Chase Total Checking

Chase Total Checking  
Offered by: Chase
3.8 346 reviews   Write a Review!
1 2 3 4 5 Your Rating: Excellent
Info about the Chase Total Checking has been collected by WalletHub to help consumers better compare checking accounts. The financial institution did not provide the details.
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Chase Total Checking Rates

Range
$1+
Interest Rate
0%
APY
0%
  • MINIMUM TO OPEN None

Chase Total Checking Fees

  • MONTHLY FEE $12
  • MIN BALANCE TO AVOID MONTHLY FEE $1500
  • OTHER WAYS TO AVOID MONTHLY FEE Direct Deposits totaling $500 or more made to this account OR an average daily balance of $5,000 or more in any combination of qualifying linked deposits/investments
  • PAPER STATEMENT
    FEE
    Info Not Found
  • OVERDRAFT FEE $34
  • NEGATIVE ACCOUNT BALANCE FEE Info Not Found

Chase Total Checking ATM & Debit Card Usage

  • IN-NETWORK ATM TRANSACTION FEE None
  • ATM NETWORK SIZE 16000 ATMs
  • OUT-OF-NETWORK ATM TRANSACTION FEE $2.50
  • REBATE OF ATM OWNER SURCHARGE Not Offered
  • FOREIGN ATM FEE 3% (and $5)
  • DEBIT CARD VISA
  • DEBIT CARD FOREIGN TRANSACTION FEE 3%

Chase Total Checking Additional Info

  • REWARDS No
  • ONLINE BILL PAY FEE $0 per month
  • ADDITIONAL REQUIREMENTS None
  • Get $225 when you open a new Chase Total Checking® account and set up direct deposit. Open an account by 10/18/2021
  • To receive the $225 checking 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 account opening
  • Access to 16,000 ATMs and nearly 4,700 branches

Chase Total Checking Interest Rate Tracker

The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Chase Total Checking to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

140

Ask

Does Chase charge you $34 everyday for an overdraft? Or every month? Reply 62

Photo of WalletHub
WalletHub
@WalletHub

Chase will charge you a fee of $34 each time you overdraw your account by more than $5. And once your account is overdrawn by that much, making additional purchases will result in more overdraft fees: $34 each time, no matter how small the transaction is. You can be charged a maximum of 3 Chase overdraft fees per day. But those fees will be refunded if your account balance is overdrawn by $5 or less at the end of the business day on which the overdraft occurs.
However, if your account is overdrawn for 5 consecutive business days, even by $5 or less, a $15 “extended overdraft fee” will be assessed.

For more information, including how to avoid fees, check out WalletHub’s article on overdraft protection.

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6 Upvotes

How much can I overdraw from my account and can I overdraw from an ATM? I do have direct deposit. Reply 1714

Photo of WalletHub
WalletHub
@WalletHub

You can overdraw from an ATM, but the bank pays overdrafts at its’ discretion. For information about the maximum amount you can overdraw, please contact customer service at 1-800-935-9935.

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17 Upvotes

Would having a Chase Sapphire reserve care eliminate the monthly service fee of $12? Reply 1422

Photo of WalletHub
WalletHub
@WalletHub

Unfortunately, having a Chase Sapphire credit card will not help you avoid the monthly service fee for the Chase Total checking account. Please visit the following link to find how you can avoid this fee: https://www.chase.com/checking/total-checking.

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14 Upvotes

What are the penalties and withdrawal fees for Chase? Reply 1019

Photo of WalletHub
WalletHub
@WalletHub

Please visit the following link to find the account’s schedule fee: https://www.chase.com/content/dam/chasecom/en/checking/documents/clear_simple_guide_total.pdf.

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10 Upvotes

How much money do I have to have in my checking account at all times? Reply 105

Photo of WalletHub
WalletHub
@WalletHub

In order to avoid the $12 monthly service fee, you must have a $1,500 minimum daily balance.

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10 Upvotes

What are the interest rates for Chase Checking accounts? Reply 99

9 Upvotes

What do you need to open an account? Reply 94

Photo of WalletHub
WalletHub
@WalletHub

You need your Social Security number, and your driver’s license or state-issued ID.

