Chase Private Client requirements

Chase Private Client requirements come down to one number and one measurement rule: $150,000 in combined qualifying balances, measured as an average beginning day balance across the statement period — the average of what the account held at the start of each day in the cycle, not a single snapshot and not a simple monthly average.

That $150,000 is not only cash. Chase counts deposit accounts, CDs and retirement accounts, plus certain investment and annuity products through JPMorganChase and its affiliates, toward the line — so a linked J.P. Morgan investment balance moves a reader toward Private Client exactly as cash in checking does.

Chase — Relationship checking tiers

National branch network

Premier Plus Checking — $15,000

$0Monthly service fee: $0 rather than $25.

ATMNon-Chase ATM fee: $0.

FXDebit card foreign exchange rate adjustment: $0.

WireWire fees are still charged at this tier — they drop to $0 only for military servicemembers with military direct deposit.

Chase Private Client — $150,000$0Monthly service fee: $0 rather than $35, and linked accounts pay $0 monthly service fee too.
WireWires: $0 worldwide, incoming and outgoing. Standard is $15 incoming and $25 to $50 outgoing depending on channel and destination.
ATMNon-Chase ATM transactions: $0 worldwide. Standard is $3 in the US and $5 internationally.
FXForeign exchange rate adjustment: $0. Standard is 3% of the withdrawal amount after conversion.
$0Counter checks, money orders, cashier's checks and stop payments: $0.
Box20% off the annual rent on any size safe deposit box — a discount, not a waiver.
TeamA named Private Client Banker as your direct point of contact, partnered with a J.P. Morgan advisor.

J.P. Morgan Private Client — $1,000,000

$0The $150 monthly membership assessment is $0 while you hold $1,000,000 or more in qualifying balances, or during your first year of enrollment.

WireWires and ATM withdrawals: $0 worldwide.

TeamA dedicated senior banker and a J.P. Morgan Wealth Management advisor, with a team of specialists behind them.

EstateTrust and estate planning, extendable to family members, trusts and qualifying businesses.

What counts toward it: Chase deposit accounts, CDs and retirement accounts, plus certain investment and annuity products through JPMorganChase and its affiliates. How it is measured: Average beginning day balance across the statement period.

Not established: Chase Sapphire Checking — the $75,000 rung — is closed. Chase's own page says it "is no longer available for new account openings", and it appears in the dated Accounts No Longer For Sale disclosure effective 14 June 2026. That removes the only Chase step between $15,000 and $150,000. A credit card rewards uplift and an auto loan discount are not mentioned on the Private Client benefits page and are not claimed here.

Read from chase.com — Private Client benefits on 27 August 2026

What the ladder used to include

Chase's relationship tiers are not continuous between $15,000 and $150,000. Chase Sapphire Checking, which used to sit at $75,000, is closed: Chase's own page says the account "is no longer available for new account openings," and it appears in the bank's dated Accounts No Longer For Sale disclosure, effective 14 June 2026. That removed the only step between the $15,000 Premier Plus Checking line and $150,000 Private Client — so anyone searching for the $75,000 tier today is searching for an account Chase no longer opens.

What Chase does not publish

Chase's Private Client benefits page does not mention a credit card rewards uplift or an auto loan rate discount at this tier, so neither is claimed here. The next step up, J.P. Morgan Private Client, only applies at $1,000,000 — as far above Private Client as Private Client is above zero.