Chase Bank Total
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Would you recommend Chase Bank Total to your friends?
| Community Rating | Strongly recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0% (Verified 11/26/2022)
|
| Monthly Fee |
$0 - $12 (Verified 11/26/2022)
|
| Minimum Balance to Avoid Monthly Fee | Starting at $1,500 |
| Number of Reviews | 91 |
Chase Bank Total Review
Chase Bank Total is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase Bank Total is available in 48 states (and Washington, DC).
Key Takeaways
- New Chase checking customers enjoy a $200 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)
- Bonus offer. Open a new account and you can get $200 (see terms and conditions for more details).
- 0% APY. As with most checking accounts, Chase Bank Total 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 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 online.
- Bill pay. Pay your bills to practically anyone in the United States through Chase Bank.
Chase Bank total checking Pros & Cons
| Pros | Cons |
|---|---|
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Chase Bank total checking FAQ
Are checking accounts from Chase Bank federally insured?
Yes, your deposits 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.
| Description | |
|---|---|
| Minimum Opening Deposit | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,500 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $500 |
What fees does Chase Bank total checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 - $12 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $3 |
| Foreign Transaction Fee (Debit Card) | 3% |
| 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 |
| Paper Statement Fee | $0 |
| Online Bill Pay Fee | $0 |
| Check Cashing Fee | $0 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $0 |
Does Chase Bank total checking charge overdraft fees?
Yes, Chase Bank total checking charges a $34 fee for every overdraft. You can get 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 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.
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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
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 USA - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
View all checking accounts offered by Chase Bank
Availability
Available in 48 states and Washington, D.C.
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Minimum Opening Deposit | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $1,500 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $500 |
Chase Bank Total Community Reviews
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