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9 Upvotes

What is "linked deposit or investments"? Reply 817

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WalletHub
@WalletHub

Those are the deposits or investments accounts linked to your checking account.

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8 Upvotes

What is the minimum deposit to open an account? Reply 89

Photo of WalletHub
WalletHub
@WalletHub

There is no minimum initial deposit needed when opening Chase Total Checking Account.

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8 Upvotes

How much does Chase charge for checks? Reply 84

Photo of WalletHub
WalletHub
@WalletHub

Unfortunately, this information is not made available on the bank’s official website. Please call customer service at 800-935-9935 for more details. You can order checks online here: https://www.chase.com/checking/checkbook-orders.

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8 Upvotes
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  • Reviews

Chase Total Checking Reviews

Help fellow WalletHub members save money. Share your insights and review the Chase Total Checking:
Your Rating:
0
1 2 3 4 5
3.8
Overall Rating: 3.8 / 5
Total Ratings: 346
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    Photo of robertwoodcock001
    YesUsefulNo0
    2

    I have a sever problem with the bank. For those that do not make a whole lot of money. The bank will make ever attempt to over draft the account! Today I woke to my account being overdraft with two monthly payments! I went back last month too see when the monthly payments are charged to my account.
    So I could switch accounts from chase to my two rideshare accounts! However, because my account hit $3 and change- they charged my account earlier than normal! Forcing my account too be over drawn! I was going to close the account this week. Ubers debt card doesn’t charge any fees what so ever nor does lyft! Nor do they wait days to process charges unlike chase. Plus the cards give money back rewards to users for using the cards at participating merchants and gas companies to their drivers. They do not charge monthly banking banking fees like chase does- $12.00 nor $34.00 for overdrafts!
    Finally, Chase will process daily income last after all charges, something ive noticed to make it difficult to track. It may take up too four days for Chase too process charges the same for direct deposit from uber or lyft!

    January 14, 2020 · Report Abuse
    Photo of cellooch15
    YesUsefulNo0
    1

    Why do I need to maintain $1,200? That's a rediculous amount! I can understand 50 but not $1,200. I've been account holder at Chase and already want to close both accounts because of it. I'm unable to keep that much in there, it's almost like you have to be rich for it to work out.

    April 5, 2018 · Report Abuse
    07/15/21
    Photo of jdubzz71
    please don't be mean to @cellooch15!
    10/17/18
    Photo of michaels_129
    do you not know how to read? total checking requires either that or $500.00 in direct deposit a month. Its your own fault if you dont read!!!
    05/22/18
    Photo of joshw_25
    Or have direct deposits totaling at least $500 a month.
    Photo of Suzanne_G
    YesUsefulNo0
    5

    I have no problems banking with Chase. They have a functional mobile app, online banking, mobile deposits, and deposit-friendly ATMs. Most importantly, Chase is found in most parts of the US, so there's not a problem when I'm traveling and need a fee-free Chase ATM.

    I have yet to understand why people provide low ratings/reviews because Chase charged them an overdraft fee. This is the norm for ALL banks in the US. This isn't anything new. Big national banks, small local banks, and credit unions all charge various fees like this. Yes these fees can seem unfair at times, but if you make the decision to use a financial institution to hold your money, then both parties (you and the bank) are expected to the follow the agreed upon terms and conditions.

    Also, just a bit of advice for the ones that do not have direct deposit and/or can't financially maintain $1500 daily balance per month to avoid Chase's $12 monthly maintenance fee, I would suggest you find a local bank or credit union that typically has a free checking account with no minimum balance. You could also try an online bank if you do not regularly deposit cash. You may lose the convenience of having a Chase ATM or branch almost on every corner, but I'm sure will save more money in the long run by getting a totally free checking with a local bank or credit union.

    Overall, I hate to see people bash Chase because they can't seem to have a handle on their finances to avoid the many fees that are disclosed in writing upon opening your account, as well as publicly posted on Chase's website. This actually goes for pretty much all banks and financial institutions. Ultimately, it's all business... And yes, I have been charged overdraft fees in the past, and I also incurred those fees due to not properly tracking my finances and spending. Not once did I blame the bank for my lack of monitoring/planning. I now am simply more responsible and monitor my finances to prevent the banks from making money off of me.

