Account Fees Are the No. 1 Reason People Switch Banks. Here’s How To Avoid Them

$12 ($15, effective August 24, 2025) or $0 with one of the following, each monthly statement period: Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow^SM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network, OR a balance at the beginning of each day of $1,500 or more in this account, OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.

$25 when opening online or over the phone

0.25% with paperless and recurring monthly electronic deposit

80,000+ Alliant network ATMs

0.10% less than $15,000 minimum daily balance; 0.25% over $15,000 minimum daily balance

Up to $10 per statement cycle

$4 per month, with options to waive

Up to 6 free withdrawals or transfers per statement cycle

Overdraft protection when you link your savings account to your checking account

Yes, if have a U.S. Bank checking account

70,000+ Capital One®, MoneyPass and Allpoint® ATMs

$12, with options to waive

$1,500 daily balance to avoid monthly maintenance fee

16,000 Bank of America ATMs

$10 per item (max 2 per day)

Chime Checking 0% APY, required to enroll in Chime High-Yield Savings 2.00% APY

$0, no minimum deposit or balance

No monthly maintenance or overdraft fees. SpotMe service with eligibility for no-fee overdraft up to $200.

Paycheck available up to two days early with direct deposit. Automated savings of 10% of certain direct deposits. Round Ups feature transfers spare change from purchases to savings.

Cash withdrawals from checking up to $515 per day at any ATM or as an over-the-counter bank withdrawal. $2,500 maximum daily spend, including any withdrawals, purchases and incurred fees.

47,000+ in-network no-fee ATMs.

70,000+ Capital One®, MoneyPass and Allpoint® ATMs

Free (but check with your bank to ensure it doesn’t charge an additional fee)

Instant: transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle

No need to download an extra app; Zelle is already included with most mobile banking apps

Yes, to U.S. bank accounts

iOS and Android; must have U.S. bank account linked to an email address or compatible U.S. phone number

The Zelle app uses authentication and monitoring features to make your payments more secure

No charge for sending money from a linked bank account, debit card or your Venmo account; a 3% fee for sending money using a linked credit card

Instant transfer to Venmo balance; 1 to 3 business days for direct deposit (free) or instant transfer to your bank account for 1% fee ($10 max)

Links to popular apps; social features to interact with your friends’ payments (including stickers and emojis); Venmo debit and credit cards

Yes, bank and credit cards

Only available in the U.S. and only compatible with U.S.-based bank accounts and phone numbers; compatible with iOS & Android

Multi-factor authentication when signing in; QR code readers to make sure you link to the correct user account before you send money

0.01% when you maintain a balance of $1,000 or more

100,000 preferred ATMs nationwide

Up to $10 each monthly statement cycle

$29 (Maximum of 1 fee per day, per account)