Chase Safety Deposit Box Guide: (Locations, Fees, & Rules) [2020]

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. 

Safety deposit boxes can be smart ways to store some of your valuable belongings. However, they are not perfect by any means and are not designed to store all of your precious valuables. And when it comes to safety deposit boxes with Chase Bank there are some restrictions that you need to know.

In this article, I will tell you everything you need to know about Chase safety deposit boxes. I’ll cover things like the fees/prices, rules, locations, and also give you some tips on things to store and not store in your safety deposit box.

What exactly is a safety deposit box?

Just in case you need some clarification, a safety deposit box is a secure holding place where you can store certain belongings with a bank. These are typically stored in a secure area like a safe and are great for people looking for added security beyond storing something in a safe at home or resorting to things like midnight gardening. 

Common items that are stored in a safety deposit box include:

  • Important paper contracts
  • Marriage certificates
  • Birth certificates
  • Special photographs
  • Valuable jewelry (you don’t wear often)
  • Valuable collection items
  • Deeds and titles 
  • Stock and bond certificates 

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Does Chase offer safety deposit boxes?

Yes, you can lease a Chase safety deposit boxes for an annual fee. You will need to have a Chase bank account (like a checking) or be partnered with someone who does and the fee for the safety deposit box will likely be taken out of that account. If you need to search for Chase bank locations near you can do that here.

Update: Please note that this article is a review of the Chase safety deposit box policies. I am not directly affiliated with Chase and cannot respond to appointment inquiries. Do NOT post any personal information in the comments below.

If you would like to set up an appointment email: Safe.deposit.box@chase.com

Include: your full name, home zip code, branch name/address and your safe deposit box number. You will receive a confirmation email of a scheduled access appointment the following business day.

Appointments may be scheduled for Tuesdays and Thursdays 9:30-1:30PM only, on a first come first serve basis. Chase cannot accomodate same day or next day appointments.

What are the fees for Chase safety deposit boxes?

The fees for a safety deposit box with Chase are going to vary based on the location and size of your box. 

Here are some sample prices:

  • 3X5: $80
  • 3X10: $140
  • 5X10: $220
  • 10X10: $350

Prices can differ

You should note that the prices can change and once again they will differ based on your location (they could be cheaper or more expensive). It is also possible that you could get a free safety deposit box if you open up the right type of bank account. For example, Chase Private Client members get a free safety deposit box. Chase Premier Plus Checking members also get free boxes. 

You might be waitlisted

Some Chase bank locations may not have any safety deposit boxes available for you to rent. It is not uncommon for some banks to be completely booked up and so you might have to get on a waiting list. If that happens, you might want to shop around and check out a few different locations/branches to see which have available safety deposit boxes. You might also inquire with the banker to see if they can check availability for other branches if possible.

The lease time

Typically, you will probably be looking at a one-year lease time. You can terminate your lease agreement at any time but you likely will not be refunded. 

Entering into a lease agreement for a safety deposit box creates a landlord tenant relationship. This can be significant for legal purposes so I would suggest to review your contract to see what the implications of this relationship are when it comes to things like access. 

However, the lease does not create a bailor and bailee relationship between you and the Bank. This basically means that they are not responsible for anything that happens your belongings while in the possession. 

Terms may state:

You assume all risks of injury, loss or damage of any kind (including but not limited to loss or damage due to fire, water, other mishap, robbery or burglary) arising out of the deposit of anything in the box, provided we have exercised ordinary care. 

Chase safety deposit box rules

You will not be able to place any items that you wish and your safety deposit box. That is because the lease agreement will have specific exclusions for certain items. Below, I have pulled out some language from a lease agreement to give you some insight into what might be excluded. Please note that your individual lease agreement may have different language. 

Money

With Chase you are not to use the box to store money, coin or currency unless it is of a collectable nature, and you assume all risks and hold the Bank harmless of any loss or alleged loss of said money, coin or currency.

So if you collect bullion for example, those collectible coins can be allowed in the safety deposit box. But if you are just trying to find a place to store something like Silver Eagles (recognized more as a type of currency) then a safety deposit box like this is probably not a good choice. This also means that you are not to store cash in your safety deposit box. 