    September 17, 2016 · Report Abuse
    Photo of howard pauls
    YesUsefulNo0
    5

    I Just Received Great, Outstanding Service From Johana Gabriel!

    Back on Thursday, September 8, 2016, I was out in the Long Beach area and needed to get to a bank and luckily just by using my google app, I was able to find the closest branch to where I was which was just a few short blocks away located at: 940 Long Beach Boulevard, Long Beach, California 90813-4420 (562) 951-1315.

    I was received and greeted by Johana Gabriel who is a Qualified Personal Banker who took really good care of ME as her customer by sitting me down at her desk and taking my banking deposit as well as helping me to get verified for the United Airlines Mileage Plus Credit Card which operates under the Chase Bank and helping me to find out about getting my Credit Line Increase for the Chase Freedom Unlimited Card, including setting up my Chase Freedom Unlimited Card to be able to debit my checking account in order to pay the bill in full each and every month so that I am Never Late In Making A Payment.

    All of the work and tasks performed by Johana Gabriel were done with patience, kindness, diligence, respect and I was Not Feeling Rushed, nor Pressured as well.

    I more than Highly Recommend Johana Gabriel to anyone seeking out Only The Best In Chase Banking Services.

    Thank you very much Johana Gabriel for your time that You had spent with me on that day!

    Sincerely yours,

    Howard Paul Shore
    Loyal Chase Bank Customer For Over 10 Years

    /HPS

    September 9, 2016 · Report Abuse
    Photo of fshs1959
    YesUsefulNo0
    1

    Chase Bank does not accept CASH. I went to deposit cash into my sons account. Since I do not have an account- they would not accept CASH.. It was only 2000.00 Not like I was depositing 10 grand or something.
    I will never use Chase. I think it means Chase away potential customers.

    January 1, 2016 · Report Abuse
    Photo of lisanyangau
    YesUsefulNo0
    4

    Been banking with chase for over 5+ years and I absolutely LOVE IT. I first had chase as a highschool freshman and still have it as a college student. their customer service is quick and incredible and NO monthly fees for college students. chase online is quick and simple and chase QuickPay allows money to transfer immediately.4 stars because chase is not in the state I stay in for school.

    October 20, 2015 · Report Abuse
    12/18/15
    Photo of Angelinamicon
    Do you Need a loan? If yes search no further for here comes a reliable lender who helped me with a loan when i had nothing. You can reach them at [email protected]
    Photo of jon
    YesUsefulNo0
    3
    By:

    ATM fees are large, and overdraft fees hit immediately, even when there's pending deposits. Unless you go in person, deposits also take a long time to clear.

    However, Chase has pretty good customer service, and the people have been pretty nice. No major complaints on that front. Also, they have excellent electronic service for transferring money between accounts, even between accounts at different banks and/or between different people.

    October 20, 2015 · Report Abuse
    Photo of moneymike
    YesUsefulNo0
    5

    My experience with Chase bank has been great. I have both checking and savings accounts with them. I like that they do not charge a fee for transferring money to an external bank account and the representatives at my local Chase branch were very kind and helpful.I recommend chase bank for who ever is looking for a good bank.

    October 9, 2015 · Report Abuse
    Photo of art
    YesUsefulNo0
    3
    By:

    Customer service was terrible when I needed them. They charged me for an overdraft that never happened, and I had to yell to get them to fix it. Other than that, everything else has been alright. There are many locations by me, and their card works everywhere. I am able to deposit at any time of day.

    October 2, 2015 · Report Abuse
    12/18/15
    Photo of Angelinamicon
    God bless everyone that cares to listen and take the right part in getting his or her loan and not fall victim. why am i saying this, i am saying all this because there are many testimonies on the internet which are either true or false but i tell you today, after all i have passed through in the hands of scams i will not fail to announce this God fearing lender who helped me show more
    Photo of taylor
    YesUsefulNo0
    3

    So despite it being a "no fee" account, if you don't maintain a minimum balance in the account (or a larger balance across all Chase accounts) you are charged a $12 monthly fee. Furthermore, if your account is overdrawn you're charged a fee after three days. There are so many hidden fees with this account I feel like it's almost not worth the "benefit" of the so-called revolutionary mobile banking system upon which Chase prides itself. The transactions are never up-to-date, which means you could go into the negative without ever knowing it and then charged fees! What's more, the email alerts are sent days after the actual event about which you are being alerted occurs!

