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Chase Bank Total Checking Account

in Checking Accounts from Chase Bank · Member FDIC

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Chase Bank Total Checking Account

Claimed Special OffersPromo Offer Available!

in Checking Accounts from Chase Bank · Member FDIC

SuperMoney Net Recommendation Score +79%

SUPERMONEY NET RECOMMENDATION SCORE

+79%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

19 users recommend
5 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Monthly Fee $0 - $12
ATM Fee: Out-of-Network $5
Minimum Balance to Avoid Monthly Fee $1,500
APY (Annual Percentage Yield) 0%
Number of Reviews 24

Chase Bank Total Checking Account Review

Chase Bank Total Checking Account is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Bank Total Checking Account is available in 48 states (and Washington, DC).

Key Takeaways
  • $200 Signup Bonus. Open a new account and you can get up to $200 (see terms and conditions for more details).
  • 0% APY. As with most checking accounts, Chase Bank Total Checking Account does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $12, but the fee is waived if you keep a minimum balance of $1500 or have a monthly direct deposit of $500.
  • Free bill pay. Pay your bills to practically anyone in the United States through Chase Bank.
  • Hard credit pull. Chase Bank may require a hard pull on your credit report to open a checking account.
Chase Bank Total Checking Account Pros & Cons
Pros Cons
  • Access to 16,000 Chase ATMs and nearly 4,900 branches.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Generous signup bonus.
  • Available in 48 states.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • Does not earn interest
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Chase Bank Total Checking Account FAQ

Are checking accounts from Chase Bank federally insured?

Yes, your Chase Bank checking accounts are insured up to $250,000 per person 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 Bank Total Checking Account offer?

Chase Bank Total Checking Account is not an interest-bearing account.

What are the account minimums for Chase Bank Total Checking Account?

Chase Bank Total Checking Account does not require a minimum initial deposit.

Chase Bank Total Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $0
Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Balance to Avoid Monthly Fee $1,500

What fees does Chase Bank Total Checking Account charge?

The good news is that this account does not have a monthly service charge.

Chase Bank Total Checking Account Fees
Description
Monthly Fee $0 - $12
Paper Statement Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $5
NSF Fee $34
Overdraft Protection Fee (per transfer) $34
Overdraft Item Fee $34
Early Account Closure $0
Returned Deposit Fee (Domestic) $12
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $30
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Outgoing) $40
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $34
Wire Transfer Fee - Domestic (Incoming) $15
ATM Reimbursement Monthly Limit N/A

What features and perks does Chase Bank Total Checking Account offer?

This account includes the following features:

  • Automatic savings - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.
  • Signup Bonus - Open an account and you will receive a signup bonus of up to $200.
  • Check images with statement - Reconciling your accounts ank complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Chase Bank Total Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Chase Bank Total Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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.

Availability

  Available in 48 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Initial Deposit $0
Minimum Balance to Avoid Monthly Fee $1,500
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Paper Statement Fee $0
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $12
NSF Fee $34
Overdraft Item Fee $34
Overdraft Protection Fee (per transfer) $34
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $34
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $40
ATM Fee: Out-of-Network $5
Bank Account Features
  • FDIC Member
  • Branch Access
  • Bauer Financial A+/A Rating
  • Automatic Savings
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • Nationwide ATM Network
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
Signup Bonus $200

Chase Bank Total Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+79%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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