Relationship Waivers Many Chase clients can bypass these minimums through relationship banking. If the average daily balance falls below this threshold, a $12 fee is applied at the end of the statement cycle.
How to Avoid Chase Balance Save Fees With Minimum Balance Strategies
Higher-tier business accounts may require $2,500 or more to access advanced cash management tools and waive transaction fees. This structure is designed to make the account accessible while covering the bank's operational costs.
Chase often promotes starter accounts or digital-only variants that require no minimum deposit to open. Maintaining qualifying relationships with the bank, such as having a linked Chase savings account, a Chase credit card, or a Chase auto loan, often results in a fee waiver regardless of the checking balance.
How to Avoid Chase Balance Save Fees With Relationship Waivers
While this charge is reversible in some cases by meeting the threshold within 60 days, consistent failure to maintain the minimum can result in the account being closed. This proactive approach turns a simple requirement into a tool for building consistent financial health.
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