Chase Private Client Program — The Benefits, Qualification Process & More (2024)

Chase Private Client is a program offered to select Chase clients who keep a substantial amount of money in Chase investment and banking accounts. It’s sort of like elite status at a bank instead of an airline.

Here is what you need to know about the benefits of being one of their Private Clients, and how to qualify.

Chase Private Client Benefits

Chase Private Client (CPC) offers products and services including banking perks, lower or no fees, mortgage benefits, and investment strategies and insights.

First, here’s an overview of what you’ll get when joining the program (including the current bonus), as well as where it’s available:

  • Enjoy a bonus when you join Chase Private Client and meet specific qualifications.
  • Available in certain states
  • Relationship-driven banking

Banking Benefits

  • You’re eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
  • Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
  • Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
  • Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
  • No ATM fees worldwide.
  • No Chase fee on incoming or outgoing wire transfers.
  • Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
  • Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.

Credit Card Benefits

  • Rushed replacement of your debit or credit card almost anywhere worldwide at no charge

Hot Tip: As a Chase Private Client, you may be able to open additional Chase credit cards (including theirbusiness cards), even if you are over the 5/24 limit.

Business Benefits

  • Personal business banking advisor
  • No fees for electronic deposits for both Platinum Business Checking and Total Business Checking accounts
  • Reduced minimum balance requirements for Platinum Business Checking accounts

Investment Benefits

  • A dedicated J.P. Morgan Private Client advisor
  • Customized financial analysis
  • Retirement advice
  • Personalized investment strategy
  • Free online stock and ETF trades withYou Invest℠ by J.P. Morgan

Home and Auto Loan Benefits

  • Discounted rate when you purchase or refinance a home with the CPC Mortgage Rate Program
  • Occasional bonus Chase Ultimate Rewards points with a new mortgage (CPC was recently offering a 75,000-point bonus with a new mortgage)
  • CPC Home Lending Team
  • Discounted rates for Home Equity Lines of Credit
  • No origination fee and $50 annual fee waiver for HELOC
  • 0.25% rate discount with Chase Car Buying Services
  • Up to 0.50% rate discount when you refinance your auto loan and have your payment automatically deducted from your personal checking account

Other Benefits

  • Invitations to local Chase Private Client events

Bottom Line: Chase Private Client offers numerous benefits including fee waivers, increased deposit and withdrawal limits, personal banking advisor, reduced fees and lower minimum balances for business checking accounts, personalized investment strategies, discounted mortgage rates, invitations to members-only events, and more!

How to Qualify for Chase Private Client

To qualify as a Chase Private Client, you need to have a daily average of $150,000 in Chase investments and accounts.

You can also gain access to Chase Private Client benefits if you share an account with an immediate family member who is a Chase Private Client. For example, if one of your parents is a Chase Private Client and you share a checking account with them, you can also receive the Private Client benefits.

There is no cost to become a Chase Private Client, but it is by invitation only. If you are interested in requesting a meeting to go over your qualifications to become a Chase Private Client, submit this form online.

Hot Tip: If you have a family member that is a Chase Private Client, you can open a joint checking account with them and you will then be eligible for CPC benefits as well.

Chase Private Client Contact Information

If you are currently a Chase Private Client, you can call1-888-994-5626 for customer service.

If you are interested in becoming a Chase Private Client, you can fill out the request form here or talk to your local Chase branch.

How to Find a Chase Branch That Offers Private Client Benefits

Not all Chase branches offer Chase Private Client services. CPC advisors are available at select Chase branches plus dedicated Chase Private Client locations.

To find a location near you, enter your zip code in the CPC Find A Branch tool.

Final Thoughts

Chase Private Client is an elite status of sorts for Chase customers who have at least $150,000 in investments and accounts at Chase. These benefits can be extended to immediate family members of CPC clients who hold a joint account with Chase.

The perks offered included fee waivers, lower minimums for some accounts, investment advisem*nt, and lower mortgage rates.

The information regarding the Chase Private Client was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.

Chase Private Client Program — The Benefits, Qualification Process & More (2024)


Chase Private Client Program — The Benefits, Qualification Process & More? ›

How to Qualify for Chase Private Client. To qualify as a Chase Private Client, you need to have a daily average of $150,000 in Chase investments and accounts. You can also gain access to Chase Private Client benefits if you share an account with an immediate family member who is a Chase Private Client.