    September 4, 2015 · Report Abuse
    Photo of kaileyt
    YesUsefulNo0
    5

    I opened a chase checking account about 3 months ago, and I have had the greatest experience so far. I received a $200 bonus for setting up my direct deposits with them. Their online banking is far superior to any other bank I've ever experienced, and love how important good customer service is to them. I haven't ever tried calling in to Chase banks, but so far, the service I have received has been excellent from them.

    August 4, 2015 · Report Abuse
    Photo of Brando348
    YesUsefulNo0
    5

    I have been with Chase for many years, even when they were known as Washington Mutual. They are a bank that always takes care of their customers no matter what. I recently made a mistake and was hit with some overdraft fees. I called their customer service phone number and they immediately reversed all my fees, no questions asked. Every time I go into the branch, the employees there are very helpful as well. I also like the fact that you can have a free checking account with them as long as you have direct deposit going in. Most other banks charge a lot of money on a monthly basis for an account, so this is very refreshing.

    July 28, 2015 · Report Abuse
    Photo of shalau26
    YesUsefulNo0
    3

    Although Chase is an okay back, one of my current issues is their overdraft fees and the scarcity to find a Chase back when traveling within the Atlanta Georgia area. There are many Chase users and when visiting a city like Atlanta you want to have the convenience of being able to access your checking account anywhere and at ease.

    July 16, 2015 · Report Abuse
    Photo of jaxy82
    YesUsefulNo0
    2

    I have been with Chase since before it was even Chase, and I prefer their old checking account options. In general, I like that it is easy to find an ATM and that you can order checks for free. However, I do not like that there is a monthly fee to have a checking account; their old ones were free, and I think it is kind of shady to change the terms and tack a fee on. I also see that Chase offers a monetary incentive to people to open this type of checking account, but offers nothing to current customers who got switched. I am not a fan.

    July 6, 2015 · Report Abuse
    Photo of clintd1
    YesUsefulNo0
    3

    Chase is a huge bank and you can find an ATM for them almost anywhere. Thats pretty much the only thing that made having them convenient. They charge you for whatever they can and have a monthly fee on their checking account. Their interest rates for loans are not great. When I went to close my account and tell them I was moving to a credit union they tried to talk me out of it and told me they only had low loan rates because they were desperate for customers and I should leave my money in their bank because it would be safer. Overall Chase is a decent bank but their services are quickly overshadowed by their ridiculous fees and the incentives to go with an online bank or a credit union are very enticing. If they want to compete they are going to have to do better.

    June 3, 2015 · Report Abuse
    Photo of LindsayM
    YesUsefulNo0
    4

    My checking account at Chase is pretty simple and easy to pay through and check on. I am able to quickly pay friends via email, even friends that don't have account at chase so it makes splitting the bills with my roommates pretty convenient. I also pay my rent and credit cards through one portal they have for all my accounts with them online so overall it's a one step process for most of my transactions. They also let you set up an option of a low balance alert and an alert for when you spend over a certain amount that you decide on.

    June 1, 2015 · Report Abuse
    Photo of BAinOrangeCo
    YesUsefulNo0
    4

    I have had a checking account for about 3 years now. I like it, good customer serice when I opened the account. However, very few human terminals, most are computerized self help terminals. If I go into a branch, I like having a person to see. There are ways to reduce fees with direct. I suggest talking to your banker to get your fees reduced if your fees are hiking up.

    June 1, 2015 · Report Abuse
    Photo of franconation
    YesUsefulNo0
    5

    I signed up for the Chase Total Checking account back in October when I moved to Texas for job-related purposes. I really wasn’t sure which bank to open an account with, but I received a promotional coupon from Chase in the mail just a few weeks after settling in Texas. Chase was offering a $125 credit for opening a Total Checking account. The coupon was very detailed in describing the terms of the credit agreement. Additionally, Chase was very clear about the requirements of the checking account, such as keep a monthly minimum of $1500 in the account, or having at least $500 direct deposited in the checking account to avoid the $12 monthly service fee. I have been very pleased with my decision of opening up the Chase Total Checking account.

