Chase Total Checking® Account | Checking (2024)

Footnote1

Chase Mobile® app is available for select mobile devices. Enroll in Chase Online℠ or on the Chase Mobile® app. Message and data rates may apply.

Footnote2

New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Footnote3

Service Fee: Chase Total Checking has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network; OR, Option #2: Keep a balance at the beginning of each day of $1,500 or more in your checking account; OR, Option #3: Keep an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances. Otherwise a $12 Monthly Service Fee will apply. Product terms subject to change. For more information, please see a banker or visit chase.com/checking

Footnote4

IMPORTANT INFORMATION: With Chase Overdraft Assist℠, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET [8 PM PT] to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Footnote5

Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.

Footnote6

Account Alerts: There's no charge from Chase, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions, including recent debit card transactions or checks you have written. A qualifying Chase transfer account is required to transfer funds by text.

Footnote7

Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. Chase customers must use an eligible Chase consumer or business checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile app experience. Funds are typically made available in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® (go to https://enroll.zellepay.com/ to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase Online℠. Limitations may apply. Message and data rates may apply.

Only send money to people and businesses you trust. Neither Chase nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Footnote8

Chase QuickDeposit℠ is subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See Chase.com/QuickDeposit or the Chase Mobile® app for limitations, terms, conditions and details. Chase Mobile® app is available for select mobile devices. Chase QuickDeposit is compatible with iPhone and iPad devices with iOS 11.0 and above. For Android devices, we recommend a 4-megapixel rear-facing camera with auto focus for the best performance. Enroll on the Chase Mobile® app. Message and data rates may apply.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Equal Opportunity Lender.

Chase Total Checking® Account | Checking (2024)

FAQs

What is the minimum balance for Chase Total checking? ›

Here's a quick look at the features of Chase checking accounts: fees, minimum balance requirements and more. Monthly fee: $12; to waive, meet a minimum balance requirement of $1,500 at the beginning of each day or have at least $500 in monthly direct deposits or keep at least $5,000 across Chase accounts.

Is Chase Total checking good? ›

Bottom line: The Chase Total Checking® account is a great option for those who place a premium on customer service and easy access to their funds. It has one of the largest branch networks in the country as well as all the online and mobile tools you need to manage your funds on your own.

How do I avoid the $12 monthly service fee at Chase? ›

Chase Bank charges a $12 monthly fee on Chase Total Checking accounts. You can avoid the fee on your Chase Total Checking account if any one of the following requirements are met: Electronic payments made to your Chase Total Checking account totaling at least $500.

Does Chase have a free checking account? ›

Service Fee: Chase Secure Checking has no Monthly Service Fee when you have electronic deposits made into this account totaling $250 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, or (iii) third party ...

Does Chase give you $300 for opening an account? ›

Chase Total Checking®: $300 bonus

Offer: Get a $300 bonus when you open a new Chase Total Checking® account and complete a qualifying direct deposit. Minimum deposit to qualify: $500.

What is the minimum balance to avoid fees on Chase savings account? ›

Account details include:

$5 monthly service fee or $0 with one of the following, each monthly statement period: A balance at the beginning of each day of $300 or more in this account.

What are the disadvantages of Chase Bank? ›

A few disadvantages of Chase Bank are low interest rates and APYs, monthly service fees, and wire transfer fees on some accounts.

Do you get a debit card with Chase Total checking? ›

Choose the checking account that works best for you. See our Chase Total Checking® offer for new customers. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches.

How much can you withdraw from Chase Bank total checking? ›

What Is Chase's ATM Withdrawal Limit? Chase Bank does not publish ATM withdrawal limits on its website. Your daily withdrawal limit is provided when you receive your debit card and is typically between $500 and $3,000.

Why did Chase charge me $12? ›

Checking account fees Chase Total Checking

It has a Monthly Service Fee of $12, which can be waived by one of the following: Electronic deposits made into this account totaling $500 or more.

What bank gives you $200 to open an account? ›

The 10 best checking account bonuses for June 2024: earn up to $700
Bank & accountBonus amountTime frame for deposits
Citibank: All Citibank checking accounts$30090 days
Key Bank: Key Smart Checking$20060 days
Fifth Third Bank: Preferred Checking$20090 days
CIBC: myChoice Checking$20090 days
6 more rows

What bank doesn't charge a monthly fee? ›

The Axos Bank Rewards Checking account offers a winning combination of features. There's no monthly maintenance fee or minimum balance requirement. and the bank provides unlimited reimbursem*nts for domestic out-of-network ATM charges. Axos doesn't charge a non-sufficient funds fee either.

What is the difference between Chase checking and total checking? ›

Customers who open a Chase Total Checking account pay a lower monthly fee than on other Chase checking accounts, though with fewer benefits than the other checking account options. The monthly fee is waived when the account meets certain criteria, such as a monthly direct deposit of at least $500.

What is the $3000 bonus at Chase bank? ›

These are the bonus tiers: Earn $1,000 when you deposit $150,000 to $249,999.99. Earn $2,000 when you deposit $250,000 to $499,999.99. Earn $3,000 when you deposit at least $500,000.

Does Chase bank really give you $200? ›

One of the best perks of opening up a Chase Freedom Unlimited® credit card is the $200 cash welcome bonus, earned after spending $500 in your first three months of owning the card.

Is there a minimum balance for a checking account? ›

Some banks require you to keep a minimum balance in your checking account at all times. While there can be ways to waive them, most checking accounts charge a monthly service fee.

What is the minimum for Chase private checking? ›

Overview of Chase Personal Checking Account Offerings
Chase Total CheckingChase Private Client Checking℠
Minimum opening deposit$0None
Interest earnedNone0.01% as of 03/22/2024
Monthly service fee$12 monthly service fee; possible to waive$35 monthly service fee; possible to waive
Out-of-network ATM fee$3 to $5No Chase fee
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Apr 17, 2024

What is the difference between Chase Total checking and Secure banking? ›

Chase Secure Banking vs.

It also has Overdraft Assist — this gives you more options if you overdraw, including free overdraft protection that transfers money from your Chase Savings℠ account. Total Checking doesn't offer early direct deposit, though, and you'll pay for cashier's checks and money orders.

What is the minimum payment for Chase? ›

How Chase calculates your minimum payment. In most cases, Chase calculates your minimum payment as a flat fee of $40 or 1% of your statement balance, plus any interest and late fees since the last billing cycle — whichever is greater. If your balance is less than $40, your minimum payment is the total of your balance.

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