Dangerous items

You agree NOT to store any item that is inherently dangerous, including but not limited to:

  • Firearms, guns or ammunition
  • Other weapons even if such weapons are lawfully owned by you
  • Anything illegal to possess, or of a character or nature which we believe may injure the premises of the Bank, its employees or customers
  • Liquid, corrosive, pressurized, hazardous, or explosive materials such as dynamite, fireworks, flares, tear gas and self-defense sprays

Unlawful purpose

You will have to agree to not use your safety deposit box to store anything for an unlawful purpose. Chase can turn over any of your belongings to the government or to law-enforcement if they believe that you have violated their lease terms. 

When can I access my safety deposit box?

You will be able to access your safety deposit box during normal business hours. In some cases this may mean a typical schedule of 9 AM a.m. to 5 PM p.m. Monday through Friday. Some locations might have weekend hours but it just will depend. 

This is a big reason why they suggest not to include items that you might need in an emergency. For example, putting a passport, a power of attorney, medical directive, or something along those lines in a safety deposit box is normally not a good idea.

You should be aware that the lease agreement probably will have language that states that your access can be restricted. For example it states:

We can restrict access to your box for any reason, including but not limited to past due rent and fees, information we receive in court documents, our inability to obtain information that satisfies our “Know Your Customer” requirements, and any unexpected circumstances (natural or manmade)

You also can rent these boxes jointly so that you and someone else has equal access.

You should be able to appoint an agent (“deputy”) or Attorney in Fact (“AIF”) to have access to or surrender the box. I highly suggest that you look at the terms and conditions closely if you’re considering giving authority to someone on this basis. And it goes without saying but you obviously want to have a high level of trust with that individual.  

In order to access the safety deposit box you will need to show your ID and access it in the presence of a bank agent.

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Are my contents insured?

A big question that people have with safety deposit boxes is: Are my contents insured? When it comes to chase, at your contents inside the safety deposit box or not insured by the FDIC or Chase bank. 

They state:

The contents of your safe deposit box are not protected against loss or damage under the insurance coverage maintained by the bank or Federal Deposit Insurance Corporation. For your protection, you may wish to secure your own insurance through an insurance company of your choice.

So it would be a good idea to seek out insurance options for your belongings. Remember, a natural disaster can strike anywhere and while your belongings are pretty secure in a vault, they will not be invincible. For that reason, some people like to put their belongings in a waterproof sealed case, bag, or container and then insert that into the safety deposit box.

It is also a very good idea to thoroughly document every single item in your safety deposit box. A great way to do this is to take high-quality photos of every item.

Final word

Chase safety deposit boxes are great ways to store your valuable belongings if you are okay with some of the disadvantages. This can be a great way to go especially if you have free access to them with the right type of Chase account. 

Update: Please note that this article is a review of the chase safety deposit box policies. I am not directly affiliated with Chase and cannot respond to appointment inquiries.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

55 comments

  1. Hi—-Please schedule me a visit to your court street location to access my safe deposit box. Thanks William Mueller

  2. please notify me to set up an appointment to get access to my safe deposit box at the Brockway branch. Thanks

  3. I went to Chase today. They gave me this email address to make an appointment to access my box. There is no place to make an appointment on any of their sites. How do we make an appointment

      1. I need appointment thuersday may 6/20 deposit box. Chase branch Coney Island Ave J.
        thank you

  4. I need to make an appointment to get into my safe deposit box asap. Any day or time will be fine. Thank you.

  5. i need to make an appointment to get into my safe deposit box asap please afternoon will be better let me know?

  6. Talk about a “run around”. No one is available by phone. I sent in the form to schedule an appointment and never got a response. I need to get a title from my safety deposit box, but can’t get any help. And we wonder why people lose their faith in banks.

  7. i too have been given this info that is very misleading, perhaps we should come together on this to find a solution that is real ! i feel that this is certainly one time that we need to be able to access our assets or personal effects. I do not believe they are being honest ! I personally do not need someone holding my valuables and finance that is not trustworthy.so essentially they are treating us like we are stupid, and i do not agree with this less than professional buisiness conduct.

  8. told by chase banker at coddintown santa rosa today to contact you for appointment for a tues or thurs to get to get into my box. i need to get in there thursday . i await your reply. thanks !

  9. I understand that the branch manager will be allowing me to empty my safe deposit box today. I have not been able to confirm this. Please contact me through this address or call me. Thank you.