    May 26, 2015 · Report Abuse
    Photo of faith_rossworn
    YesUsefulNo0
    5

    I have been very happy with my Chase checking account. I started out as a Washington Mutual customer, so I was a little nervous when Chase took over. But, I am pleased to say that Chase has been great. Their customer service is always friendly and they seem to go out of their way to help you. Their branch locations are very convenient and their terms and conditions are very straightforward.

    May 22, 2015 · Report Abuse
    Photo of emeryisabelle
    YesUsefulNo0
    3

    I have had my Chase checking account for a few years and have been pretty satisfied overall with it. The best thing about it is that it is always easy to find a Chase ATM location nearby and the people who work there are friendly and helpful. However, one of the major drawbacks of this account is the heavy fee they charge you if you do not meet their monthly requirements for an account balance. This was difficult for me when I was in college because money was tight and I did not have a job giving me direct deposits so that I could get around Chase's monthly balance requirement. I think the fee is expensive and ridiculous because they are essentially charging you to use your own money. So if you are low on cash, or in college, or do not have a job with direct deposit, then be vary wary about the extra fees that Chase can add on by you having a checking account. This is the biggest problem i have had with this account, but overall it is a decent beginner's checking account.

    May 20, 2015 · Report Abuse
    Photo of agl1322
    YesUsefulNo0
    4

    I recently signed up for this checking account and have been using it for about two months now. Other members of my family use this account and they all recommended this bank and checking account for me. Now, I can see why. This account is laid out very straightforward and doesn't come with any surprises. I have had no issues so far. The customer service is great, the various fees are average compared to others, but most importantly you get what you see. No hidden fees just a pure checking account. Just what I needed.

    May 20, 2015 · Report Abuse
    Photo of alyssasmommy2007
    YesUsefulNo0
    4

    I left Chase after 4 years as a customer. I really like how convenient the branches are. It seems that no matter where you are, there is a branch nearby. I also like the amount of services that the bank provides. Many places give discounts if you are a Chase member. I ultimately left because of poor customer service on a local level, however. The bank can be great, but if the people working there are awful it doesn't really do me a lot of good. We had issues with our debit card being used fraudulently online. It took ages to get the money back, and we had to jump through a lot of hoops. I understand the procedure, but the branch manager and tellers were all very rude during the whole process.

    May 18, 2015 · Report Abuse
    Photo of daniellee1
    YesUsefulNo0
    4

    Chase has been my bank for over 10 years. I left BofA to be with Chase. When I first joined them, my checking account was free. About 4 years ago, they went to a monthly $10 fee. if you don't use direct deposit or if you can't maintain an average $1500 monthly balance. Unfortunately, we can't do either, so for the past few years we've been paying this fee. Once again, the little guy gets the short end.

    Overall, with the exception of the monthly fee, they have been a reasonable bank. We don't overdraw, so we haven't had the problem of paying expensive fees for overdrafts. Their branches are in abundance where we live, so that has been convenient as well. There customer service in branch is second to none. If online banks were not available, I would be content with Chase.

    The App works great most of the time. It has been a great convenience to be able to deposit checks from my phone.

    May 15, 2015 · Report Abuse
    Photo of kylethexian
    YesUsefulNo0
    5

    I very much like my checking account with Chase. They have always been great when it comes to customer support. My account is easy to manage

    I originally banked with Washington Mutual until they were bought by Chase. They have always been super helpful when I’ve called Customer Support or gone into my local branch. They are good about sending my checks, I bank online and it is easy to use. They have even helped me when I had a mistaken over-draft and refunded my money. I would wholeheartedly recommend Chase to anyone for their banking needs.

    May 15, 2015 · Report Abuse
    Photo of SarahJane
    YesUsefulNo0
    5

    Chase has been a very easy to use bank. There are locations all over the place and are easy to access. The Chase Total Checking account has also been easy to use. The fees are $12.00 a month. However, those fees disappear if you have direct deposits that amount to at least $500.00 a month. When I opened my account the banker was friendly and understanding of my needs. In addition, when there was an issue with the account Chase was quick to respond to my concerns and corrected the issue.

