Chase Secure Banking review

Chase Secure Banking is the account Chase now lists for young adults on its checking page, with a $0 Monthly Service Fee for account owners who are 17 to 24 years old. Outside that age range the fee is $4.95, waived in any statement period with $250 or more in qualifying electronic deposits such as a paycheck. The account has no overdraft fees, needs no minimum deposit to open and can credit eligible direct deposits up to two business days early. The main draw for students is reach: Chase lists 5,000 branches and 14,000 ATMs, more in-person access than any other bank here. A Chase Savings account can sit alongside it, also without a Monthly Service Fee for 17 to 24 year olds. Weigh the trade-offs: the waiver is age-based, so the fee can return after your 25th birthday, 17-year-olds have to open in a branch, and using non-Chase ATMs can bring fees from both Chase and the ATM owner.

Who it is for

students who want a big branch network

Price

$4.95 monthly service fee, or $0 for account owners aged 17 to 24 or with $250+ in qualifying electronic deposits.

You can avoid the $4.95 Monthly Service Fee by having ONE of the following each monthly statement period: $250+ in qualifying electronic deposits An account owner who is 17-24 years old
Quoted from the vendor pricing page on November 13, 2026.

Key features

• $0 Monthly Service Fee for account owners aged 17 to 24
• No overdraft fees
• Early direct deposit up to two business days sooner
• No minimum deposit to open
• Access to 5,000 branches and 14,000 ATMs

Strengths and weaknesses

• Strength: Largest branch and ATM footprint on this list at 5,000 branches and 14,000 ATMs
• Strength: No overdraft fees on the account
• Strength: Chase Savings also has no Monthly Service Fee for 17 to 24 year olds
• Weakness: The $4.95 fee returns at 25 unless you get $250+ in qualifying electronic deposits
• Weakness: 17-year-olds must open in a branch
• Weakness: Non-Chase ATMs can bring fees from both Chase and the ATM owner

Key facts

• Monthly fee: $4.95 or $0 (owners aged 17 to 24)
• Minimum to open: $0
• Overdraft fee: $0
• Branches and ATMs: 5,000 branches, 14,000 ATMs

Where it ranks

Chase Secure Banking is No. 3 in our Best Student Checking Accounts verdict.