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  Chase Bank Sapphire Checking Account

Chase Bank Sapphire Checking Account

in Checking Accounts from Chase Bank · Member fdic

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Chase Bank Sapphire Checking Account

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in Checking Accounts from Chase Bank · Member FDIC

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Highlights
Monthly Fee $0 - $25
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $75,000
APY (Annual Percentage Yield) 0.01%

Chase Bank Sapphire Checking Account Review

Chase Bank Sapphire Checking Account is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Bank Sapphire Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $25, but the fee is waived if you keep a minimum balance of $75,000.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Chase Bank Sapphire Checking Account does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Chase Bank.
  • Hard credit pull. Chase Bank may require a hard pull on your credit report to open a checking account.
Chase Bank Sapphire Checking Account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Monthly service charge.
Chase Bank Sapphire Checking Account FAQ

Are checking accounts from Chase Bank federally insured?

Yes, your Chase Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #628). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Chase Bank Sapphire Checking Account offer?

Chase Bank Sapphire Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

Chase Bank Sapphire Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Chase Bank Sapphire Checking Account?

Chase Bank Sapphire Checking Account requires a minimum initial deposit of $100 to open an account.

Chase Bank Sapphire Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $100
Minimum Combined Balance to Avoid Monthly Fee $75,000
Minimum Balance to Avoid Monthly Fee $75,000

What fees does Chase Bank Sapphire Checking Account charge?

This account charges a monthly maintenance fee of up to $25.

Chase Bank Sapphire Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0 - $25
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: Out-of-Network $0

What features and perks does Chase Bank Sapphire Checking Account offer?

This account includes the following features:

  • Automatic savings - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.
  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Chase Bank Sapphire Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Chase Bank Sapphire Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
Chase Bank Sapphire Checking Account Disclosure: No fees on the first four overdrafts within 12 months
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Chase Bank

In a fast-moving and increasingly complex global economy, our success depends on how faithfully we adhere to our core principles: delivering exceptional client service; acting with integrity and responsibility; and supporting the growth of our employees. JPMorgan Chase (NYSE: JPM) is one of the oldest financial institutions in the United States. A talent-driven company is by definition a diverse and inclusive one. Though we aim to do better still, we're proud of the workplace we've created. We will work with fierce resolve to make this a company of which our customers, employees, shareholders and communities can be proud. We cannot promise specific outcomes or risk-free results. From time to time, we may fall short in our efforts and if that happens, we will renew our commitment to these principles and re-double our efforts. What we can and will promise is to be truthful and give honest assessments of our businesses and prospects; act with integrity and honor; and do the right thing—not necessarily the easy or expedient thing.

Own your banking experience Get no fees on everyday banking. Perks, expertise and security—all here, all yours.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $75,000
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee $75,000
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: Out-of-Network $0
Monthly Fee $0 - $25
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Automatic Savings
  • Bauer Financial A+/A Rating
  • Branch Access
  • FDIC Member
APY (Annual Percentage Yield) 0.01%

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