    May 8, 2015 · Report Abuse
    Photo of SSRodriguez15
    YesUsefulNo0
    5

    I love, love, love Chase's total checking account!!! It's super easy to sign up and set-up!!! I received pleasant, cheerful, expert help from my Chase banker. She carefully guided me through the process. She treated me fairly, and with kindness and respect. She started to build a relationship with me by asking about my children. And, that encouraged me to ask about her life and she readily shared with me. My Chase banker did excellent building a rapport with me. And, to top it off, she quickly opened my account and helped me set-up online banking. Overall, it was a wonderful experience! I love Chase!

    April 30, 2015 · Report Abuse
    Photo of asad_hasan_94
    YesUsefulNo0
    3

    It was when i went in to deposit a check. I was heading towards the line and just wanted to deposit my check. One of the sales representative decided to help me. Surely, you know they offer you some offers they have. I always turn them down but this one i remember about being charged yearly on my account which i didn't authorized. Then later found out couple months ago about the guy who i sat with decided to sign me up without my permission. I wasn't to happy about it so i went back in and decided to get it removed. I wasn't to happy he did it.

    April 27, 2015 · Report Abuse
    Photo of austinm1
    YesUsefulNo0
    4

    I have been with Chase now for a little over a year. The only issue that I have had with them, is that sometimes their mobile banking site is down temporarily over the weekend. Granted, I don't do a whole lot of banking on the weekend, but it is necessary to view my account balances. Other than this, I have been more than pleased with this account.

    April 27, 2015 · Report Abuse
    Photo of stimpy7
    YesUsefulNo0
    4

    While overall I have no axe to grind I see a trend with computer programs in the banking industry I had a low balance and a recuring charge which I honestly forgot about no big deal it was onl 9.99 so i came up three dollars short as a few days went by i noticed it was being held in pending limbo well much to my dismay a credit was reversed on a dispute i had and moved in front of my 9.99 transaction so after 2 more days in pending limbo it hit and incured a 34 dollar fee
    Good news they reversed the charge without one question or hesitation so my advice is Never run your balance down and keep track of all your receipts cause sometimes merchants drag thair feet All in All i WOULD recommend Chase!!

    April 22, 2015 · Report Abuse
    Photo of david_harkey_5
    YesUsefulNo0
    4

    I've been banking with Chase for almost 6 years now, despite their closest branch now being two states away. Being mobile with Chase has been fine, as they have allowed remote deposits for some time, and I rarely need to use an ATM. The only issue I've had with them is when their system erroneously locked my account for potential fraud, and I couldn't get it resolved for over an hour in the store.

    April 22, 2015 · Report Abuse
    Photo of muziqilove
    YesUsefulNo0
    5

    I've been Banking with Chase and using their checking account system for about 5 years now and I'm so happy I switched from Wells Fargo; I absolutely love banking with Chase. It was supper easy setting up my checking account; their customer service in my opinion has always been exceptional, their always so attentive. I never felt they were hiding any hidden fees or misrepresent themselves or what I was signing up for. Chase has tons of option, if your a college student, a business owner or just a regular old banker like myself. They also have different incentive depending on your monthly bank total amount. Chase has a excellent security fraud system; as soon as there seems to be any unusual activity on your account they quickly send you a text or email, depending on the option you opt for, notifying you and letting you know there has been some suspicious activity on your checking account. You can also opt for the overdraft fee protection, which come's in handy..being that Im traveling around Asia at the moment and with all the different exchange rates, it can get confusing so sometimes I may go a bit over but with the over draft fee protection that keep me on track. Speaking of over draft protect, with their customer loyalty the couple time's that I have gone over they have always reversed the overdraft fee , they also reverse any fee's or monies from any unauthorized payment's...And that's what I Love best about Chase is just how they treat their customer's...My mom and sisters all bank with chase and I will be with them for a long time...

    April 10, 2015 · Report Abuse
    Photo of william_lantz_12
    YesUsefulNo0
    4

    I have had my Chase Total Checking for 8 months. The $12 monthly fee is cheap. If you have direct deposit the monthly fee is waved which I like and is helpful, because I find it hard to keep the $1500 mininum balance. I like that there are no fees to pay my bills online with my checking account. The Chase branch and ATM locations are convenient.

