Is Chase Total Checking® the right fit for you?
Last Updated: 03/31/2026
SuperMoney User Recommendation Score +80
Strongly recommended105 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
$400(Verified 03/17/2026)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 03/17/2026)
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Monthly Service Fee
$0 - $15(Verified 03/17/2026)
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Number of Reviews
Chase Total Checking® Review
The Chase Total Checking® is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Total Checking® is available in 48 states and Washington, DC.
Key Takeaways
- New Chase checking customers enjoy a $400 bonus when you open a Chase Total Checking® account with qualifying activities.
- No Overdraft Services fee if you're overdrawn by $50 or less at the end of the business day* *We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102)
- Enjoy $400 as a new Chase checking customer, when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
- 0% APY. As with most checking accounts, Chase Total Checking® does not pay interest.
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- $0 monthly account fees available. This account charges a monthly fee of up to $15, but the fee may be waived if you keep a minimum balance of$1,500.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Chase Bank mobile or online banking.
Chase Total Checking® Pros & Cons
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Chase Total Checking® FAQ
Are checking accounts from Chase Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #628). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Chase Total Checking® offer?
Chase Total Checking® is not an interest-bearing account.
What are the account minimums for Chase Total Checking®?
Chase Total Checking® does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $1,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Chase Total Checking® charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $15 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3 - $5 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $34 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Total Checking® charge overdraft fees?
Yes, Chase Total Checking® charges a $34 fee for every overdraft. With Chase Overdraft AssistSM, 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.What features and perks does Chase Total Checking® offer?
This account includes the following features:
- Enjoy $400 as a new Chase checking customer, when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
- Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
- Fraud monitoring - Chase Total Checking® monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Chase Total Checking® allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Chase Total Checking®?
The customer support email for Chase Total Checking® is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Total Checking®?
Overall, Chase Total Checking® is strongly recommended based on community reviews that rate customer service and user experience.
Chase Total Checking® Disclosure: Bonus/Account Information:
1. Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
2. With Chase Overdraft AssistSM, we won’t charge an Insufficient Funds 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Chase Total Checking®
Promotional Offers
Get up to $400!
Enjoy a $400 bonus when you open a Chase Total Checking® account with qualifying activities. See terms.
Visit SiteHours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Bonus Offer
$125
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
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Monthly Service Fee
$0
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Bonus Offer
Up to $3K
Cashback Rewards
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APY (Annual Percentage Yield)
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Monthly Service Fee
$0 - $4.95
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Bonus Offer
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01%
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Chase Total Checking® Community Reviews
Would you recommend Chase Total Checking® to your friends?
Lisa R.
Dec 5, 2024
May or may not recommend
I Really hope they give me the loan I really absolutely need this please
PA
Praise A.
Feb 27, 2024
May or may not recommend
As someone who has been a Chase Total Checking customer for several years, I can confidently say that my experience with the account has been overwhelmingly positive.
First and foremost, the convenience factor cannot be overstated. With Chase's extensive network of ATMs and branches, I have never had trouble accessing my funds or conducting banking transactions, whether I'm at home or traveling. The ability to deposit checks remotely via the mobile ...Show More
Boodi_ 4.
Dec 21, 2023
May or may not recommend
Chase Bank is widely recognized as one of the leading banks in the United States, known for its extensive range of financial services and strong customer satisfaction. With its vast network of branches and ATMs, Chase Bank offers convenience and accessibility to customers across the country. The bank's user-friendly online and mobile banking platforms have received positive feedback, allowing customers to conveniently manage their accounts and perform transactions. Chase Bank's ...Show More
RW
Ryan W.
Dec 19, 2023
May or may not recommend
As a Chase Total Checking account holder, I've been consistently impressed with their banking services. The highlight for me is undoubtedly their user-friendly online banking and mobile app. These platforms are intuitive, making it incredibly easy to navigate through my account details, view statements, and carry out transactions.
