions 0$) | 4,95$ | 25$* (fulfilling conditions 0$) |
Easy to avoid commissions | You can’t avoid commissions | Difficult to avoid commissions |
Zelle service | Zelle service | Zelle service |
Overdraft assist | No Overdraft assist | Overdraft assist |
Fees cashier checks | Fees cashier checks | No fees cashier checks |
Fees at non-Chase ATMs | Fees at non-Chase ATMs | 4 free withdrawals |
Fees wire transfers | Fees wire transfers | Free wire transfers |
Chase fees for checks | No service Chase for checks | No Chase fees for checks |
Chase Total Checking
Chase Total Checking is Chase’s most popular account because it offers a $200 welcome bonus, it’s easy to avoid commissions, and it’s serviced by Zelle. On the other hand, it has commissions on withdrawals from non-Chase ATMs and on checks.
To avoid commissions you must meet one of the following requirements:
- Electronic deposits made into this account totaling $500 or more.
- Have more than $1,500 in the checking account.
- Have $5,000 in all Chase accounts.
To get the bonus you have to make a valid direct deposit. Valid direct deposits are payroll, government and social security payments.
Chase Premier Plus checking
Chase Premier Plus checking is a Chase premium account that has no commissions on cashier checks, you can make 4 withdrawals per month at non-Chase ATMs and you can also access higher interest rates (compared to the market they are very low).. On the other hand, it does not have a welcome bonus and it is very difficult to avoid commissions.
To avoid commissions you must meet one of the following requirements:
- Have an average of $15,000 in the sum of all Chase accounts
- Have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account
Chase Secure Banking
Chase Secure Banking is a checking account that has monthly commissions of $4.95 that you cannot avoid, it does not have an overdraft service or paper checks. The only advantage of this account is that you can receive the payroll two business days before.
Summary of differences
As a final summary, we can say that Chase Total Checking is the best Chase checking account because it has a bonus of $200 and it is very easy to avoid commissions. For those with saving or higher incomes, they can consider opening Chase Premier Plus checking because although it does not have a bonus, it offers 4 withdrawals per month at non-Chase ATMs, free wire transfers and No fees cashier checks. Finally, we do not recommend opening Secured Banking because it has a monthly commission of $4.95 and has no bonus.
Comparison with the best checking accounts
To finish, we have made a comparison of the best checking accounts in the United States 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
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To finish, we have made a comparison of the best checking accounts in the United States in 2023:
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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