Chase College Checking

Chase College Checking  
Offered by: Chase
4.3 69 reviews   Write a Review!
1 2 3 4 5 Your Rating: Excellent
Info about the Chase College Checking has been collected by WalletHub to help consumers better compare checking accounts. The financial institution did not provide the details.
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Chase College Checking Rates

Range
$1+
Interest Rate
0%
APY
0%
  • MINIMUM TO OPEN None

Chase College Checking Fees

  • MONTHLY FEE None
  • MIN BALANCE TO AVOID MONTHLY FEE N/A
  • OTHER WAYS TO AVOID MONTHLY FEE N/A
  • PAPER STATEMENT
    FEE
    Info Not Found
  • OVERDRAFT FEE $34
  • NEGATIVE ACCOUNT BALANCE FEE Info Not Found

Chase College Checking ATM & Debit Card Usage

  • IN-NETWORK ATM TRANSACTION FEE None
  • ATM NETWORK SIZE 16000 ATMs
  • OUT-OF-NETWORK ATM TRANSACTION FEE $2.50
  • REBATE OF ATM OWNER SURCHARGE Not Offered
  • FOREIGN ATM FEE 3% (and $5)
  • DEBIT CARD VISA
  • DEBIT CARD FOREIGN TRANSACTION FEE 3%

Chase College Checking Additional Info

  • REWARDS No
  • ONLINE BILL PAY FEE $0 per month
  • ADDITIONAL REQUIREMENTS For college students 17 to 24 years old at account opening with proof of student status
  • Get $100 when you open a Chase College Checking account and Complete at least 10 qualifying transactions within 60 days of account opening. Offer expires 10/18/2021
  • No Monthly Service Fee for up to 5 years while in college
  • If you're between 17-24 years and have a Social Security number you can open your College Checking account online or visit a Chase branch to open an account
  • Access to 16,000 ATMs and 4,700 branches so you’re sure to find one near you

Chase College Checking Interest Rate Tracker

The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Chase College Checking to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

140

Ask

I was wondering if I have a spending limit on my card? I have the college student account and I tried to buy some plane tickets. Reply 1910

Photo of WalletHub
WalletHub
@WalletHub

Normally, the spending limit is your current balance. However, you can overdraft it, but you will be charged fees.

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19 Upvotes

How much is my limit to take out money out of an ATM? I have a college account. Reply 82

Photo of WalletHub
WalletHub
@WalletHub

Chase will disclose your ATM withdrawal limit when calling customer service. Please call customer service at 800-935-9935 to find out your limit.

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8 Upvotes

How can I deposit money into my granddaughter college checking account? Reply 87

Photo of WalletHub
WalletHub
@WalletHub

You can only deposit money into your granddaughter’s account if you are an authorized user and you provide your ID.

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8 Upvotes

Would they give me a $500 loan if I pay back today? Reply 33

Photo of WalletHub
WalletHub
@WalletHub

Chase imposes an overdraft limit to each account based on the account’s history and it generally pays overdrafts at its discretion. Please call customer service at 800-935-9935 for more details regarding your overdraft limit.

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3 Upvotes

I have a Chase College checking account. Shouldn’t I be exempt from the $6 monthly service fee?
I signed up for this account less than a year ago and am 21 years old and currently still a student. I have been charged this fee every month since I signed up. Reply 33

Photo of WalletHub
WalletHub
@WalletHub

According to Chase’s website, the monthly fee is waived for up to five years while you are in college. You can call customer service at 1-800-935-9935 and they should tell you what steps you need to take in order to waive the monthly fee.

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3 Upvotes

Can I open a Chase College checking account if I'm over 24? Reply 2

Photo of kendallmorris
Kendall Morris
@kendallmorris

You cannot open a Chase College checking account if you're over 24. Only college students between 17-24 years of age at account opening can get the account, if they provide proof of student status.

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2 Upvotes

How do I turn off overdraft protection? Reply 24

Photo of WalletHub
WalletHub
@WalletHub

Please contact customer service at 800-935-9935 to opt-out of the overdraft protection service.

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2 Upvotes

What is the lowest amount you can have on your Chase debit card before they start charging your card? as in like say if I have like 50 cent left on the card and they start charging it and overdraw my card, what's the lowest you can be before they charge? Reply 22

Photo of WalletHub
WalletHub
@WalletHub

Your account is charged with a $6 monthly service fee, unless you are in college, or you have a direct deposit made to this account, or you keep an average daily balance of at least $5,000.