Transferring money between Chase accounts is a breeze. The process is straightforward, and the transactions are completed almost instantly, which is a huge ...Show More
YA
Yesmin A.
Nov 30, 2023
May or may not recommend
Chase Total Checking offers a seamless banking experience with its user-friendly app, quick account access, and widespread ATM network. The account's low monthly fee and robust features make it an excellent choice for hassle-free and convenient banking
Syed Muhammad S.
Nov 7, 2023
May or may not recommend
Chase Total Checking offers a range of features that make it a convenient and accessible choice for individuals looking for a basic checking account. It includes online and mobile banking, access to a vast network of ATMs and branches, and the ability to deposit checks remotely using the mobile app.
YS
Yosef S.
Nov 2, 2023
May or may not recommend
Two things stand out to me as the hallmark of the Chase brand. Firstly, the amazing online interface. It is extensive and set up so well. Secondly, the mobile support is stellar. The people helping you are patient, kind, and helpful. An all-around amazing experience.
GM
Gina M.
Oct 29, 2023
May or may not recommend
I have had chase my entire life starting with a college savings account my parents set me up with. I have never had an issue and always felt like it was a great investment. The checking I currently have has a lot of benefits including the two cards I used - United and freedom. Ultimately going into chase or even talking to a rep is very seamless and they help ...Show More
HN
Haley N.
Jun 10, 2023
May or may not recommend
Chase makes it super easy to be the most effective with your finances as much as possible.
PL
Patricia L.
Apr 21, 2023
May or may not recommend
The Chase I dealt with was about five years ago. I totally love the way they treat customers. I had to cash a check that my mother had written to me. I am not a customer, but my parents were, and they treated me as though I was one of their customers.
I was a customer at one time but had to change banks to National City ...Show More
OA
Othman A.
Apr 5, 2023
May or may not recommend
I highly recommend Chase Bank for all of your banking needs. Their user-friendly online banking platform and exceptional customer service make them a top choice. Plus, their wide range of financial products and services ensures that they can meet the needs of any customer
WW
Wells W.
Mar 7, 2023
May or may not recommend
Yes and approve my account and send me the account login information
Willisirvin7@gmail.com
SD
Sarah D.
Feb 3, 2023
May or may not recommend
Chase has more checking options than many other competitors. Account opening requirements are generally low and it's relatively easy to waive the service fee on the basic accounts. But typical of big banks, interest rates are low for savings products.
AS
Anny S.
Jan 30, 2023
May or may not recommend
I strongly recommend Chase checking account, I open this one to pay all my utilities at home, and like it, because they don't have maintenance fee, and I can deposit my checks without any problem through the app.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Chase have competitive rates with cashback and their savings account. I have had reason to contact customer services on a couple of occasions and did have to wait longer than I would have liked on one, but very quick to respond to the other
SW
Sue W.
Nov 17, 2022
May or may not recommend
I have many Chase checking accounts, personal, my business and my kids. Very reliable bank and the staff at local branches are always very knowledgable, friendly and helpful.
Free L.
Nov 14, 2022
May or may not recommend
Chase have competitive rates with cashback and their savings account. I have had reason to contact customer services on a couple of occasions and did have to wait longer than I would have liked on one, but very quick to respond to the other
BL
Belinda L L.
Nov 11, 2022
May or may not recommend
Do not have approval yet. Has not asked for user name, but did require password
Will not accept gmail instead of email, even though SuperMoneycame here without issue. That's where my application stopped. I have no account or routing numbers. I need help.
D.
RG
Rachiel G.
Oct 16, 2022
May or may not recommend
Chase Bank is the best for me! Using it for several years now and I am very satisfied. It's very easy to check the mobile app for you checking balance, paying online bills and free from fees. Thumbs up for this bank.
U
Anonymous
Oct 4, 2022
May or may not recommend
A good checking account very appreciate it I promise to to be a good customer
Showing 20 of 105 reviews
