1. 应该是Total checking吧,有三种方式可以免$12月费 No Monthly Service Fee with monthly direct deposits totaling $500 or more made to this account OR with $1,500 minimum daily balance, OR with an average daily balance of $5,000 or more in linked deposits1/ investments2 2. 开chase的不影响信用分数。chase只查chexsystem的报告,但不查或只soft pull三 大家信用机构。开别的银行的不一定,有可能有hard inquiry.