Do you want to see a complete review of the Chase Total Checking? From Responsible Economy we have carried out an analysis of all the features: fees, interest rate, welcome bonus, requirements and everything you need to know. You also have a comparison of the best checking accounts you can open in the United States in 2023. Welcome!
Video Chase Total Checking
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Features
Chase Total Checking is the account that most customers open in Chase. This is because it is very easy to meet the requirements and pay absolutely nothing to have this bank account.
Fees
In the case of not meeting the requirements, you will have to pay 12 dollars a month or, what is the same, 144 dollars a year. As we said, meeting the requirements is very easy. If you meet one of these 3 requirements you will not have to pay anything:
- Electronic deposits made into this account totaling $500 or more.
- Have more than $1,500 in the checking account.
- Have $5,000 in all Chase accounts.
Minimum deposit
You do not need a minimum deposit to open the account.
Cash withdrawals at ATMs
You can withdraw money from Chase ATMs without having to pay any fees. In the rest of ATMs you will have to pay 3 dollars for each cash withdrawal.
Zelle
You can send and receive money with Zelle.
Chase overdraft assist
No overdraft 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 bring your account balance to overdrawn by $50 or less at the end of the next business day.
Early direct deposit
With direct deposit, get your money up to two business days early.
Bonus
You have a welcome bonus of $200 if you meet the following requirement: make your direct deposit 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
Requirements
The only requirements you must meet to open the Chase Total Checking are:
- Be a resident of the United States and prove the address where you live
- have social security number
- Have a US phone number
Fees
Although we have already mentioned it before, you will have to pay 12 dollars a month unless you meet one of the following conditions:
- Electronic deposits made into this account totaling $500 or more.
- Have more than $1,500 in the checking account.
- Have $5,000 in all Chase accounts.
We also show you a list of other commissions that you may incur:
- Wire transfers: $15 incoming and $25 outgoing
- Overdraft: $34 Insufficient Funds Fee per transaction. Maximum of 3 fees per business day (up to $102)

Pros
We have made a list with all the advantages that the Chase account has:
- High number of offices and branches throughout the United States
- It’s easy to avoid monthly fees
- One of the best online checking accounts in the country
- $200 Welcome Bonus
Cons
Here we show you all the disadvantages:
- Very low interest rates in the checking account
- Monthly commissions without meeting the conditions
Frequent questions
Now we are going to answer all the questions you may have about Chase Total Checking:
Differences between Chase checking accounts
We have made a table with all the differences between the checking accounts that you can open with Chase:
Chase Total Checking | Chase Secure Banking | Chase Premier Plus Checking |
---|---|---|
12$* (fulfilling conditions 0$) | 4,95$ | 25$* (fulfilling conditions 0$) |
Easy to avoid commissions | You can’t avoid commissions | Difficult to avoid commissions |
Zelle service | Zelle service | Zelle service |
Overdraft assist | No Overdraft assist | Overdraft assist |
Fees cashier checks | Fees cashier checks | No fees cashier checks |
Fees at non-Chase ATMs | Fees at non-Chase ATMs | 4 free withdrawals |
Chase fees for checks | No service Chase for checks | No Chase fees for checks |
Comparison of current accounts in 2023
We have made a chart with the best checking accounts that you can open in the United States:

- It is very easy to avoid monthly commissions
- Welcome bonus of 200 dollars fulfilling conditions
- More than 16,000 ATMs in the United States
- $25 minimum deposit
- Very low interest rates

- It is very easy to avoid monthly commissions
- More than 16,000 ATMs in the United States
- $100 minimum deposit
- No welcome bonus
- High interest rates if you have a lot of savings

- It is very easy to avoid monthly commissions
- Nearly 12,000 ATMs
- $25 minimum deposit
- Welcome bonus of 300 dollars fulfilling conditions
- High interest rates on CDs

- No fees and no requirements
- Nearly 60,000 ATMs
- Welcome bonus of 250 dollars fulfilling conditions
- High interest rates on CDs

- No fees no direct deposits
- Fee-free withdrawals from ATMs around the world
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs

- No fees no direct deposits
- More than 60,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on Savings

- No fees no direct deposits
- More than 50,000 commission-free ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs and Savings

- Commissions of $10 if you do not meet requirements
- No fees at Citibank ATMs
- Without minimum deposit
- No welcome bonus
- High interest rates on CDs
We have made a video with the main characteristics of Chase checking accounts:
Video with the best banks
Here you have a video with best checking accounts in 2023:
Learn more about Chase
We show you a table that we have made with information of interest about Chase:
Información | Description |
---|---|
Web page | https://www.chase.com/ |
https://www.facebook.com/chase | |
https://twitter.com/Chase | |
Number of telephone | 1-800-935-9935 |
Other Chase products
Here you have a list with products by Chase:
- Checking accounts: here you have all Chase checking accounts:
- Savings: Chase savings account review.
- Credit cards: all Chase credit cards.
- If you are a student here is the Chase freedom Student credit card review.
- Chase Freedom Unlimited review.
Conclusions
After all the analysis carried out, we can say that Chase Total Checking is a very good bank account because it is easy to meet the requirements for not paying commissions, it has a high number of branches and ATMs. It also has a welcome bonus of $200. The only negative aspect is that it remunerates the account with very little interest rate.
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Updated the day 12 May, 2023 by Alfredo Barandiarán
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