Chase · U.S. checking accounts

Chase Secure Checking

Checking with no overdraft fees, personal check writing or outgoing wires. The $4.95 monthly fee can be waived with qualifying deposits, age or a linked account. Current Chase disclosures call it Chase Secure Checking.

Pros

No Chase overdraft fees.
An owner age 17–24 can qualify for a monthly fee waiver; student status is not required for this age route.
Eligible direct deposits may arrive up to two business days early, depending on the payer.
Branch and mobile banking access.

Cons

$4.95 monthly unless a waiver condition is met.
Personal check writing and outgoing wires are unavailable.
Incoming wires generally cost $15.
Non-Chase ATM withdrawals and foreign-currency transactions can incur fees.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	4.95 USD
Minimum opening deposit	0 USD
SSN requirement	Conditional
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Each statement period: $250 or more in qualifying electronic deposits, an owner age 17–24, or a qualifying linked checking account with a common owner. Zelle, cash, checks, wires and interest do not count as qualifying electronic deposits.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Applicants age 17 must open at a branch; accounts are subject to approval and identity verification. Chase accepts primary and secondary identification for non-U.S. citizens, including passports and eligible student immigration documents. Non-permanent residents generally need a U.S. address on a primary or secondary ID. Confirm the tax-ID, age and document requirements for this specific account with a banker; an ITIN-only application route is not confirmed here.

Geographic restrictions: No product-specific state exclusion list was identified in the current official disclosures. Verify opening availability and local branch access for the applicant’s address; this does not establish universal online-opening or territory eligibility.

Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	Not confirmed
Incoming wire	15 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Outgoing domestic and international wires are unavailable for this account. Incoming wires generally cost $15; review the current Chase fee schedule for exceptions.
Allpoint ATM	Not confirmed
Other ATMs	No Chase fee at Chase ATMs. Non-Chase ATM withdrawals cost $3 in the U.S./U.S. territories or $5 outside them, plus ATM owner/network surcharges. A 3% foreign-exchange adjustment applies to transactions in currencies other than USD. No separate Allpoint benefit is stated. Non-ATM cash withdrawals through another financial institution cost 3% of the transaction or $5, whichever is greater.
Cash deposit	Cash and checks may be deposited at Chase branches and eligible Chase ATMs. No separate personal-account cash-deposit fee was identified in the cited fee schedule. Deposit holds, processing cutoffs and location capabilities apply.