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Home › Society › Economy › Banking, Insurance & Loans › Chase Student Starter Pack

Chase Student Starter Pack

Started by Ashley Patel42 · · 👁 5 views · 464 replies

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Participants Ashley Patel42Richard Lewis16Nancy Green7Elizabeth Thomas22hollowlynx6Keith Kim43Maria Robinson6Nicholas TurnerGeorge Barrett35brisktinker17rustydriver23darkmaker94Paul Gonzalez54Brian Grant9Austin RobinsonEmily Morrisrapidskipper12briskbear47Jesse Chase32Mark Wilson66casualpanther9Ethan Taylor9lonerider53Peter Williams37 …
rustydriver23 rustydriver23 Member
11 messages
joined Oct 2010
#21 ·
Haha, yeah, I guess that actually makes sense...

I've got another question for the experts in here, if you don't mind. So, I’m thinking about grabbing that student starter package from JPMorgan Chase either tomorrow or the day after, but honestly, I’d probably only touch it if some kind of emergency popped up. Like, would I actually have to pay any fees if I just let it sit there and didn't use anything—you know, no credit card charges or dipping into an overdraft? Basically, I’d just want it as a safety net for something urgent since I'm still waiting on some cash to hit my account from other places. Also, how does all this stuff change once you aren't a student anymore?

Thanks!
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#22 ·
Neither Amex nor any overdraft fees are going to cost you a dime. Once you graduate, I assume they'll probably phase out that specific student package and the card, but I wouldn't know for sure since I'm still a student myself. 😁
rustydriver23 rustydriver23 Member
11 messages
joined Oct 2010
#23 ·
Thanks, and sorry if I'm asking any dumb questions here, but I guess I just really like being careful about this stuff 🙂
rustydriver23 rustydriver23 Member
11 messages
joined Oct 2010
#24 ·
Does anyone know how long it usually takes to actually get an American Express card in the mail? I mean, I got my checking account and my overdraft protection set up almost instantly since I already had an account open with them...
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#25 ·
Mine showed up about two weeks ago.
Brian Grant9 Brian Grant9 Newcomer
2 messages
joined Oct 2010
#26 ·
darkmaker94 said:Neither Amex nor any overdraft fees are going to cost you a dime. Once you graduate, I assume they'll probably phase out that specific student package and the card, but I wouldn't know for sure since I'm still a student myself. 😁

Nah, they won't kill it unless you ask them to. I just graduated recently and hit up my bank to see what the deal was. They told me I could keep riding the student package wave—both the checking account and the Amex—for as long as I wanted. But, if I actually bother to switch my account status, I’d get those "perks," like a higher overdraft limit, better credit options, or even a "real" Amex. To change my status, the guy mentioned I'd need to bring in proof of full-time employment or maybe some pay stubs from the last three months—or something like that. Honestly, I didn't really care about that part; I'm perfectly happy with this setup because it does exactly what I need. The only real headache is that the Amex limit is tiny, but whatever. 🙂
Austin Robinson Austin Robinson Newcomer
3 messages
joined Nov 2010
#27 ·
What are the actual online banking capabilities included in this package? Specifically, it claims I have access to JPMorgan Chase lite online banking, yet I can't manage to log in at all—how is this supposed to work?
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#28 ·
As far as I know, they phased that out a while ago—probably a year or more now. You can just set up Chase Mobile instead, which comes with a token for logging in. The fee is $2.75 a month, though you get a discount on that if you're using three or more of their services.
Austin Robinson Austin Robinson Newcomer
3 messages
joined Nov 2010
#29 ·
darkmaker94 said:As far as I know, they phased that out a while ago—probably a year or more now. You can just set up Chase Mobile instead, which comes with a token for logging in. The fee is $2.75 a month, though you get a discount on that if you're using three or more of their services.

Interesting—supposedly it's gone, yet their website still lets you attempt a login. Not to mention the teller at the branch telling me "you're eligible for JPMorgan Chase Lite banking." Please—forget about free remote banking.

Thanks for the info.
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#30 ·
It’s a bit smarter than that. 🤣
Since they don't even offer it on their own site.
Emily Morris Emily Morris Member
17 messages
joined Aug 2008
#31 ·
So, I just got rejected for a student account—specifically an American Express card—and they won't give me a single reason why. It’s not like I have any outstanding debt or anything like that. Has anyone else dealt with this kind of nonsense before?🤷
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#32 ·
Are you a full-time sophomore or junior?
Emily Morris Emily Morris Member
17 messages
joined Aug 2008
#33 ·
darkmaker94 said:Are you a full-time sophomore or junior?

Yeah, I am.
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#34 ·
Have you ever actually had an account with them before?

Super weird. Did they let you overdraw by $333 on your checking account and give you a Maestro installment plan up to $333?
Emily Morris Emily Morris Member
17 messages
joined Aug 2008
#35 ·
darkmaker94 said:Have you ever actually had an account with them before?

Super weird. Did they let you overdraw by $333 on your checking account and give you a Maestro installment plan up to $333?

I did get the Maestro card, though.😕
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#36 ·
So, did you end up opening that checking account?
Emily Morris Emily Morris Member
17 messages
joined Aug 2008
#37 ·
darkmaker94 said:So, did you end up opening that checking account?

I did.
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#38 ·
You should get a letter with your PIN in the mail, then just head over to the branch where you opened the account to pick up your card.
By the way, did they approve you for an $333 overdraft protection?
It’s honestly weird they didn't give you an American Express, since it seems like they auto-approve it for any regular student who signs up for that starter package.
Emily Morris Emily Morris Member
17 messages
joined Aug 2008
#39 ·
darkmaker94 said:You should get a letter with your PIN in the mail, then just head over to the branch where you opened the account to pick up your card.
By the way, did they approve you for an $333 overdraft protection?
It’s honestly weird they didn't give you an American Express, since it seems like they auto-approve it for any regular student who signs up for that starter package.

http://img834.imageshack.us/f/img021jz.jpg/
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#40 ·
Shrink the image.

Then you get nothing from the card, and now you can ask God why. Maybe people started running up costs without paying them off, so they tightened the rules a bit. 🤷

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