Chase Bank Complete Fee Guide in 2026
Chase fee structure is extensive, covering checking, savings, credit cards, mortgage services, and investment products. Understanding these fees is critical for minimizing banking costs.
Checking Account Fees
Chase Total Checking carries a 12 dollar monthly fee, waived with 1,500 dollar minimum daily balance, 500 dollar or more in electronic deposits, or a linked qualifying Chase investment account. Chase Secure Banking costs 4.95 dollars monthly with no waiver available. Chase Sapphire Banking charges 25 dollars monthly, waived with a 75,000 dollar combined balance. ATM fees are 3 dollars for non-Chase domestic ATMs and 5 dollars for international ATMs plus a 3 percent currency conversion fee. Non-sufficient funds fees are 34 dollars per item for checks and ACH payments. Stop payment fees are 30 dollars.
Savings and CD Rates
Chase Savings charges 5 dollars monthly, waived with 300 dollar minimum balance or linked qualifying checking account. The interest rate on Chase standard savings is 0.01 percent APY, dramatically below the 4 to 5 percent APY offered by high-yield online savings accounts. Chase CDs offer 3 to 4.5 percent APY depending on term, below online bank competitors. Early withdrawal penalties on CDs range from 90 to 180 days of interest. The opportunity cost of maintaining 1,500 to 75,000 dollars in Chase accounts at near-zero interest rates to avoid monthly fees represents a significant hidden expense, potentially costing customers hundreds of dollars annually in lost interest earnings.
Wire Transfer and Payment Fees
Domestic incoming wires cost 15 dollars and outgoing domestic wires cost 25 dollars online or 35 dollars in branch. International incoming wires cost 15 dollars and outgoing international wires cost 40 to 50 dollars. Zelle transfers are free. External ACH transfers are free but take 1 to 3 business days. Money orders cost 5 dollars. Cashier checks cost 8 dollars for non-Sapphire accounts and are free for Sapphire banking clients. These transfer fees are consistent with industry standards for traditional banks but significantly above digital-first alternatives.
Credit Card Fees
Chase Freedom Flex has no annual fee. Chase Sapphire Preferred costs 95 dollars annually. Chase Sapphire Reserve costs 550 dollars annually with a 300 dollar travel credit. Late payment fees are up to 40 dollars. Cash advance fees are 5 dollars or 5 percent, whichever is greater. Balance transfer fees are 3 to 5 percent. Foreign transaction fees are 3 percent on most cards but waived on Sapphire cards. Over-limit fees are not charged but transactions may be declined. The annual fees on premium cards are often justified through benefits and credits, but only when cardholders actively optimize their usage patterns.
Mortgage and Lending Fees
Chase mortgage origination fees range from 0 to 1 percent of the loan amount depending on the product and borrower profile. Appraisal fees are 400 to 800 dollars. Title insurance and recording fees vary by state. Rate lock extension fees apply if closing is delayed beyond the initial lock period. Mortgage refinancing carries similar fee structures to new purchases. Home equity line of credit annual fees of 50 dollars apply after the first year, and early closure fees of 500 dollars apply if the HELOC is closed within three years of opening. These lending fees are largely industry standard but represent significant costs that borrowers must factor into their refinancing and purchase calculations.