Chase College Checking account

Are you interested in a thorough review of Chase College Checking? At Responsible Economy, we’ve conducted an in-depth analysis of its features, including fees, interest rates, welcome bonuses, requirements, and everything you need to know. Additionally, we provide a comprehensive comparison of the best student checking accounts available in the United States. Welcome!

Features

In this section, we’ll show you all the features that Chase’s student checking account offers:

Fees

In the event of not meeting the requirements, a monthly fee of $6 (equivalent to $72 per year) applies. However, meeting the requirements is remarkably simple. If you meet any of the following three conditions, you won’t have to pay any fees:

  • Up to five years while in college
  • An electronic deposit made into this account, such as a payment from payroll providers or government benefit providers, by using the ACH network, the Real Time Payment network, or third party services that facilitate payments to your debit card using the Visa or Mastercard network
  • An average ending day balance of $5,000 or more in this account

Minimum deposit

Chase does not provide information about whether a minimum deposit is required to open the account. The most common practice is that banks may require you to deposit a minimum amount of $25.

Cash withdrawals at ATMs

You can withdraw money from Chase ATMs without any fees. However, using non-Chase ATMs incurs a $3 fee for each cash withdrawal.

Zelle

Chase College Checking allows you to conveniently send and receive money using Zelle.

Chase overdraft assist

This checking account does not offer overdraft service.

Early direct deposit

Even if you have your monthly income direct deposited, you won’t be able to receive your paycheck early.

Bonus

Complete 10 qualifying transactions within 60 days of coupon enrollment. Your $100 bonus will appear in your account within 15 days after completing the qualifying transactions. Spend your $100 on whatever you like!

Summary table

Here’s a summary table with all the features of Chase College Checking:

FeatureDetails
FeesMonthly fee of $6 ($72 per year) if requirements aren’t met
Waived if:
– Enrolled in college for up to five years
– Electronic deposit via ACH, Real Time Payment, or third-party services
– Average ending day balance of $5,000 or more
Minimum DepositChase doesn’t provide minimum deposit information (Commonly $25)
Cash Withdrawals at ATMsChase ATMs: No fees
Non-Chase ATMs: $3 per cash withdrawal
ZelleSend and receive money using Zelle
Chase Overdraft AssistOverdraft service not available
Early Direct DepositPaycheck won’t be received early even with direct deposit
BonusGet a $100 bonus by completing 10 qualifying transactions within 60 days of coupon enrollment
Chase College Checking features

Requirements

To open a Chase Collegue Checking, you must meet the following requirements:

  • Reside in the United States and provide proof of your address.
  • Have a Social Security number.
  • Possess a US phone number.
  • Be at least 17 years old.

Pros

We have made a list with all the advantages that the Chase account has:

  • Wide availability of offices and branches throughout the United States.
  • Easy to avoid monthly fees.
  • One of the best online checking accounts in the country.
  • $100 Welcome Bonus.

Cons

Here we show you all the disadvantages:

  • Very low interest rates on the checking account.
  • Monthly fees if requirements are not met.

Differences between Chase checking accounts

We have compiled a table highlighting the differences between the various checking accounts offered by Chase:

Chase Total CheckingChase Secure BankingChase Premier Plus Checking
12$* (fulfilling conditions 0$)4,95$25$* (fulfilling conditions 0$)
Easy to avoid commissionsYou can’t avoid commissionsDifficult to avoid commissions
Zelle serviceZelle serviceZelle service
Overdraft assistNo Overdraft assistOverdraft assist
Fees cashier checksFees cashier checksNo fees cashier checks
Fees at non-Chase ATMsFees at non-Chase ATMs4 free withdrawals
Chase fees for checks
No service Chase for checks
No Chase fees for checks
Differences between Chase checking accounts

Comparison of checking accounts in 2023

We’ve created a table featuring the best student checking accounts available for opening in the United States:

Logo Chase
  • It is very easy to avoid monthly commissions.
  • Welcome bonus of 100 dollars fulfilling conditions.
  • More than 16,000 ATMs in the United States.
  • $25 minimum deposit.
  • Very low interest rates.
Capital ONE MONEY Teen checking
  • It is very easy to avoid monthly commissions.
  • $0 welcome bonus.
  • More than 70,000 ATMs in the United States.
  • $0 minimum deposit.
  • Very low interest rates.
Truist Bank logo
  • $0 fees up to 23 years old.
  • $0 welcome bonus
  • Two withdrawals free
  • $0 minimum deposit
  • Very low interest rates
BMO logo
  • $0 Annual fees
  • $0 welcome bonus
  • ATMs free: BMO and Allpoints
  • $0 minimum deposit
  • Very low interest rates
Logo U.S. Bank
  • Easy to avoid monthly commissions
  • $0 welcome bonus
  • ATMs free: U.S. Bank
  • $0 minimum deposit
  • Very low interest rates
TD Bank logo
  • Easy to avoid monthly commissions
  • $0 welcome bonus
  • ATMs free: TD Bank
  • $0 minimum deposit
  • Very low interest rates
Capital ONE MONEY Teen checking
  • No monthly fees
  • $0 welcome bonus
  • More than 70,000 ATMs in the United States
  • $0 minimum deposit
  • High interest rates.
Logo PNC Bank
  • It is very easy to avoid monthly commissions
  • $0 welcome bonus
  • fulfilling conditions
  • More than 60,000 ATMs in the United States
  • $25 minimum deposit ($0 online)
  • Very low interest rates
Bank of America logo
  • It is very easy to avoid monthly commissions
  • No welcome bonus
  • 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
Wells Fargo logo
  • 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

Video Chase Checking accounts

We have made a video with the main characteristics of Chase checking accounts:

Video with the best banks

Here you have a video with best checking accounts in 2023:

Frequent questions

Frequently asked questions about Chase College Checking:

Learn more about Chase

We show you a table that we have made with information of interest about Chase:

InformaciónDescription
Web pagehttps://www.chase.com/
Facebookhttps://www.facebook.com/chase
Twitterhttps://twitter.com/Chase
Number of telephone1-800-935-9935
Information about Chase

Other Chase products

Here you have a list with products by Chase:

Conclusions

After conducting a thorough analysis, we can confidently state that Chase College Checking is an excellent checking account. It offers easy-to-meet requirements to avoid fees, a widespread branch and ATM network, and a generous $100 welcome bonus. The only drawback is the relatively low interest rates on the checking account.

Related content

Finally, you have articles related to bank accounts:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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