Chase bank fees explained.
Common Chase fee categories
| Fee type | What it usually covers | Typical waiver condition |
|---|---|---|
| Monthly maintenance | The cost of keeping the account open each statement cycle. | Often waived with a qualifying direct deposit, minimum daily balance, or linked account (per the current Chase terms). |
| Out-of-network ATM | Using a non-Chase ATM; the ATM operator may also charge separately. | Use in-network ATMs or request a fee-reimbursement feature if the account offers one. |
| Overdraft / insufficient funds | Charged when a transaction exceeds the available balance, depending on the account's overdraft settings. | Opt out of overdraft coverage, link a backup account, or maintain a buffer. |
| Wire transfer | Different amounts for domestic and international wires; incoming vs. outgoing. | Some relationship-tier accounts reduce or waive wire fees; check the current schedule. |
| Stop payment | Requesting a stop on a check or pre-authorized payment. | Rarely waived; treat as a per-incident service charge. |
How to find the exact fee that applies to you
Fee schedules change and differ by account type (Total Checking, Sapphire, Premier, business, etc.). The only reliable source is the current document Chase provides with your specific account: the deposit-account agreement and the fee schedule PDF in your online banking or the Chase website. A fee you saw on a third-party site may be out of date or for a different account.
How to reduce bank fees generally
- Meet the waiver conditions. Set up qualifying direct deposit or keep the minimum balance.
- Use in-network ATMs. Out-of-network withdrawals add up fast.
- Opt out of overdraft coverage if you'd rather a transaction be declined than trigger a fee.
- Review the monthly statement for fees you didn't expect; some are reversible on request.
Where Kronos fits
Kronos is an iOS money app for gig workers and freelancers that organizes gig-income records, 1099 documents, mileage, receipts, payment requests, and transfer status. KronosPay LLC is a financial technology company, not a bank or lender, and Kronos is unrelated to JPMorgan Chase. Any provider-dependent fee in the Kronos app is disclosed on the confirmation screen before you approve. Read the bank-status page.
Official sources
Does Chase charge a monthly fee?
Many Chase consumer accounts have a monthly maintenance fee that is waived under conditions published in the current account agreement (e.g., qualifying direct deposit or minimum balance). Check your specific account terms.
Is Kronos a Chase alternative?
Kronos is a gig-income records app, not a bank account, and is unrelated to Chase. Compare the actual products and their current terms.
General educational information only; not financial, tax, or legal advice. "Chase" is a trademark of JPMorgan Chase; this independent guide was not sponsored, reviewed, or endorsed by Chase.