Chase offers online banking at no monthly fee, but some services and account types carry separate charges
Chase does not charge a monthly fee to use Chase.com or the Chase mobile app for basic online banking. You can check balances, transfer money between your own accounts, pay bills, deposit checks by photo, and set up alerts without paying anything extra. The cost depends on which account you hold and which services you use beyond the basics.
If you have a Chase checking or savings account, online access is included. If you want to use advanced features—like wire transfers, expedited bill pay, or services tied to investment or credit products—some carry their own fees. Those fees are separate from any monthly account maintenance charge your account type might have.
Key Takeaways
- Basic online banking through Chase.com and the mobile app is free with any Chase checking or savings account.
- Monthly account fees (if any) depend on your account type and balance requirements, not on whether you bank online.
- Wire transfers, rush bill payments, and certain investment services carry separate transaction fees.
- You can avoid most account fees by maintaining a minimum balance or setting up direct deposit, depending on your account tier.
What online banking features are free at Chase
Chase includes these services at no extra cost: viewing account history and balances, transferring money between your own Chase accounts, paying bills to third parties through Chase Bill Pay, depositing checks by taking a photo with your phone, setting up account alerts, downloading statements, and viewing tax documents. You can also use Zelle through Chase to send money to other people's bank accounts instantly.
The Chase mobile app and Chase.com both offer the same core features. You do not pay extra to use one over the other. If you have multiple Chase accounts—checking, savings, credit cards, or loans—you can see them all in one login.
Which Chase accounts have monthly fees and how to avoid them
Chase offers several checking and savings account types, and the monthly fee (if any) depends on which one you choose. Some accounts have no monthly fee under any circumstance. Others charge a monthly maintenance fee unless you meet certain conditions, such as maintaining a minimum balance or setting up direct deposit.
For example, Chase Total Checking has a monthly fee, but you can waive it by keeping a minimum balance, setting up direct deposit, or maintaining a linked savings account with a certain balance. Chase Secure Banking has no monthly fee. Chase Premier Plus Checking charges a higher monthly fee and is designed for customers with larger balances or more complex banking needs.
The monthly fee (or lack of one) is not related to online banking. It is tied to the account product itself. Online access is free regardless of which account you hold or whether you pay a monthly maintenance fee.
Services that do charge a fee
Some transactions and services beyond basic online banking carry their own fees. Domestic wire transfers typically cost money. Sending a wire transfer through online banking costs the same as sending one in person or by phone. International wire transfers cost more than domestic ones.
Expedited or rush bill payments may carry a fee if you need the payment to arrive by a specific date sooner than the standard timeline. Stop payment requests on checks also cost money. Certain investment services, such as trading stocks or mutual funds through Chase, may have transaction fees or advisory fees depending on the service.
Overdraft fees apply if you spend more than your account balance. Chase does not charge a fee simply for using online banking, but you can incur overdraft fees through any channel—online, mobile app, ATM, or in person.
How to access Chase online banking
Go to Chase.com and log in with your username and password. If you do not have an online account yet, you can enroll during login. You will need your account number and other identifying information. Enrollment is free and takes a few minutes.
Download the Chase mobile app from the Apple App Store or Google Play Store. Log in with the same username and password you use on Chase.com. You can set up biometric login (fingerprint or face recognition) for faster access on your phone.
Once you are logged in, you can set up bill pay, transfer money, deposit checks, and manage alerts. Chase also offers a feature called Chase QuickPay that lets you send money to people using their email or phone number, powered by Zelle.
What happens if you do not use online banking
You do not have to use online banking. You can visit a Chase branch in person, call customer service, use an ATM, or mail in payments. None of these methods are free or cheaper than online banking—they are simply alternatives. In-person teller services and phone support are included with your account at no extra charge.
However, some services are only available online or through the mobile app. Mobile check deposit, for instance, is not available at an ATM or in person. If you need a service that is online-only, you will need to use Chase.com or the app.
Frequently Asked Questions
Does Chase charge to download the mobile app?
No. The Chase mobile app is free to download and use. You only need a Chase checking or savings account and your online banking login credentials. There are no in-app purchases or subscription fees for basic banking features.
Do I have to pay to use bill pay?
No. Standard bill pay through Chase is free. You can schedule payments to arrive on a specific date at no charge. Expedited or rush bill pay—where you need the payment to arrive by a certain date sooner than normal—may carry a fee, but you choose whether to pay for that service.
What if I want to send money to someone else's bank account?
Chase QuickPay and Zelle are free ways to send money to other people. You provide their email address or phone number, and the money moves to their bank account. The transfer is usually instant. No fee applies on Chase's end, though the recipient's bank may have its own policies.
Can I get charged for checking my balance online?
No. Checking your balance, viewing transactions, and downloading statements through Chase.com or the mobile app are all free. You will never be charged a fee for viewing your own account information.
What if my account has a monthly fee—does that cover online banking?
No. The monthly account fee and online banking access are separate. If your account has a monthly maintenance fee, that fee covers the account itself, not online banking specifically. Online banking is included free with any Chase account. You may be able to waive the monthly fee by meeting certain requirements like direct deposit or maintaining a minimum balance.