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Chase Total Checking account is best for customers looking for added incentives to sign up for a personal checking account. With a $200 sign-up bonus for new customers, and no minimum deposit requirements, Chase makes it easy for customers to manage their accounts from branches across the U.S. and provides a comprehensive online banking and mobile app service.
Summary: If you’re looking for a bank with extensive ATM and branch access for in person personalized support, Chase’s checking account could be a great fit.
Deposits & Withdrawals
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|HQ||New York, USA|
|Min. To Open||$0|
|Min. Deposit For No Fee||$1,500 daily balance|
|Paper Statement Fee||$6|
|Overdraft Fee||$34 (maximum of 3 fees per business day)*|
|ATM Fee||$0 in-network (out-of-network fees may apply)|
|State Restrictions||Branches unavailable in Alaska and Hawaii|
Chase provides you with an easy-to-use online banking and mobile app service to help you manage your account day-to-day. In addition, new customers can receive a $200 sign-up bonus and customers can have the $12 monthly fee waived by meeting certain qualifying criteria. With branches across the U.S., you can receive personalized support at a location convenient for you.
You can get started with a Chase Total Checking account in a few simple steps. You can apply online via the website, and you’ll need to provide the following information:
The application process takes a few minutes and once you’ve been approved, you can request your debit card.
It’s a good idea to be aware of what fees apply when opening a checking account. For the Total Checking account with Chase, some of these fees include:
There are no in-network ATM fees and there is no minimum deposit requirement. You’ll also have access to Chase QuickPay with Zelle to send and receive the money within the U.S.
Key features for the Chase Total Checking account include:
There are several ways you can fund and withdraw from your Chase Total Checking account. Some of the methods to fund your account include ATM deposit, wire transfer, electronic transfer, Zelle, check by mail, branch deposit, and mobile check deposit.
You can withdraw from an ATM, but you should keep in mind that there is a $2.50 ATM fee that applies to out-of-network ATMs, plus third-party fees. You can also withdraw using Zelle, ACH transfers, checks, and visiting a branch.
With Chase, you have the option to receive in-person support via a branch at any time during business hours. With branches available across the U.S. and a customer helpline, you can easily connect with Chase with any questions you might have.
You can also schedule a meeting with someone online via the website or get in touch via social media.
Chase keeps your account details secure by taking various measures to protect your information. Accounts are monitored for suspicious activity to detect fraud as early as possible. In addition, there are multiple authentication checks including a second authentication requirement sent via email, phone, or text when your device is not recognized.
Chase Total Checking could be a great option if you’re looking for an account with a sign-up bonus, multiple ways to manage your account digitally or in-branch, and no minimum deposit requirements. However, there are many fees to consider that could leave you with less money in your pocket. If you do not meet the criteria to waive the $12 monthly fee or value in-person support, you could find cheaper alternatives elsewhere.
*We won’t charge an overdraft fee if you are overdrawn $50 or less at the end of the business day. Chase may pay, for a $34 fee, overdraft transactions at our discretion based on your account history, deposits, and transaction amount. If you’ve enrolled in Debit Card Coverage, everyday debit card purchases like groceries may be approved at our discretion when you don’t have enough money in your account.