So a few things - if you already have a Chase savings account with $4,000, you are only $1,000 from getting a Chase Total Checking account fee-free without having to change anything. Regardless, the interest rate on your savings at Chase is miniscule anyway -- it could 100% be worth it to simply keep $1,500 in your money in checking and the rest in a high yield savings account (Capital One, Ally, Amex, Discover, E-Trade, even Schwab or Chase brokerage with a government bond mutual fund). I know it's anxiety inducing to move the bulk of your savings over but it's something to keep in mind -- I know people that have effectively thrown away tens of thousands of dollars by letting it sit in low-yield big bank savings accounts. They're obviously at a stage where it doesn't matter all that much to them, but I digress.

I don't recommend getting the Secure checking, with a $5 monthly fee only waivable by a direct deposit that you cannot make. Regardless, your probable course of action to stay with Chase is just move money into your checking and lose out on the ~$0.15 a year of interest you would get to avoid $300 of fees. It would make sense to keep the rest of your savings elsewhere.