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2 Upvotes

What fees are charged for using a STAR Network ATM? Specifically the one at CSU Cal Maritime Academy, 200 Maritime Academy Drive, Vallejo CA 94590 Reply 2

Photo of WalletHub
WalletHub
@WalletHub

For non-Chase ATMs there is a $2.50 fee.

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2 Upvotes

What type of ID do I need to open a Chase College checking account? Reply 1

Photo of kendallmorris
Kendall Morris
@kendallmorris

To open a Chase College checking account online you need your Social Security Number and a driver's license or state issued ID.

To open the account in a branch, you will need 2 forms of identification. For example you can use a Social Security Card, Taxpayer Identification Number, driver's license with photo and student ID with photo.

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1 Upvote
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  • Reviews

Chase College Checking Reviews

Help fellow WalletHub members save money. Share your insights and review the Chase College Checking:
Your Rating:
0
1 2 3 4 5
4.3
Overall Rating: 4.3 / 5
Total Ratings: 69
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    Photo of omarm1
    YesUsefulNo0
    5

    Overall a very good bank, as well as checking account. There are some limitations to the amount of money that can be withdrawn within a day, but as a college student using this as a day to day checking account, I have never experienced a situation in which I need to withdraw/spend more than this limit. Very good customer service provided by Chase, they alerted me and canceled my card when my its information was stolen and being used falsely before I even noticed the charges!

    November 12, 2015 · Report Abuse
    Photo of daniel1
    YesUsefulNo0
    3

    i opened the college checking account with chase when i got a mail coupon that offered me 200 dollars for opening the account, after a while i found them not to be as willing as other banks to work with me; if for some reason i was on the negative there was no grace period to bring the balance back to positive.

    October 7, 2015 · Report Abuse
    Photo of tyler
    YesUsefulNo0
    4

    I've been generally happy with this checking account! I have been with chase since it was WAMU, and been holding this checking account through college and admittedly beyond. I currently pay no fees, and have probably taken its straightforwardness for granted, but thats how well it has worked for me. No complaints here! However, make sure you have a good supply of backup money in the account, because the overdraft fees, as others have mentioned, are a little steep.

    September 9, 2015 · Report Abuse
    Photo of chrism1
    YesUsefulNo0
    5

    I have had chase since I was in high school and I enrolled in the Chase College account right when I got to college. It is by far the best fee wise and you of course cant beat chase customer service. They are on top of it for everything; their was even one time when I got my card stolen and money was taken out of my account and they replaced it! I plan on keeping my chase college account as long as I can and will enroll in a normal account once my college one expires.

    August 21, 2015 · Report Abuse
    Photo of amckinly
    YesUsefulNo0
    5

    I have been using the Chase College Checking Account for about 3 years now. I have never had any issues with this account nor my savings account. I have no monthly fees, a withdraw amount of $500 a day, and I don't need to maintain a specific balance to keep the account. The only issue is the overdraft fees can be a little ridiculous. They will charge you $35 dollars even you have -$5.00 in your account or more. Some people may seem that to be reasonable. On the bright side, if it is over -$5.00 they will not charge you. I am happy with my account nonetheless.

    August 4, 2015 · Report Abuse
    Photo of laurent_tshisekedi
    YesUsefulNo0
    4

    Chase has been my go to since I started college back in 2012 and it never seems to fail me. Given the fact that I have limited knowledge of how the banking process works, I find it incredibly easy to keep track of my online balance and converse with the representatives of the chase. I actually just got a new card this past week and the process was incredibly seamless. I've yet to attain a credit card but chase is probably my number one option right now. Chase does a great job of making the process of opening a checking account easy and painless. Highly recommend going to chase.

    August 4, 2015 · Report Abuse
    Photo of zlang34
    YesUsefulNo0
    5

    I signed up for a Chase College Checking account when I first started going to college, nearly four years ago, and I have never had a problem with their services. They have one of the best mobile banking apps out there, one in which you can deposit checks. It is very easy to transfer and receive money transfer from others ones you sign up for this service. One problem I did encounter when signing up for this service is that it has to be from an actual desk top/lap top. You cannot sign up for this service from your cell phone.

