Chase Bank Total Checking Account

in Checking Accounts from Chase Bank · fdic

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Chase Bank Total Checking Account

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in Checking Accounts from Chase Bank · Member FDIC

SuperMoney Net Recommendation Score +82

Strongly recommended

56 users recommend

6 users are unsure

3 users don't recommend

Browse Reviews: 56 Recommendations | 3 Complaints

Highlights
Community Rating	Strongly recommended
Monthly Fee	$0 - $12
ATM Fee: Out-of-Network	$5
Minimum Balance to Avoid Monthly Fee	Starting at $1,500
APY (Annual Percentage Yield)	0%
Number of Reviews	65

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

New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
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)
0% APY. As with most checking accounts, Chase Bank Total Checking Account does not pay interest.
$0 monthly Service Charge available. This account charges a monthly service fee of up to $12, but the fee is waived if you keep a minimum balance of $1,500 or have a monthly direct deposit of $500.
No minimum initial deposit. There is no minimum balance required to open an account.
Bill pay. Pay your bills to practically anyone in the United States through Chase Bank.

Chase Bank total checking Pros & Cons

Pros

Cons

Access to 16,000 Chase ATMs and nearly 4,700 branches.
Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
Monthly service fee waived (see terms for requirements).
Generous signup bonus.
Available in 48 states.
Access to physical branches.
Free debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.

No signup bonus.
Does not earn interest
Higher than average wire transfer fees.
Monthly service charge (if minimums are not met).
Charges a higher than average fee on out-of-network ATM transactions.

Chase Bank total checking 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 offer?

Chase Bank total checking is not an interest-bearing account.

What are the account minimums for Chase Bank total checking?

Chase Bank total checking does not require a minimum initial deposit.

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

What fees does Chase Bank total checking charge?

The good news is that this account does not have a monthly Service Charge.

Chase Bank Total Checking Account Fees
Description
ATM Fee: In-Network	$0
Debit Card Replacement Fee	$5
Early Account Closure	$0
Foreign Transaction Fee (Debit Card)	3%
Monthly Fee	$0 - $12
NSF Fee	$34
Online Bill Pay Fee	$0
Overdraft Item Fee	$34
Overdraft Protection Fee (per transfer)	$34
Paper Statement Fee	$0
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

Does Chase Bank total checking charge overdraft fees?

Yes, Chase Bank total checking charges a $34 fee for every overdraft.

Chase Bank total checking offers overdraft protection at a cost of $34 per transaction.

What features and perks does Chase Bank total checking offer?

This account includes the following features:

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 Bank 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 Bank total checking allows you to manage your money online or with a mobile app. This includes depositing checks 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 Bank total checking?

The customer support email for Chase Bank total checking is customerdepartament@chase.com.

How do people rate the customer service and user experience of Chase Bank total checking?

Overall, Chase Bank total checking is strongly recommended based on community reviews that rate customer service and user experience.

Chase Bank Total Checking Account Disclosure: Bonus/Account Information: 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).

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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 Bank Total Checking Account

We're proud to serve nearly half of America’s households with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place.

Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. You’ll also be able to use our online banking, bill pay and mobile banking services, plus Chase Deposit Friendly ATMs nationwide. See our Chase Total Checking offer for new customers.