The Chase Premier Plus Checking account is one of the bank’s more advanced personal checking options, designed for customers who maintain higher balances or have deeper relationships with Chase. Its goal is to provide benefits such as service fee waivers, access to an extensive branch and ATM network, and a few extra free services. Here’s what you need to know to determine if it’s a good fit for you.
Main Features
Premier Plus Checking includes access to over 15,000 ATMs and 5,000 Chase branches, along with modern digital banking tools like mobile check deposit, bill pay, account alerts, and money transfers through Zelle®. The account also offers Zero Liability protection against unauthorized transactions and is suitable for both personal banking and customers seeking more convenience.
Additionally, the account provides up to four non-Chase ATM withdrawals per statement period without a Chase fee. Other perks include free money orders and cashier’s checks, as well as a monthly fee waiver available for active-duty military members and veterans.
Key Advantages
One of the main advantages is the ability to waive the $25 monthly service fee by keeping an average daily balance of $15,000 or more across eligible accounts, having a Chase mortgage with automatic payments, or qualifying as military personnel or a veteran.
This makes the account appealing to customers with higher assets or those who prefer to centralize their finances at Chase. Another plus is the wide branch and ATM network, offering convenient in-person assistance and easy cash access, alongside robust digital tools.
It’s also beneficial for customers who frequently use non-Chase ATMs, as the first four out-of-network withdrawals are free of Chase fees. The account includes financial management tools, mobile deposit, alerts, and premium support services tailored to customers who want enhanced functionality.
Fees and Costs
The standard monthly service fee is $25, but it can be waived under specific conditions. Other fees include:
- $3 per withdrawal at non-Chase ATMs in the U.S. after the first four free ones;
- $34 overdraft fee per paid transaction, up to three times per day;
- Wire transfer fees ranging from $25 to $50, depending on whether it’s domestic or international, and done online or in-branch.
Fees are subject to change, so it’s best to check the latest Chase fee schedule for updates.
Who It’s Best For
This account is ideal for those who:
- Maintain higher balances (around $15,000 or more across linked accounts) to avoid the monthly fee;
- Prefer managing finances through a large bank with extensive branch/ATM coverage and strong digital tools;
- Frequently use non-Chase ATMs and want at least four fee-free withdrawals per statement period;
- Value premium banking benefits like free cashier’s checks and money orders, and a more robust relationship with the bank.
How to Open a Chase Premier Plus Checking Account
To open this account:
- Visit the Chase website or a local branch;
- Complete the account application form;
- Provide valid identification;
- Verify your address;
- Make an initial deposit if required (usually there’s no minimum deposit to open).
After opening, it’s important to review the requirements for waiving the monthly fee (such as maintaining the necessary balance or linking a Chase mortgage) to avoid charges. You should also check the “Additional Banking Services and Fees” document for a full breakdown of potential costs.
Is It Worth It?
That depends on your financial profile. If you can meet the balance requirements or already have other Chase products, the Premier Plus Checking account can be worthwhile. It provides a higher level of service, access, and convenience, with the potential to avoid fees.
In summary, for customers with steady income, savings capacity, and a preference for traditional banking with modern features, the Chase Premier Plus Checking account stands out as a classic and attractive choice.
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All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
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