    July 10, 2015 · Report Abuse
    Photo of Firefighter213
    YesUsefulNo0
    5

    Chase College Checking was a great account for me to have since I was able to avoid the monthly fee by just having a direct deposit get put into the account. The other perk for me was not having a minimum amount to open the account which was helpful as a struggling college student. Chase is a great company to start your financial future with and I am happy I chose them.

    June 9, 2015 · Report Abuse
    Photo of slizekalfer
    YesUsefulNo0
    4

    I had a pretty good experience with Chase. The monthly fee is waived as long as you direct deposit 500+ in your account every month. The overdraft fees are a little crazy at 34 a pop, but those only happen if you overdraft over 5 dollars. Luckily, Chase will refund 3 of those overdraft fees a year! I would bank with them again.

    April 7, 2015 · Report Abuse
    Photo of haleylynn001
    YesUsefulNo0
    5

    I transferred to the College Checking account from my High School acount when I graduated from high school and turned 17. I don't incur the monthly fees because I am still in the 17-24 age range and have thus far been very impressed with the costumer service provided. There have been a couple of times now that either from my own error or purchases not going through on time, I have become overdrawn and hit with the automatic $34 fee. Each time this has happened I have been able to call the support line, explain my situation, and have the free removed. I do plan on staying with this account for quite some time.

    February 12, 2015 · Report Abuse
    Photo of scottdewae
    YesUsefulNo0
    5

    Chase College Checking is something I'm really glad I'm enrolled in. As a broke college student, I am happy to have zero monthly payments, Chase quick deposit, the best customer service and convenient ATM locations open 24/7. Even their phone support is the best I have seen. I feel like the employees truly care about my experience.They have helped me through a couple fraudulent transactions as well and reimbursed me for the losses. A+ Chase and I would highly recommend this service to all young people and college students as well.

    February 2, 2015 · Report Abuse
    Photo of pomegrane
    YesUsefulNo0
    5

    The best part about using Chase College Checking is that there are no monthly fees. I also like how there are so many Chase ATMs around the United States. That way I can withdraw money very easily using my debit card and for no extra fees. I like that I can deposit checks directly using the ATM. No need to actually stop by a branch! The online interface for managing your money is also very easy to use and you can see all your transactions clearly.

    January 9, 2015 · Report Abuse
    Photo of RoshanJ
    YesUsefulNo0
    5

    I like that I can avoid the monthly maintenance fees and how I really have access to all my money there is no minimum that I have to keep in my account I also enjoy how they make it simple for me with my transactions and how I can actually make my pin number something that I want. They also have a feature where if you were referred by someone else you and them both get 25 dollars for free in your new account.

    December 30, 2014 · Report Abuse
    Photo of meeeeshka
    YesUsefulNo0
    4

    Great for college students since there are so many locations and ATM's everywhere. The phone app is great and the phone deposits are super helpful when I can't make it to a physical location all the time, I've had the account since 2009 and they used to give rewards, but they stopped that a while ago. Other than that complaint I love banking with Chase. You can also sign up for mobile alerts when your account balance gets too low and that's helpful too if you can't always get online.

    December 30, 2014 · Report Abuse
    Photo of MJGeiger
    YesUsefulNo0
    5

    Great for a college student who has little income and keeps a low average balance. Not having to worry about fees means I can focus more on school and saving. The customer service at Chase bank is outstanding. They're almost always kind and helpful. ATM's in most buildings on campus means I'm never far from a withdrawal or deposit when I need one. Their office is really close, too. Just a few minute walk from my apartment. Chase's College checking is by far the most convenient account I could have.

    December 19, 2014 · Report Abuse
    Photo of delacyh1
    YesUsefulNo0
    2

    I find this checking account to be full of hidden fees. It seems like every month, they are hitting me with a new fee, a new problem, etc. I am just a single mother, that works really hard and it's crazy that a bounced debit for 50 cents can cause several hundred dollars in fees and a chain reaction. I would not recommend this account. However, it is not a one, because other banks are worse.

    December 4, 2014 · Report Abuse
    Photo of FLorie1002
    YesUsefulNo0
    4

    I signed up with Chase College when I first started working back in 2007. They also signed me up with a very low balance credit card. It's been fantastic thus far. I do not pay a fee, I get reliable customer service, and there are ATMS anywhere you go.

    Best part is, they call you if anythings look fishy or fraudulent which is great for me becuase I was subject to identity theft. .
    They try their hardest to keep your account safe and secure. If you're just starting out, Chase College Account and Savings is a great account.

