In search for a new bank account to store, save or spend your hard-earned money? Be warned! Behind those bright billboards of smiling grandmas in newly outfitted veneers lie a labyrinth of hidden fees. Large banks want you to believe that their accounts are free and easy to use. Dig deeper and you’ll find more than fifteen different charges waiting to entrap you - from monthly maintenance fees to overdraft and wire transfer fees.

But fret not champ! We’re here to help. Read on to understand all the fees associated with the Chase account.

Chase Checking Accounts

Chase offers four types of checking accounts,

• Chase Secure Checking
• Chase Total Checking
• Chase Premier Plus Checking
• Chase Sapphire Checking

Chase Savings Accounts

Chase offers two types of savings accounts,

• Chase Savings
• Chase Premier Savings

Chase Wire Transfer Fees

• Incoming domestic wire transfer → $15
• Incoming international wire transfer → $15
• Outgoing domestic wire transfer → $35 (in-branch), $25 (online)
• Outgoing international wire transfer → $50 (in-branch), $40 (online)

Chase Additional Fees & Charges

• Overdraft Fee - $34 per overdraft across all accounts except Chase Secure Checking.
• Insufficient Funds Fee - Unlike overdraft, the NSF fee is charged when a payment is returned due to insufficient balance. Standard fee of $34 per returned item across all accounts except Chase Secure Checking.
• ATM Withdrawal Fee - $2.50 for out-of-network withdrawals and $5 for international withdrawals.
• International Transaction Fee - 3% on all foreign transactions.
• Cashiers Check Fee - $8 per check.
• Money Order Fee - $5 per money order.

Our Verdict

While Chase offers extensive branch and ATM coverage with its national presence, near-zero interest rates and a bevy of hidden charges make their checking and savings accounts an expensive proposition for most consumers.

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