Chase Total Checking

Are you interested in a thorough review of Chase Total Checking? At Responsible Economy, we’ve conducted an in-depth analysis of its features, including fees, interest rates, welcome bonuses, requirements, and everything you need to know. Additionally, we provide a comprehensive comparison of the best checking accounts available in the United States for 2023. Welcome!

Video Chase Total Checking

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Features

Chase Total Checking is the most popular account among Chase customers. It is highly preferred due to its easy-to-meet requirements and zero account maintenance fees.

Fees

In the event of not meeting the requirements, a monthly fee of $12 (equivalent to $144 per year) applies. However, meeting the requirements is remarkably simple. If you meet any of the following three conditions, you won’t have to pay any fees:

  • Electronic deposits totaling $500 or more into the account.
  • A checking account balance of over $1,500.
  • A combined balance of $5,000 across all Chase accounts.

Minimum deposit

There is no minimum deposit required to open the account.

Cash withdrawals at ATMs

You can withdraw money from Chase ATMs without any fees. However, using non-Chase ATMs incurs a $3 fee for each cash withdrawal.

Zelle

Chase Total Checking allows you to conveniently send and receive money using Zelle.

Chase overdraft assist

You won’t be charged an overdraft fee if your account is overdrawn by $50 or less at the end of the business day. If your account balance remains overdrawn by more than $50, bringing it back to $50 or less by the end of the next business day will also waive overdraft fees.

Early direct deposit

With direct deposit, you can receive your money up to two business days earlier.

Bonus

Chase Total Checking offers a generous welcome bonus of $200. To qualify, make a direct deposit into your account within 90 days of coupon enrollment. Your direct deposit must 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®) do not qualify as direct deposits.

Requirements

To open a Chase Total Checking account, you must meet the following requirements:

  • Reside in the United States and provide proof of your address.
  • Have a Social Security number.
  • Possess a US phone number.

Fees

As mentioned before, the monthly fee is $12 unless you meet one of the following conditions:

  • Electronic deposits made into this account totaling $500 or more.
  • Maintain a checking account balance of over $1,500.
  • Maintain a combined balance of $5,000 across all Chase accounts.

We also provide a list of other potential fees:

  • Wire transfers: $15 for incoming transfers and $25 for outgoing transfers.
  • Overdraft: $34 Insufficient Funds Fee per transaction, with a maximum of 3 fees per business day (up to $102).
Fees Chase Total Checking
Fees Chase Total Checking

Pros

We have made a list with all the advantages that the Chase account has:

  • Wide availability of offices and branches throughout the United States.
  • 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 on the checking account.
  • Monthly fees if requirements are not met.

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 compiled a table highlighting the differences between the various checking accounts offered by Chase:

Chase Total CheckingChase Secure BankingChase Premier Plus Checking
12$* (fulfilling conditions 0$)4,95$25$* (fulfilling conditions 0$)
Easy to avoid commissionsYou can’t avoid commissionsDifficult to avoid commissions
Zelle serviceZelle serviceZelle service
Overdraft assistNo Overdraft assistOverdraft assist
Fees cashier checksFees cashier checksNo fees cashier checks
Fees at non-Chase ATMsFees at non-Chase ATMs4 free withdrawals
Chase fees for checks
No service Chase for checks
No Chase fees for checks
Differences between Chase checking accounts

Comparison of checking accounts in 2023

We have made a chart with the best checking accounts that you can open in the United States:

Logo Chase
  • 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
Bank of America logo
  • 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
Wells Fargo logo
  • 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
Logo Sofi
  • No fees and no requirements
  • Nearly 60,000 ATMs
  • Welcome bonus of 250 dollars fulfilling conditions
  • High interest rates on CDs
Charles-Schwab-Logo
  • No fees no direct deposits
  • Fee-free withdrawals from ATMs around the world
  • Without minimum deposit
  • No welcome bonus
  • High interest rates on CDs
Chime checking account Logo
  • No fees no direct deposits
  • More than 60,000 commission-free ATMs
  • Without minimum deposit
  • No welcome bonus
  • High interest rates on Savings
Ally logo
  • 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
Citibank-logo
  • 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

Video Chase Checking accounts

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:

InformaciónDescription
Web pagehttps://www.chase.com/
Facebookhttps://www.facebook.com/chase
Twitterhttps://twitter.com/Chase
Number of telephone1-800-935-9935
Information about Chase

Other Chase products

Here you have a list with products by Chase:

Conclusions

After conducting a thorough analysis, we can confidently state that Chase Total Checking is an excellent bank account. It offers easy-to-meet requirements to avoid fees, a widespread branch and ATM network, and a generous $200 welcome bonus. The only drawback is the relatively low interest rates on the checking account.

Related content

Finally, you have articles related to bank accounts:

Updated the day 1 September, 2023 by Alfredo Barandiarán

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