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We’ve enhanced our platform for chase.com. For a better experience, download the Chase app for your iPhone or Android. Or, go to System Requirements from your laptop or desktop.

Chase Sapphire® Checking

Understanding checking and savings account fees

Chase Sapphire® Checking account fees

Open for details, including ways to avoid certain fees.

Account fees

$0 when you have an average beginning day balance of $75,000 or more in any combination of this account and linked qualifying deposits/investments

OR

$25 if none of these options are met

Overdrafts happen when you make a purchase or payment, or write a check, and there isn't enough money in your checking account to cover it.

If paid: $34 Overdraft Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

With Sapphire Banking, there are no overdraft fees up to four days a year.

Chase Overdraft Assist helps you with:

  • Confidence: $0 overdraft fees if you're overdrawn by $50 or less at the end of the business day
  • Time: $0 overdraft fees if you're overdrawn by more than $50 at the end of the business day and you bring your account balance to overdrawn by $50 or less at the end of the next business day

We also don't charge an overdraft fee for certain things, like if a transaction is declined or returned unpaid, or for transactions that are $5 or less.

Helpful tip: Use Zelle® in the Chase Mobile® app to send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.

 

No Chase fee for ATM use worldwide, including:

  • Non-Chase ATM transactions
  • Refund of ATM Surcharge Fees charged to you at non-Chase ATMs
  • Foreign Exchange Rate Adjustment

Wires, Money Orders and other Fees

As a Chase Sapphire® Checking customer you enjoy no Chase fees on the following:

  • Wire Transfer Fees
  • Money Order
  • Cashier's Check
  • Counter Check
  • Stop Payment
  • Debit card replacement
  • Debit Card Foreign Exchange Rate Adjustment

Looking for more details about fees?

See the Deposit Account Agreement and Additional Banking Services and Fees (PDF).

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