| Account Features | Everwise Ultimate Checking | Chase Total Checking® Account |
|---|---|---|
| APY (Interest Rate) |
Earn up to 3.00% APY* when you enroll in eStatements and use your debit card for 15 non-PIN transactions | None |
| Bonus Offer | $200 bonus for opening a new account and meeting activity requirements¹ | $300 bonus for opening a new account and meeting deposit requirements |
| ATM Access | Access to more than 30,000+ reduced fee ATMs nationwide and over 700 no-fee ATMs across Indiana and Michigan | Access to 16,000+ ATMs nationwide |
| Cash Back Rewards | Earn 0.5% cash back on non-PIN debit card purchases | None |
| Loan Discounts | Save 0.25% on most loans and $100 discount off mortgage origination fees² | None |
| Savings Features | Round-up feature transfers to savings automatically | Basic savings options available, no automatic round-up |
| Foreign Transaction Fees | One foreign ATM fee waived per month | $5 fee per ATM withdrawal, plus any fees charged by ATM owners |
| Monthly Fee | $0 No balance requirement. The two easy-to-meet requirements are signing up for e-statements and completing at least 15 Everwise debit card non-ATM transactions; otherwise, $10³ |
$12 monthly fee Waived with a $500 direct deposit, or $1,500 daily balance. |
Is your checking account working for you?
When you choose the right checking account with the best built-in benefits, you can manage your money more effectively, grow your savings, and be closer to achieving your personal financial goals. Take our short quiz to see how your current checking account stacks up to the Ultimate Checking account.
Ultimate Checking vs. Chase Total Checking® Account
Let’s do a quick run-through between Everwise’s Ultimate Checking account and the competitor’s checking account to see how they stack up.
| APY (Interest Rate) |
Earn up to 3.00% APY* when you enroll in eStatements and use your debit card for 15 non-PIN transactions
|
|---|---|
| Bonus Offer |
$200 bonus for opening a new account and meeting activity requirements
|
| ATM Access |
Access to more than 30,000+ reduced fee ATMs nationwide and over 700 no-fee ATMs across Indiana and Michigan
|
| Cash Back Rewards |
Earn 0.5% cash back on non-PIN debit card purchases
|
| Loan Discounts |
Save 0.25% on most loans and $100 discount off mortgage origination fees**
|
| Savings Features |
Round-up feature transfers to savings automatically
|
| Foreign Transaction Fees |
One foreign ATM fee waived per month
|
| Monthly Fee |
$0
No balance requirement. The two easy-to-meet requirements are signing up for e-statements and completing at least 15 Everwise debit card non-ATM transactions; otherwise, $10*** |
| APY (Interest Rate) |
None
|
|---|---|
| Bonus Offer |
$300 bonus for opening a new account and meeting deposit requirements
|
| ATM Access |
Access to 16,000+ ATMs nationwide
|
| Cash Back Rewards |
None
|
| Loan Discounts |
None
|
| Savings Features |
Basic savings options available, no automatic round-up
|
| Foreign Transaction Fees |
$5 fee per ATM withdrawal, plus any fees charged by ATM owners
|
| Monthly Fee |
$12 monthly fee
Waived with a $500 direct deposit, or $1,500 daily balance. |
Both accounts come with additional important features including 24/7 online and mobile banking, and fraud protection.
It's easy to see that Everwise’s Ultimate Checking truly earns its name. Get rewarded with a generous 3.00% APY*, plus minimal account requirements to waive monthly fees, and perks like loan discounts and cash back on purchases. The competitor’s checking account falls short with no interest earnings or cash back rewards, and requires a minimum balance. The choice is clear – Ultimate checking is the ultimate account to get your money working harder for you.
Disclosure
Information accurate as of 09/30/2024 from https://personal.chase.com/personal/checking. Terms and conditions are subject to change without notice. This disclosure is for informational purposes only and does not constitute an endorsement or recommendation by Everwise Credit Union.
* APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice. 3.00% APY on balances up to $10,000 as of the last dividend declaration.
¹ $200 Checking Bonus offer effective 07/26/2024. Limited time only and subject to termination without notice. A) Open an eligible account using or mentioning promo code JOIN200. B) Have Direct Deposit(s) of $500 or more directly deposited to your new checking account for a minimum of 3 consecutive months, with the first direct deposit within 60 days of opening the checking account. When all requirements are met the $200 bonus will be credited to the new checking account on or before the close of the next full statement. Bonus applies to new memberships. Limit of one new checking account bonus per membership. Eligible Accounts: Performance, Advantage, Ultimate and World checking accounts. The $200 bonus will be credited to the checking account on or before the close of the first full statement cycle after meeting requirements. You may receive an IRS tax form 1099-INT for the cash incentive.
² A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, student loan and commercial loans).
³ A monthly account fee of $10 will be charged. This fee is waived if during the statement cycle you are enrolled in eStatements and complete at least 15 Everwise debit card non-ATM transactions each equaling $5 or more on this account between the 21st day of the prior statement month and the 20th day of the current statement month. If the requirements to avoid the monthly account fee are not met no dividends will be paid.
Information accurate as of 09/30/2024 from https://personal.chase.com/personal/checking. Terms and conditions are subject to change without notice. This disclosure is for informational purposes only and does not constitute an endorsement or recommendation by Everwise Credit Union.
* APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice. 3.00% APY on balances up to $10,000 as of the last dividend declaration.
¹ $200 Checking Bonus offer effective 07/26/2024. Limited time only and subject to termination without notice. A) Open an eligible account using or mentioning promo code JOIN200. B) Have Direct Deposit(s) of $500 or more directly deposited to your new checking account for a minimum of 3 consecutive months, with the first direct deposit within 60 days of opening the checking account. When all requirements are met the $200 bonus will be credited to the new checking account on or before the close of the next full statement. Bonus applies to new memberships. Limit of one new checking account bonus per membership. Eligible Accounts: Performance, Advantage, Ultimate and World checking accounts. The $200 bonus will be credited to the checking account on or before the close of the first full statement cycle after meeting requirements. You may receive an IRS tax form 1099-INT for the cash incentive.
² A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, student loan and commercial loans).
³ A monthly account fee of $10 will be charged. This fee is waived if during the statement cycle you are enrolled in eStatements and complete at least 15 Everwise debit card non-ATM transactions each equaling $5 or more on this account between the 21st day of the prior statement month and the 20th day of the current statement month. If the requirements to avoid the monthly account fee are not met no dividends will be paid.