    November 12, 2014 · Report Abuse
    Photo of kyle_maddox_31
    YesUsefulNo0
    5

    Since I started College I've been using Chase Checking. For me it's been fantastic. Low to no fees (depending), reliable customer service, and convenient branch and ATM locations anywhere! We just moved from the city into a rural area and our trip times to the bank haven't even changed.

    They're also great for fraud protection and keep your account safe and secure. If you're a student looking for a new Bank/Checking Account, Chase is a great place to start.

    September 25, 2014 · Report Abuse
    Photo of aepasche
    YesUsefulNo0
    5

    I've used my Chase College Checking for all 4 years of college. It is a very reliable service, and there is almost always a Chase ATM within 5 minutes of wherever I am. I appreciate the options for alerts, and I was able to set it up to text me whenever I spend over $120 at once, or my account drops below $25. This is great for security and budgeting.

    September 10, 2014 · Report Abuse
    Photo of yoanrodriguez24
    YesUsefulNo0
    5

    Chase College Checking is probably the greatest Checking out there for soon to be or current college students. It offers no annual fee, no monthly fee, no monthly amount, and no minimum amount of money to open the account. This is a great way for a student to start entering the real world with a reliable bank. The card is good for about 4 years or the term most students are in college but watch out for those over draft charges students they will bite you hard if your irresponsible. I myself used this card for 4 years and Chase helped me every time I had a question and they were even kind enough to reverse a few overdraft fees when I pleaded my case, absolutely great customer service.This is an exceptionally great service for a broke college student just trying to get by and pay for college, really appreciate them.

    August 13, 2014 · Report Abuse
    Photo of anthonio
    YesUsefulNo0
    5

    This is the best checking account for any student in America. I got the account when i joined college and they told me it was good for four years. The greatest thing about this account was that you had access to all the services other customers with regular account got but at NO FEE which is fantastic for a regular college kid with little or no income. There were no minimum balance requirements but overdraft fees were very steep. Generally its a great account considering it comes standard with no fees

    July 8, 2014 · Report Abuse
    Photo of buddhajack28
    YesUsefulNo0
    5

    I had this account while I was in college and I wanted to check how the rates are currently compared to when I had this account. So I used the Wallethub search toolbar to find this account. I simply typed in Chase College Savings in the search tool and was immediately taken to this account page. It was very simple and easy to find the account I was looking for. I didn't need any additional information or need to filter through categories. The Wallethub search tool is fast and easy to use with quick results.

    June 20, 2014 · Report Abuse
    Photo of kacha10
    YesUsefulNo0
    5

    I have had a Chase college checking account for a few years now and I love it. I love that I am able to transfer money easily online from my checking to my savings. The people who work at Chase are always willing to help when I need it. Being a college student, very rarely do I have extra money for needless things, such as service fees with a bank account. Chase does not make me pay any fees to keep my account. Every time I have had a problem with my account, I am able to call Chase and speak to someone right away about it. Their customer service is impeccable.

    June 2, 2014 · Report Abuse
    Photo of parker41291
    YesUsefulNo0
    4

    I have a chase college checking account, and I love it! There are no fees for this account, because I am a current student. This is great because as a student I do not always have a constant amount of funds in my account. I have no problems with the online banking either and I really love the app that allows me to monitor my checking account via my cell phone. I've banked with chase for all of my college years and will continue to do so!

    June 2, 2014 · Report Abuse
    Photo of micheal_ortiz_75
    YesUsefulNo0
    4

    Chase is pretty good for the most part. The only problem I had was one time I was written a fake check for over 2 grand. I didn't know the check was fake, and it ended up bouncing, not only making me lose two grand, but an addition fee of around 30 dollars. Chase wouldn't work with me on this, and therefore I had to make a new account. other than that, my experience with chase has been pretty good.

    June 2, 2014 · Report Abuse
    Photo of foofies123
    YesUsefulNo0
    4

    I was grandfathered in through Washington Mutual and had Chase College checking throughout my college years (although they tried to kick me out into the "regular" checking account which I would've had to pay a monthly fee for). Being a college student, I would occasionally overdraw my account. Also being a broke college student, the $35 overdraft fee was often a painful ding in my accounts. Every time I have called Chase customer service they have refunded my overdraft fee (granted, this has only happened 2 times over the years). I have been very impressed with the high level of customer service, probably some of the best customer service I have ever experienced. That is one of the reasons I continue to bank with Chase.

