Chase Total Checking® review: everything you need to know
Are you ready to explore all Chase Total Checking® account offers and access over 16,000 ATMs? Read our review for a complete information!
Chase Total Checking®: The perfect account for your everyday banking needs
Are you looking for a checking account that fits your everyday needs? This Chase Total Checking® review brings a great option to consider.
With features like access to more than 16,000 ATMs and more than 4,700 branches nationwide, it’s easy to see why this account is popular. Let’s take a closer look at what makes this checking account unique.
- Fees: Monthly fee- $12 (can be waived); ATM fee: $0 ($3 to $5 out-of-network in the U.S.); Overdraft: $34 per transaction (can be waived);
- Minimum balance: No minimum balance;
- APY: Not applied;
- Credit score: Not required;
- Rewards: N/A;
- Terms apply.
Chase Total Checking®: how does it work?
Chase is known for offering checking accounts with multiple benefits to its customer. And Chase Total Checking® is a great option for those looking for convenience. Let’s have a look at its features.
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Chase Overdraft Assist℠
It is a service that can help you avoid overdraft fees on eligible transactions.
With Chase Overdraft Assist℠, you can waive the overdraft fee by $50 or less at the end of the business day.
Also, you can waive it if you’re overdrawn more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day.
More Than 16,000 ATMs and 4,700 Branches Nationwide
With this checking account, you can access your funds no matter where life takes you in the U.S. Enjoy convenient money management with over 16K ATMs and 4.7K branches nationwide.
You can also use the Chase Mobile app to manage your account, pay bills online quickly and securely transfer money from one bank account to another – all from the convenience of your mobile device.
Zero Liability Protection
Enjoy greater security and peace of mind with Zero Liability Protection.
Keep your finances safe from unauthorized debit card transactions when reported promptly, so you never have to worry about someone else using your card without permission.
Waive the monthly fee
There are three ways to waive the $12 monthly fee that Chase Total Checking® charges:
- Electronic deposits: You can use the ACH network, Real Time Payment network, or Visa®/Mastercard® third-party services to add $500+ payments from payroll providers or government benefit providers;
- Keeping a $1,500+ balance in your account at the beginning of each day;
- Combine this account with linked ones with a starting balance of $5,000 or more.
- Account Alerts;
- Temporarily lock the card in case you misplace it;
- Free credit score access;
- Online bill pay;
- Zelle: allows you to transfer money for people who don’t have Chase accounts.
Chase Total Checking®: main features
Chase Total Checking® is a good option for those looking for a simple and quick way to manage their finances. Check out the pros and cons of it below.
- Free access to Chase branches and ATMs;
- Cardless ATM access;
- Customer support;
- Online application;
- Customers can waive monthly and overdraft fees.
- No APY;
- Monthly and overdraft fees.
Credit score required
A credit score isn’t always the deciding factor when you open a bank account. And for opening a Chase Total Checking®, you won’t need to go through a credit check.
But having poor or no credit can make accessing certain products and services difficult – sometimes even resulting in extra fees.
Chase Total Checking® application: how to do it?
Do you want to step further and open a Chase Total Checking®? Below, you’ll find our post with guidelines to help you start. Read on!
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
About the author / Suzana Brito
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