How do you qualify for Chase private client? ›

There is a $35 Monthly Service Fee for Chase Private Client Checking OR $0 when you have at least one of the following each statement period: an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying (a) deposits / (b) investments OR, a linked Chase Platinum Business ...

What is the $2000 Chase private client offer? ›

Chase Private Client Bonus

These are the bonus tiers: Earn $1,000 when you deposit $150,000 to $249,999.99. Earn $2,000 when you deposit $250,000 to $499,999.99. Earn $3,000 when you deposit at least $500,000.

How do I get approved for Chase private client? ›

At a bare minimum, you'll need to have at least $150,000 in liquid assets for Chase Private Client. You'll need to maintain this combined minimum balance across your eligible Chase deposit and investment accounts.

Is Chase private client better than JP Morgan private client? ›

Chase Private Client is easily the top choice on our list if you want increased personal banking support but don't have more than $1 million in assets. For ultra-high-net-worth individuals, J.P. Morgan Private Bank is an excellent award-winning choice that requires you to have at least $10 million in assets.

What is the 5 24 rule for Chase private client? ›

If you've been approved for five cards in the past 24 months, you will not be approved for another Chase card thanks to the 5/24 rule. There have been reports of “Selected for you” and “Just for you” offers being exempt from the 5/24 rule.

How much does a Chase private client make? ›

Get feedback on your pay or offer

The estimated total pay range for a Private Client Banker at Chase is $98K–$151K per year, which includes base salary and additional pay. The average Private Client Banker base salary at Chase is $77K per year.

What is the $3000 bonus at Chase Bank? ›

Chase Private Client Checking℠: Up to $3,000 bonus offer

Offer: Get a $1,000, $2,000 or $3,000 bonus when you open or upgrade to a new Chase Private Client Open Checking℠ account and complete qualifying transfers within the specified time frame. Minimum deposit to qualify: $150,000.

How do you get the Chase $2000 bonus? ›

Chase offers three bonus options depending on the amount you deposit. If you deposit between $150,000 and a penny less than $250,000, you can receive a $1,000 bonus. Between $250,000 and a penny less than $500,000, you'll get a $2,000 bonus.

What does "private client" mean? ›

Private clients are individuals and families who have a significant financial portfolio and require expertise and access to investments beyond those available to the mass market.

What is the transfer limit for Chase private client? ›

How much money can I transfer? Most Chase accounts have a $25,000 per day limit. Chase Private Client and Chase Sapphire Banking limits are $100,000 per day. Keep in mind, your other bank may have a different transfer limit.

Is it hard to get approved for Chase? ›

The Chase credit card requirements for approval include a Social Security Number, a physical U.S. mailing address, enough income for monthly bill payments, and good or excellent credit score of 700+ in most cases. Applicants also need to be at least 18 years old to qualify.

What are the perks of being a Chase private client? ›

Concierge Banking

Other Chase Private Client benefits include: Higher Chase QuickDeposit℠ limits ($25,000 per day and $100,000 every 30 days) Plus, a higher daily ATM withdrawal limit (of up to $2,000) Receive a 3×5 Safe Deposit Box; 20% discount on larger boxes (subject to availability)

What is the best private client bank? ›

J.P. Morgan Private Bank is named 2024's “World's Best Private Bank” for the fifth year in a row. For its ninth annual World's Best Private Banks Awards, Global Finance Magazine ranked J.P. Morgan Private Bank* first overall.

Is private client banking worth it? ›

If you're a high-net-worth individual, choosing private banking can help you save money on loan interest rates and bank account fees, earn more on your deposit accounts, and get access to special offerings. You only pay for extra services.

What does a Chase Private Client banker do? ›

I work in the private banking team. We help manage our clients' wealth. And we do the most basic things like credit cards and helping them with their daily needs, as well as succession planning, structure, and complex lending operations.

What does a private client advisor do at Chase? ›

As a Private Client Advisor in Chase Wealth Management, you will offer comprehensive financial planning and advice to individuals and families. Your expertise will support a wide range of clients, from those just starting to save to those with significant wealth.


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