    May 20, 2014 · Report Abuse
    Photo of newturker
    YesUsefulNo0
    5

    I have had this account since 2010. I think it is great in the Greater New York City area because of the large number of ATMs and branches. I can deposit cash or checks right into the ATM and many of the new ATMs are offering the ability to withdraw any denomination bill that you want. It is great to not have to break a $20 every time. I like that I can pay my bills online, I rarely have to deal with a person, I can do my banking 24/7.

    April 30, 2014 · Report Abuse
    Photo of rsszaren
    YesUsefulNo0
    4

    When I first opened this account in 2009, it wasn't so great. Even though I had over draft protection turned off, they continued to pull money from the account, eventually ending up with me being about $300 in the red. After I was able to pay the account back up to a positive balance, I talked to some customer service to ensure that this wouldn't happen again. Since then, I have had no issues whatsoever and have also been helped when my debit card was stolen; the new card got to me within about 4 days!

    April 16, 2014 · Report Abuse
    Photo of xxluckiixx
    YesUsefulNo0
    4

    i love chase. i have not had any overdraft fees since i joined. they have great customer service and so many locations to choose from. the bank tellers are always kind and generous. they always notify me if my account is low, either by email or text message which is very convenient.

    April 1, 2014 · Report Abuse
    Photo of hashbrownsmaketheworldgoround
    YesUsefulNo0
    5

    I have had my Chase account for about four years now. There are no monthly fees, and I always get a text when my balance is low. I've always had great customer service when needed. The biggest issue I have ever had with them was regarding their outrageous fees on account transfers. Making deposits and transferring from other Chase accounts is so simple. But, when I transferred my financial aid refund into my Chase College Checking account, I was charged a fee of over 30 dollars! I guess I didn't read the small print! Just make sure you keep a close eye on fees.

    March 21, 2014 · Report Abuse
    Photo of Saysa11
    YesUsefulNo0
    5

    I've had my College Checking Account with Chase for about 2 years now. It's the first bank account I've ever had, so I can't really compare it to other accounts. It's perfect for a college student! I don't have to worry about monthly fees or minimums! The only problems I've had are with overdraft fees. Sometimes I wouldn't know that I had overdrawn my account, but that's more my fault than Chase's. I have noticed that the option to automatically pay bills every month doesn't really work for my account. The payment wouldnt go through and I would have to do it manually.

    March 21, 2014 · Report Abuse
    Photo of brett_bishop1
    YesUsefulNo0
    5

    I opened my Chase College Checking account a few years ago before I started college. Before banking with Chase I used a small, local bank, which simply could not compare to what Chase has to offer. This account is nothing special; however, it is perfect for students who are just starting out on their own. There is no minimum balance required to keep and there are very few fees. This account also offers online banking services, so it is very easy to keep an eye on and track your activity. The account also offers very good fraud protection. When my card number was stolen a few months ago, Chase was quick to discover it and even quicker with replacing my lost funds and providing me with a new and free card. I would recommend this account to any student or young adult who is just starting out on their own.

    February 24, 2014 · Report Abuse
    Photo of Mactar_92
    YesUsefulNo0
    5

    I recently opened a college account with chase after switching from BoA. The account provides everything I need and has no fees! The no fees was the number 1 reason for switching. I did not get any rewards for opening, but I did get 10 free checks. The debit card provided should more than handle all of my needs. I really also appreciate the check deposit from my phone. Overall great account and no fees! The ATMS are right near campus and you can do all your banking needs there. It took about 10 minutes to open my account and my concerns were all handled perfectly.

    February 5, 2014 · Report Abuse
    Photo of minswho
    YesUsefulNo0
    4

    I got the Chase college checking account few months before college began. I was leaning toward Bank of America at the time but I believe I made the right choice. This checking account is nothing special. It's an ordinary checking account. However, I never had any kind of problem with it and its two-step verification is very reassuring. I think it's a safe and convenient account with no fees (which was why I chose it in the first place) and would highly recommend it. My only problem was its lack of branches in states such as New Mexico. Although I left NM long time ago, I had to make a check out every single time to use my smartphone to deposit money just so I didn't have to pay any extra ATM fees.

    February 4, 2014 · Report Abuse
    Users also submitted 35 ratings without a full review
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