    April 8, 2015 · Report Abuse
    Photo of winkitinks
    YesUsefulNo0
    5

    I have had this account with chase for years, but I was drawn to it because my parents have always used this Bank and loved it. I started out with this account about 5 years ago when I started with my part time job. I had to put my mother's name on my account (as was told to me by the representative) so that I could waive a lot of the fees. That was the main thing that drew me to this bank. They were willing to help me save money because with a part time job, they knew I wouldnt be earning that much. They tried to minimize all of my fees either with maintaining the account and or with other monthly fees. They have an awesome app so that Im able to check my checking account on the go and its totally secure. I have had no problems at all and I make sure to recommend this checking account to anyone.

    April 7, 2015 · Report Abuse
    Photo of roberta_wrightlantz
    YesUsefulNo0
    4

    I have had a Chase Total Checking Account for a year now, and I have had no customer service problems. It has been hard to keep the $1500 minimum in the account, but Chase is the most convenient bank to deal with. The bank and ATM locations are frequent and easy to find. Almost any town you go to has a Chase bank. And all of the personnel I have met are kind and helpful.

    March 30, 2015 · Report Abuse
    Photo of dexdiamonds
    YesUsefulNo0
    4

    I've had this account for almost 10 years. I was not always charged a fee but when you are, $12 can really sting. It's not easy to maintain over $1,500 in a checking account. With that said, living in New York City without a Chase account is just asking for a hassle in a town with so many other things to hassle you. I like the convenience of an ATM or Branch location just about everywhere so I NEVER pay ATM fees. In the time I've had this account and I actively use my debit card I have been fortunate to not have been hit with double purchases, or heavy fraud. Chase's customer service also goes above and beyond to rectify any issues I may have had. I've gotten a few Overdraft fees refunded and balance text alerts are truly life savers. I guess in regard to the high monthly fee, you get what you pay for.

    March 30, 2015 · Report Abuse
    Photo of johnlongbottom
    YesUsefulNo0
    5

    I am very happy with my Chase Total Checking account. My account manager has been very helpful since day one.

    March 27, 2015 · Report Abuse
    Photo of aschaep
    YesUsefulNo0
    3

    I recently opened this checking account with Chase as I had been dissatisfied with my previous bank. However, I cannot say my experience has been pleasant by any means. Like many have noted I did not realize you would be charged a maintenance fee for keeping the account open if you did not have a certain amount in direct deposit. I do solely freelance work and typically get paid in cash or personal checks so while I thought these deposits would count they did not and I have been charged fees just to keep the account open. At this point I feel stuck until I can find something more reasonable for someone in my situation. Also I have at times struggled to find ATM machines in easy to access locations, this is also very annoying.

    March 17, 2015 · Report Abuse
    Photo of lakeisha_morrison
    YesUsefulNo0
    2

    I had this account all 4 years of my college life. I never knew that it was charging me monthly prices just to have the account open. After the 4th year I realized how much money they were taking out each year and I could of saved it. When i signed up for the checking account they never told me about charging monthly fees. The fact that I had to have $1500 just to not get charged monthly is crazy.

    March 17, 2015 · Report Abuse
    Photo of astroglowcorona
    YesUsefulNo0
    5

    I have been using a checking account with Chase for over a year now. They are a great bank to use if you ever want a reliable checking account with little to no issues. The biggest issue i ever had there was once when i went to withdraw money, and the ATM machine gave me exactly $200 extra without deducting the charge from my account balance. It felt pretty sweet to receive extra free money, but i returned it regardless in case it was going to cost me later. Anyways, having a Chase checking account is very convenient and hassle free for the most part.

    March 17, 2015 · Report Abuse
    Photo of rruiz866
    YesUsefulNo0
    4

    I have been banking with chase for about 5-6 years now and I have never really had many issues while banking with them. The most serious issue I dealt with was back in December of last year when my debit card was stolen. Chase quickly notified me that there was unusual activity and quickly canceled the card. I received a new card that same day. All in all I would say if you live in the Chicagoland area, your best bet is to bank with Chase.

    March 9, 2015 · Report Abuse
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