Chase Total Checking Reviews

Chase Total Checking

Offered by: Chase

3.8 340 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.

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 None
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

There is no fee for an Overdraft Protection transfer; however, a $5 SAVINGS WITHDRAWAL LIMIT FEE, which is a Chase fee, applies for each withdrawal or transfer out of a Chase savings account over six per monthly statement period.
Access to Chase DepositFriendly ATMs.
FREE Access to 16,000 ATMs and 5,000 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.

Does Chase charge you $34 everyday for an overdraft? Or every month? Reply 5 1

WalletHub

Jan 8, 2016 · @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.

5 1

View more answers

5 Upvotes

What do you need to open an account? Reply 9 4

WalletHub

Feb 2, 2016 · @WalletHub

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

9 Upvotes

What are the interest rates for Chase Checking accounts? Reply 9 8

9 Upvotes

What is "linked deposit or investments"? Reply 8 17

WalletHub

Sep 1, 2016 · @WalletHub

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

8 Upvotes

What is the minimum deposit to open an account? Reply 8 8

WalletHub

Jun 12, 2016 · @WalletHub

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

8 Upvotes

How much does Chase charge for checks? Reply 8 3

WalletHub

Jun 12, 2016 · @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.

8 Upvotes

How much can I overdraft? Reply 6 6

WalletHub

Nov 6, 2015 · @WalletHub

With Chase Debit Card coverage, Chase will charge an Insufficient Funds Fee of $34 each time they have to pay an overdraft created by a transaction. There is no mention of a maximum overdraft amount.

3 3

6 Upvotes

Can I withdraw cash at an ATM if I have debit card overdraft? Reply 4 4

WalletHub

Feb 1, 2016 · @WalletHub

Please refer to customer service at 1-800-935-9935 for your particular situation.

4 Upvotes

I have a savings account with $10,000 in it. Does this account help me avoid the monthly fee for my checking account? Reply 4 8

WalletHub

Sep 1, 2016 · @WalletHub

Yes, that sum will help you avoid the fee for your Chase Total checking account. Please find more details here: https://www.chase.com/checking/total-checking.

View more answers

4 Upvotes

I used to have an open account with chase. It closed, what do i need to open it again? Reply 3 3

WalletHub

Feb 2, 2016 · @WalletHub

First you need to pay whatever outstanding balance you may have. For more information, please call the bank’s customer service at 1-800-935-9935.

3 Upvotes

Chase Total Checking Reviews

Help fellow WalletHub members save money. Share your insights and review the Chase Total Checking:

3.8

Overall Rating: 3.8 / 5

Total Ratings: 340

5 star 111
4 star 115
3 star 71
2 star 25
1 star 18

Sort by:

YesUsefulNo0

By: cellooch15

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 · Flag

Chase Total Checking

Chase Total Checking Rates

Chase Total Checking Fees

Chase Total Checking ATM & Debit Card Usage

Chase Total Checking Additional Info

Chase Total Checking Interest Rate Tracker

Customer Questions and Answers

Chase Total Checking Reviews

Join WalletHub