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).

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 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 checking accounts in 2023

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

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:

Información	Description
Web page	https://www.chase.com/
Facebook	https://www.facebook.com/chase
Twitter	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:
  • Chase Secure Banking review.
  • Chase Premier Plus checking review.
• 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 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.

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Updated the day 1 September, 2023 by Alfredo Barandiarán