Chase review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Chase Total Checking is a debit account from JPMorgan Chase Bank, N.A. that charges a monthly fee of $15, so it suits US customers who value a familiar bank behind the card more than a free month. Readers who would rather pay nothing each month have fee-free options elsewhere on this page.
Pros and cons
Pros
- The card is issued by JPMorgan Chase Bank, N.A., so the balance sits with a bank rather than a crypto platform
- Card type is debit, the type behind 73.4% of listings, more than any other kind of card
- A flat $15 a month, well below the €148.23 charged at the expensive end of this category
Cons
- A monthly fee of $15 a month, where Monzo Flex charges £0, Wise £0 and Bitpanda €0
- Ranked 367 out of 379 on monthly fee, it sits in the costly part of the field
Who it suits
- US customers who want a debit card, debit, from a named bank rather than a crypto platform
- Anyone who can build a fixed $15 charge into a monthly budget and plans to use the card regularly
- Readers weighing a bank debit account against fee free plans, where the site median monthly fee is €0
Who should look elsewhere
- Anyone who wants to pay nothing each month: Monzo Flex charges £0 and Wise £0
- Anyone looking for a fee free option from a crypto platform: Bitpanda lists a monthly fee of €0
How Chase compares
Bitpanda lists a monthly fee of €0 and is one of the 3 alternatives here.
Frequently asked questions
What does Chase Total Checking cost each month?+
Total Checking is a debit account from JPMorgan Chase Bank, N.A. and it carries a monthly fee of $15. The charge sits on the account rather than on any single purchase, so the running cost is the same each month. The card linked to it is a debit card.
Is there a version of this account without a monthly fee?+
This account is listed with a monthly fee of $15, so keeping it open costs something every month. The fee free plans sit elsewhere: Monzo Flex charges £0, Wise £0 and Bitpanda €0. Someone who uses the card only now and then can weigh that set against the flat charge here.
Who issues the card, and what type is it?+
The account is issued by JPMorgan Chase Bank, N.A. and the card type is debit. Debit is the most common card type in this category, appearing in 73.4% of listings, with prepaid cards at 21.2%. A debit card draws on the balance sitting in the account.
How does the monthly fee compare with the rest of the field?+
The monthly fee of $15 sits well above the site median of €0, and the priciest listings reach €99. Most of the field pays nothing, with the upper part of the range still at €0, so a fixed charge here needs justifying.
Where does it sit in the monthly fee ranking?+
On monthly fee this account ranks 367 out of 379 listings, so it sits towards the expensive end. Within this category charges run from €0 to €148.23, which leaves room below the fee charged here.
Who should choose this account?+
This suits US customers who want a bank behind the card and can plan around a fixed charge of $15. People who want a monthly fee out of their budget, or who would rather hold the balance in a crypto platform, will find a fee free plan such as Monzo Flex at £0 more comfortable.
Sources
- chase.com checked September 26, 2026
Backs: Legal entity
“JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.”
- chase.com/personal/checking/total-checking checked September 26, 2026
Backs: Card type, Monthly fee
“you'll get reimbursed for unauthorized charges on your debit card when reported promptly”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Chase
US customers who want a bank issued debit card and can absorb a fixed monthly charge