Item: Chase Private Client
Rating: 3
Author: Andrew Fitzgerald

Rating:

Is Chase Private Client Worth It?

If you’ve heard about the Chase Private Client program, you probably already know that it is designed to give customers access to extra benefits. Program perks include financial guidance, lower fees, priority service, and more.

Is Chase Private Client worth it for your situation? Keep reading to find out.

Top Benefits of the Chase Private Client Program

Access to a team of financial experts
Access to financial planning services
Invitation-only access to social events, activities, and seminars
No Chase fees on ATM use worldwide
No foreign exchange fees on debit card usage
No Chase fees on incoming or outgoing wire transfers
Significantly higher limits on withdrawals and spending
Priority service at Chase banks
Reduced rates on loans
Enhanced features for online and mobile banking

Chase Private Client Program Benefits Explained

If the list of Chase Private Client benefits looks appealing, here are more details about each one.

Professional Guidance

Chase Private Client members receive dedicated support, including help from a Private Client Banker and a 24/7 Private Client service line. Whatever you need help with, finding the right person is often only a phone call or branch visit away.

Chase Private Client members have access to a Private Client Banker, a Home Lending Advisor, a Business Relationship Manager, and a J.P. Morgan Private Client Advisor for investing.

Each available professional offers a different group of useful services intended to make important financial decisions easier. The Private Client Banker assists with everyday banking needs and customer accounts. The Home Lending Advisor offers solutions, analysis, and guidance for home financing. The Business Relationship Manager helps with business finances. Personalized investment portfolios and strategies built around the client’s financial goals and risk tolerance are also available.

Special Events for Program Members

To make the service package feel more personal, Chase gives Chase Private Client members access to a range of special events and experiences. These events are invitation-only and can include family activities, sporting events, shows, and educational discussions on different topics led by industry experts.

Lower Fees and Rates

Lower fees are one of the program’s main selling points, and the discounts appear in several ways.

When it comes to borrowing, both home and auto loans may come with rate discounts for Chase Private Client members. For auto loans, program members can receive a 0.25% rate discount when they apply for financing online with Chase Auto. For home loans, eligible customers can receive relationship-pricing discounts based on Chase deposits and J.P. Morgan investment balances, and those discounts can vary by balance level and whether new money is brought to Chase or J.P. Morgan.

Card transactions and banking service fees are also reduced. Chase doesn’t charge Chase Private Client members Chase fees for ATM use worldwide. Chase Private Client Checking customers also have foreign exchange rate adjustment fees waived.

Complimentary banking services include no Chase wire transfer fees, no overdraft fees for eligible overdrafts during the first four business days in the current and prior 12 statement periods, and expedited card replacement.

A Higher Return Way to Invest

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Higher Limits

Higher spending and withdrawal limits are another useful feature of the program. Chase Private Client debit card customers can get a daily purchase limit of $7,500, a Chase in-branch ATM limit of $3,000, an other-Chase-ATM limit of $3,000, and a non-Chase ATM limit of $2,000. Chase QuickDeposit and other deposit limits are subject to Chase’s limits and can change.

Chase Private Client Program Eligibility

To qualify for the Chase Private Client program, you generally need a Chase Private Client Checking account and at least $150,000 in average beginning-day balances in that account or together with linked qualifying personal deposits and qualifying investments.

Not every Chase or J.P. Morgan balance counts toward the requirement. Some personal deposit accounts, certain investment and annuity products, and certain retirement CDs or retirement money market accounts can count, but balances in 529 plans, donor-advised funds, and certain retirement-plan investment accounts do not qualify.

Another way to receive Chase Private Client benefits is to be added as a joint owner on a Chase Private Client account. Chase says anyone over the age of 18 can be a joint owner on the account and can use the same benefits.

chase private client advantages

Applying for Chase Private Client Program Access

There are a few ways to apply for the Chase Private Client program: you can visit a physical branch or call the Chase Private Client desk.

If you want to apply in person, availability can vary by branch and product. You can schedule a meeting or use Chase’s branch locator to find a nearby location.

Chase Private Client Program Fees

The Chase Private Client program has a $35 monthly service fee, which can be waived if you maintain at least $150,000 in qualifying linked personal deposits and investments or link the account to a qualifying checking account.

Is Chase Private Client worth it?

Chase Private Client Pros

- Access to a team of financial experts
- Reduced fees and rates on loans
- Higher limits on withdrawals and spending
- Priority service at Chase banks
- Enhanced online and mobile banking features

Chase Private Client Cons

- $35 monthly service fee if the waiver requirement is not met
- Availability can vary by branch and product

Chase Private Client Benefits Summary

The Chase Private Client program can be a strong option for customers who meet the eligibility requirements and want personalized financial guidance, reduced fees, and priority service at Chase branches. The program is best suited for people who are interested in the services offered and who like Chase’s and J.P. Morgan’s approach to wealth management.

Alternative To Wealth Management

Traditional wealth-management firms commonly charge around 1% of assets annually, while charges just 0.15%–0.30%, depending on the strategy. For investors who primarily need automated portfolio management and rebalancing, Webull can provide these core services while leaving more of their money invested.

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Updated on 8/1/2026.

J.P. Morgan Chase Private Client Review For 2026