Is Chase Private Client Checking℠ Account the right fit for you?
Last Updated: 03/19/2026
Chase Private Client Checking℠ Account
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in Checking Accounts from Chase Bank
Last Updated: 03/19/2026
SuperMoney User Recommendation Score +80
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
Up to $3,000(Verified 03/17/2026)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%(Verified 03/17/2026)
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Monthly Service Fee
$0 - $35(Verified 03/17/2026)
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Number of Reviews
Chase Private Client Checking℠ Account Review
The Chase Private Client Checking℠ Account is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Private Client checking is available in 50 states and Washington, DC.
Key Takeaways
- J.P. Morgan Private Client Advisor Enhance your relationship with J.P. Morgan Wealth Management and partner 1:1 with a dedicated J.P. Morgan Private Client Advisor who can create a personalized financial strategy and custom investment portfolio. Get a holistic view of your banking and investing, and make seamless transfers between accounts with the Chase Mobile® app.
- Enjoy up to $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities. Within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts (excludes Chase Personal and Business CDs, Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, and J.P. Morgan Wealth Management retirement accounts). Your bonus will be determined on day 45. Maintain your new money for 90 days from coupon enrollment and enjoy your bonus. We'll add it to your account within 40 days.
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
- Charges a monthly fee. This account charges a monthly fee of up to $35.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Chase Private Client Checking℠ Account does not charge fees on ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Chase Bank mobile or online banking.
Chase Private Client checking Pros & Cons
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Chase Private Client checking FAQ
Are checking accounts from Chase Bank federally insured?
Yes, your deposits are insured 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 Private Client checking offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.01% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Chase Private Client checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).
The Annual Percentage Yield (APY), for Chase Private Client CheckingSM effective as of 06/20/2025 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.What are the account minimums for Chase Private Client checking?
Chase Private Client checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $150,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Chase Private Client checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $35. There is a $35 Monthly Service Fee for Chase Private Client Checking OR $0 when you have at least one of the following each statement period: an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying (a) deposits / (b) investments OR, a linked Chase Platinum Business Checking? account. (a) Qualifying personal deposits include up to nine Chase Private Client Checking accounts, Chase High School Checking? accounts, Chase First Checking? accounts, personal Chase savings accounts (excluding Chase Premier Savings?), CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market accounts. (b) Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to calculate the average beginning day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $35 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Private Client checking charge overdraft fees?
No, Chase Private Client checking does not charge overdraft fees.What features and perks does Chase Private Client checking offer?
This account includes the following features:
- Enjoy up to $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities. Within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts (excludes Chase Personal and Business CDs, Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, and J.P. Morgan Wealth Management retirement accounts). Your bonus will be determined on day 45. Maintain your new money for 90 days from coupon enrollment and enjoy your bonus. We'll add it to your account within 40 days.
- ATM rebates - This account will reimburse you for domestic ATM fees .
- 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 Private Client checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Chase Private Client checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Chase Private Client checking?
The customer support email for Chase Private Client checking is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Private Client checking?
Overall, Chase Private Client checking is strongly recommended based on community reviews that rate customer service and user experience.
Chase Private Client Checking℠ Account Disclosure: J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNEMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE
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 Private Client checking
Promotional Offers
Enjoy up to $3,000 bonus!
Enjoy up to $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities. Within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts (excludes Chase Personal and Business CDs, Chase business checking and savings accounts, any J.P. Morgan Self-Directed Investing & Automated Investing, J.P. Morgan Personal Advisors Accounts, and J.P. Morgan Wealth Management retirement accounts). Your bonus will be determined on day 45. Maintain your new money for 90 days from coupon enrollment and enjoy your bonus. We'll add it to your account within 40 days.
Visit SiteHours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Chase Private Client Checking℠ Account Community Reviews
Would you recommend Chase Private Client Checking℠ Account to your friends?
AM
Athena M.
Jan 6, 2024
May or may not recommend
The Chase Private Client Checking account offers dedicated support and exclusive benefits like fee waivers and access to events. However, the high account balance requirements, modest interest rates, and limited branch accessibility may pose challenges for some customers. The cost-benefit analysis must be considered when deciding to commit to this premium service. Those aside, the CPCCA provides valuable support and exclusive perks.
Newdawn S.
Dec 5, 2023
May or may not recommend
Ideal for high-net-worth individuals who value personalized service and exclusive perks, but may be less appealing to those who don't need the bells and whistles. Personalized banking services, access to Chase's vast branch network, and a variety of exclusive perks like travel and entertainment benefits.
JM
Joyce M.
Nov 3, 2023
May or may not recommend
I've found the Chase Private Client Checking Account to be a real game-changer for my finances. Although the monthly fee and minimum balance requirements can be a bit tough, the personalized services and tailored financial advice make it worth the investment. It's like having a trusted financial partner by your side.
Malliyah E.
Nov 2, 2023
May or may not recommend
The Chase Private Client Checking Account provides exclusive benefits and personalized service for high-net-worth individuals. With access to premium banking features, dedicated advisors, and waived fees, it offers a seamless and tailored banking experience for discerning clients.
ED
Emily D.
Jul 10, 2023
May or may not recommend
In today's fast-paced world, a reliable and user-friendly banking website is essential for managing our finances effectively. Chase's private checking account website has proven itself to be a standout platform, combining cutting-edge technology with an intuitive interface to provide an exceptional banking experience. Seamlessly merging convenience, security, and comprehensive features, this website is a testament to the bank's commitment to excellence. In this review, we will delve into the reasons ...Show More
Paul Z.
Feb 4, 2023
May or may not recommend
I love using the Chase Private Client Checking account. I have had an overall fantastic experience banking with Chase. I enjoyed the feature of having no ATM fees worldwide and saw this as a huge benefit. Another benefit of banking with Chase was that having no penalties for the first four overdrafts was incredibly useful and helpful for me. Lastly, if you lose or damage your card they will send ...Show More
DS
Dayna S.
Jan 26, 2023
May or may not recommend
This account has been great for us! We love that there are NO ATMS FEES and that the monthly fee is basically non-existent!! We were also able to make a transfer from an investment account to get that $2,000 bonus for opening with Chase! Overall really happy we took the time to do it.
SS
Savannah S.
Jan 24, 2023
May or may not recommend
My CPC account has been a life saver with inheritance of funds. I've worked with Chase for a decade or more and as many know, their customer service is superb - but this account?! Beyond superb service. While opening the account was a bit of a pain with the specific guidelines, once you're in than you are treated with top tier customer service and funds safety. Not to mention the ...Show More
NS
Nicole S.
Jan 22, 2023
May or may not recommend
If it is available in your state it would be a good account to have assuming you can get past the possible $35 a month charge. The benefits compensate for the charge with no out of network ATM fees and no overdraft fees. It also has a decent return on invest if you are looking for an account that will give you something for holding onto your money, but again ...Show More
SS
Sharon S.
Oct 3, 2020
May or may not recommend
So far I’ve had a couple of fallouts with chase and I’ve been with them for the last 3 years. One of the biggest issues I had with them is, someone stole money from my account and I had called that same morning to stop the payment from going through and they told me I had to wait until the payment was posted, I waited and called the next day ...Show More
Showing 10 of 10 reviews
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