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:
| Feature | Details |
|---|---|
| Fees | Monthly 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 Deposit | Chase doesn’t provide minimum deposit information (Commonly $25) |
| Cash Withdrawals at ATMs | Chase ATMs: No fees |
| Non-Chase ATMs: $3 per cash withdrawal | |
| Zelle | Send and receive money using Zelle |
| Chase Overdraft Assist | Overdraft service not available |
| Early Direct Deposit | Paycheck won’t be received early even with direct deposit |
| Bonus | Get a $100 bonus by completing 10 qualifying transactions within 60 days of coupon enrollment |
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.
- $100 Welcome Bonus.
Cons
Here we show you all the disadvantages:
- Very low interest rates on the checking account.
- Monthly fees if requirements are not met.
Differences between Chase checking accounts
We have compiled a table highlighting the differences between the various checking accounts offered by Chase:
| Chase Total Checking | Chase Secure Banking | Chase Premier Plus Checking |
|---|---|---|
| 12$* (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 |
| Chase fees for checks | No service Chase for checks | No Chase fees for checks |
Comparison of checking accounts in 2023
We’ve created a table featuring the best student checking accounts available for opening in the United States:
- 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.
- 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.
- $0 fees up to 23 years old.
- $0 welcome bonus
- Two withdrawals free
- $0 minimum deposit
- Very low interest rates
- $0 Annual fees
- $0 welcome bonus
- ATMs free: BMO and Allpoints
- $0 minimum deposit
- Very low interest rates
- Easy to avoid monthly commissions
- $0 welcome bonus
- ATMs free: U.S. Bank
- $0 minimum deposit
- Very low interest rates
- Easy to avoid monthly commissions
- $0 welcome bonus
- ATMs free: TD Bank
- $0 minimum deposit
- Very low interest rates
- No monthly fees
- $0 welcome bonus
- More than 70,000 ATMs in the United States
- $0 minimum deposit
- High interest rates.
- 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
- 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
- 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:
| Información | Description |
|---|---|
| Web page | https://www.chase.com/ |
| https://www.facebook.com/chase | |
| https://twitter.com/Chase | |
| Number of telephone | 1-800-935-9935 |
Other Chase products
Here you have a list with products by Chase:
- Checking accounts: here you have all Chase checking accounts:
- Savings: Chase savings account review.
- Credit cards: all Chase credit cards.
- If you are a student here is the Chase freedom Student credit card review.
- Chase Freedom Unlimited review.
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.
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Updated the day 1 September, 2023 by Alfredo Barandiarán
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