August 16, 2022

Build Boost

Businesss Like Heaven

No Foreign Transaction or ATM Fees

Annual Percentage Yield (APY)

0.01% effective as of 08/13/2021. Interest rates are variable and subject to change

  • Pros & Cons
  • Details

  • Pros
    • No required opening deposit
    • Over 4,700 branches
    • No out-of-network ATM fees worldwide
    • Unlimited out-of-network ATM fee reimbursements
    • No foreign exchange rate adjustment fees
    • No incoming or outgoing wire transfer fees
    • No stop payment fees
    • No overdraft fees on the first 4 overdrafts within the present statement period and last 12 statement periods
    • Waive monthly fees on other Chase accounts when you link them to Chase Sapphire Checking (excluding Chase Private Client Checking and Savings)
    • $25 monthly fee unless you have $75,000
    • $34 overdraft and non-sufficient funds fees
    • The information related to the Chase Sapphire℠ Checking has been collected by Business Insider and has not been reviewed by the issuer
    • The $25 monthly service fee is waived when you keep an average beginning day balance of $75,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances
    • No out-of-network ATM fees or foreign exchange rate adjustment fees
    • Unlimited out-of-network ATM fee reimbursements
    • Earn interest on your checking account balance
    • Access to 16,000 Chase ATMs and over 4,700 branches
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit

    Read Our Review
    Read Our Review A looong arrow, pointing right


    Is Chase trustworthy?

    JPMorgan Chase & Co. is Chase’s parent company. The Better Business Bureau gives JPMorgan Chase & Co. an  A+ in trustworthiness. A good BBB rating signifies a company responds effectively to customer complaints, has honest advertising practices, and is transparent in how it handles business.

    Although its BBB rating is strong, JPMorgan Chase & Co. has dealt with a few scandals in the past few years. Here are some recent conflicts:

    Similar banks, such as Wells Fargo and Bank of America, have their own history of public controversies.

    How Chase Sapphire Checking compares to other banks

    Your choice between Chase, Bank of America, and Wells Fargo may come down to whether you can waive the $25 monthly fee with each. The Bank of America Advantage Relationship Account and Portfolio by Wells Fargo make it easier to waive the fee than Chase Sapphire. But if you do go with Chase, you’ll enjoy additional benefits.

    Chase Sapphire doesn’t charge foreign transaction fees. Bank of America Advantage Relationship still charges foreign transaction fees, and Portfolio by Wells Fargo does if your balance is under $250,000. Chase Sapphire is also more generous about ATM fee reimbursements and outgoing wire transfer charges.

    How Chase Sapphire Checking compares to other Chase accounts

    If you like all the benefits of Chase Sapphire but want access to more perks like a private banker and discounts on loans, you may prefer Chase Private Client Checking. You will need a combined $150,000 in all of your linked bank and investment accounts to waive the $35 monthly fee, though.

    Chase Premier Plus makes it easier to waive the monthly fee than Chase Sapphire — you’ll need a combined $15,000 in all of your accounts, not $75,000. It has some similar perks, like four waived ATM fees each month and waived monthly fees on linked Chase accounts. You’ll still pay for services like foreign transactions and overdrafts, though.

    You might prefer Chase Total or Chase Secure for their sign-up bonuses. Chase Total provides several ways to waive the monthly fee. You’ll pay a $4.95 monthly fee with Chase Secure, but it keeps you from overdrawing your account so you won’t pay fees.