Are you looking for a detailed review of Chase First Banking Checking? Responsible Economy has thoroughly analyzed its features, covering fees, interest rates, welcome bonuses, requirements, and all the essential details. Furthermore, we offer a comprehensive comparison of the finest student checking accounts in the United States. Welcome aboard!
Features
In this section, we’ll show you all the features that Chase’s First Banking checking account offers:
Fees
Chase First Banking Checking comes with no monthly maintenance fees. This offer is available for kids aged 6 to 12 and students up to 17 years old. It is mandatory to have an adult co-owner on the account, and they must be a customer of a Chase checking 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 First Banking Checking does not offer Zelle service.
Overdraft assist
This checking account does not offer overdraft service.
Early direct deposit
It does not offer overdraft service because it’s a youth-oriented account.
Bonus
It also does not provide any welcome bonus.
Summary table
Here’s a summary table with all the features of Chase First Banking Checking:
| Feature | Details |
|---|---|
| Fees | $0 |
| 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 | No service |
| Chase Overdraft Assist | No service |
| Early Direct Deposit | No service |
| Bonus | $0 |
Requirements
To open a Chase First Banking Checking, you must meet the following requirements:
- Having an adult co-owner is mandatory.
- Reside in the United States and provide proof of your address.
- Have a Social Security number.
- Possess a US phone number.
- Be at least 6 years old.
Pros
We have made a list with all the advantages that the Chase account has:
- Wide availability of offices and branches throughout the United States.
- No fees.
- One of the best online checking accounts in the country.
Cons
Here we show you all the disadvantages:
- Very low interest rates on the checking account.
- No Zelle service.
Differences between Chase checking accounts
We have compiled a table highlighting the differences between the various checking accounts offered by Chase:
| Chase Total Checking | Chase Secure Banking | Chase Premier Plus Checking |
|---|---|---|
| 12$* (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:
Pros and cons
We have created a table outlining all the pros and cons of Chase First Banking:
| Pros | Cons |
|---|---|
| Large number of ATMs | No welcome bonus |
| Large number of branches | No interest rate |
| No Zelle service |
Frequent questions
Frequently asked questions about Chase First Banking:
Learn more about Chase
Here’s a table we put together with some info about Chase that you might find helpful.
| Information | 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:
- Chase Student 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 our analysis, our opinion is that Chase First Banking is not a competitive checking account option because it does not offer any interest on the saved money, lacks Zelle service, and incurs fees for bank transfers. On the positive side, Chase boasts one of the largest networks of ATMs and branches across the United States.
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Updated the day 1 September, 2023 by Alfredo Barandiarán
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