Chase Student Starter Pack

Mark Wilson66 said:There aren't any extra fees involved; everything is already bundled into the $1.75.

The Chase Mobile app barely uses up any data at all, which was actually a pretty pleasant surprise for me 👍

I have to disagree with that... I ended up losing $1.75 just like that... and honestly, I'm not about to let that happen again 😁

I noticed some discrepancies on my statement, about $0.67 here and there, and I honestly checked it at least 7 or 8 times just to be sure.

Oh, and don't forget the sales tax—well, I guess I'll just let $1.00 slide this time.

Can I just pick and choose parts of that student package—like maybe just the checking account, savings, overdraft, and online banking—while skipping the rest, or am I stuck paying the full $1.75 for everything?

In that case, you aren't looking at a $1.75 fee, it's going to be $2.75 (Chase)...

In what scenario? I mean, if I decide to "shred" their precious little "product," or maybe if I just opt for a physical terminal instead of using Chase Mobile?

It really just comes down to whether you want a bundled package where everything averages out to $1.75/month, or if you'd rather just pick and choose individual services as you go.

If you decide to grab a bundle, you aren't actually forced into setting up an automatic payment plan, and even if they hand you an American Express card right away, you can just shred it and never touch it—it's the same deal with the Chase Mobile app; you don't have to use it if you don't feel like it.

I set up my checking and savings accounts from that bundle, but I didn't get the American Express card. Now I'm a bit lost. 😁 Does this mean I'll be paying higher fees or what? Also, can I actually use that card to transfer funds from somewhere like an AlertPay account?

@Elizabeth King31 You absolutely need an American Express if you want that specific package. Perhaps you signed some fine print and completely lost your bearings? Besides, that student American Express isn't even set up for online transactions, so I highly doubt you'll be able to use it for any money transfers. Still, check directly with American Express to be sure.

http://www.chase.com/lgs.axd?t=16&id=4922
This is a portal, though I haven't filled anything out yet—just saw it online. If they didn't offer it to me, does that mean it isn't mandatory to have? Or what?

If you signed up for that specific Index bundle, then yeah, having an American Express card is basically a requirement. But there’s actually another way to handle this: you can just open a standard student checking account, which means you won't be hit with those monthly maintenance fees. Since opening and maintaining a basic account is free for everyone—whether you have a bundle or not—I suspect you don't actually have a package at all, just a regular account.
If you're dead set on getting a full service package, you’ll have to head down to a local branch to sign the paperwork. You'd need to officially opt into the bundle and fill out the forms for Chase Rewards and/or Chase Mobile since those are included. Just keep in mind that if you go that route, you'll be looking at a cost of $1.75 per month.

Casey Bennett said:If you signed up for that specific Index bundle, then yeah, having an American Express card is basically a requirement. But there’s actually another way to handle this: you can just open a standard student checking account, which means you won't be hit with those monthly maintenance fees. Since opening and maintaining a basic account is free for everyone—whether you have a bundle or not—I suspect you don't actually have a package at all, just a regular account.
If you're dead set on getting a full service package, you’ll have to head down to a local branch to sign the paperwork. You'd need to officially opt into the bundle and fill out the forms for Chase Rewards and/or Chase Mobile since those are included. Just keep in mind that if you go that route, you'll be looking at a cost of $1.75 per month.

What are the requirements to get an American Express card?

If you're a full-time student with an overdraft protection limit set up on your Chase checking account.

Quick question 🙂
What happens if I finally decide to pick up something on an installment plan with my American Express? How does the process actually work? Will they be mailing physical bills to my house, or can I just set up an automatic transfer from my checking account? I'm asking because I won't be around, and I'd rather avoid the headache of dealing with paper statements while I'm away 🙂

On your birthday, the bank just pulls the payment straight from your checking account. You don't have to lift a finger—just make sure there's enough cash sitting in there. Also, if you want to skip the junk mail, you can just switch to paperless billing online. 🙂

Does anyone happen to know if it’s actually possible to switch my student account fee over to my checking account—like, can they just pull it from my checking instead of my savings?
I don't even touch my savings account, really, and since I have that $333 overdraft limit, I ended up accidentally dipping into those miserable few extra bucks of negative balance for no reason at all... -.-

Up until now, they were always taking the fees out of my checking, so I honestly don't get why they suddenly switched it over to my savings all of a sudden....

It won't work like that, it just automatically pulls from your checking account.

Maybe try to move some cash over to checking here and there.
At least you have online banking, so it shouldn't be a huge deal 😉

So, I’ve got this student package set up and I have a couple of things I'm wondering about.

Do I actually need to manually send money over to that American Express card at the end of the month, or is it going to just pull automatically from my checking account? I noticed when I was looking at the American Express start card for students through JPMorgan Chase, there's an option to just pay directly from my account.

Your checking account will get hit automatically on the 9th of every month (though you’re free to toss some extra cash in whenever you want during the month).

so, zero fees and no interest when you split Amex or Maestro payments into installments (though there’s a cap at 1000 and $667)

and that overdraft up to $333 carries like an 8-9% interest rate, plus you don't even need a job to qualify?

honestly, this sounds great... I’ve got this similar student package over at JPMorgan Chase that I pay monthly for $1.75, and when I asked about an overdraft, they basically brushed me off because they said it's only for people with steady jobs or retirees... even though my parents have been sending $700 to my account every single month via auto-transfer for two years now since I started school

anyway, I'm closing this useless account at JPMorgan Chase on Monday

I have a question regarding my student American Express. If I want to pay for a bill totaling $767, can I use my Amex for that? I think they mentioned a limit of $667 at the bank, so I'm wondering what that actually applies to. If I can't cover it all at once, is there any way to pay $100 upfront and then put the remaining $667 on an installment plan with my American Express?
It's for some airline tickets... Thanks a lot!