  10. I need to access my safe deposit box. The email address they gave me to request an appointment does not work. It is so important that I get to the box ASAP. Thanks

  11. I need appointment to get into safe deposit box.

    This does not look like an appointment website as your Chase customer service is giving out incorrect information

  12. I’ve been trying to get to my safety box as well. Emailed a week ago for an appointment after already going there and being told I have to have an appointment. Very frustrated

  13. I would like to make an appointment on Thursday, April 23, to get into my safety deposit box. I am flexible with the time. 10 o’clock or 11 o’clock sounds good. If another time is better for you I can take that time. Please let me know as soon as possible. Thank you for your prompt attention to this matter

  14. The above is not a website address its for you to send an e-mail request to set up an appointment then someone should get in touch with you to set up that appointment.
    I had the same problem and called Chase

  15. This is my 4th attempt at requesting to get into my safety deposit box. Nobody has replied to me yet.
    I need to get into my box either on the 28th or the 30th and I am requesting a reply. My branch is the Main Kent Branch located in Kent WA. 98030. My question is why are your branches giving out a site the nobody is responsible to manage???? I am still waiting for a reply…

  16. Would like appointment to go into my safe deposit box Tuesday morning at 10:00am at the San Bruno branch, ca.

  17. Hi…My safe deposit box is at the Hinsdale 400 E. Ogden Ave. branch. Please help me make an appointment asap..any time is ok……Thank you!

  18. I need to access to my safe box . It is very hard to me I found here nobody help me and bank is close

  19. I am requesting an appointment for Thursday 5/14/20 at 3:30pm at the Rohnert Park Chase on Expressway Branch.

  20. I need to get into my safety deposit box . I am an essential worker an My only day off is Monday , can u help.????

  21. To ALL who needs appointment for Chase safety deposit box,

    Upon Arriving site is not the official site of Chase for safety deposit box appointments. The real contact is- safe.deposit.box@chase.com

    I’m one of those that mistakenly used this site for appointment regarding my safety box, because when I go to search in the internet on how to set appointment with Chase, this site is what you can see.

    Please do not put your box number in “Upon Arriving” site for your security.

    I have reported this site to Chase.

    1. Please note the article states, ” I am not directly affiliated with Chase and cannot respond to appointment inquiries. Do NOT post any personal information in the comments below. If you would like to set up an appointment email: Safe.deposit.box@chase.com.”

      I’m not sure why some folks are feeling the need to “report” anything here. I’m just relaying information where they need to go and telling them to also refrain from posting personal information. I’m also actively deleting comments (over 30+) with box information.

  22. I would like to access my safe deposit box located at the Market Place location in Delray Beach, Florida. I have been told that it is accessible by appointment only. Please advise me when It will be available.

  23. Would like to enter my safe deposit box on Thurs 5/14 @ 12PM
    Location 1214 Mamaroneck Avenue White Plains NY

  24. These people suck, truly suck. they’re true colors and customer service is apparent during difficult times. No where to make an appointment for the box, its all a sham. I need to get in there today as many others do. I keep going around in circles looking for the correct site. I called the bank and after a 23 minute waiting period, same crap, go to this site (which doesn’t exist) and make an appointment. When I went earlier the guy at the door says oh yeah you can get an appointment the same day. What a load of crap. Not only that scammers have caught on and have set up bogus website asking for your account number and other personal information. I happened to look at the address and noticed something was off. Someone needs to wake the hell up at chase and get this shit sorted out.

  25. Hi, I need to make an appointment to get into my safety deposit box on 5/19/2020 at 950 River rd, Edgewater NJ 07020. Thank you!

  26. i need to make an appointment to get in my safe deposit box on may 20 2020 at chase off of 63rd between 11-1130am

  27. HI, I am Alfonso and I need your help:

    Z.C. 75231 Dallas, TX.

    I was given the following email address to set up access to my safe deposit box–chase.deposit.box@chase.com. This email address does NOT work.

  28. The note on the bank said to go to this website to set up an appointment to get to my safe deposit box! There is no place to make an appointment. My things have been locked up for 6 months now. How do I get access to my box?

    1. Hello, I am not sure why banks are directing people to this website. As far as I know, you can set up an appointment via email. Check out the email address above.

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