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We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Reviews

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!

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by Suzana Brito

01/09/2023 | Updated on 01/26/2023

Chase Total Checking®: The perfect account for your everyday banking needs

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Read our Chase Total Checking® full review. Source: The Mad Capitalist

Are you looking for a checking account that fits your everyday needs? This Chase Total Checking® review brings a great option to consider.

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How to apply for Chase Total Checking®

Ready to take control of your financial future? Open a Chase Total Checking® — Find out how to do it here! No hidden fees and several perks.

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How to apply for Chase Total Checking®

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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.

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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.

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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.

Chase App

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.

Multiple personalized credit card offers

Applying won't hurt your credit score

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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:

  1. 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;
  2. Keeping a $1,500+ balance in your account at the beginning of each day;
  3. Combine this account with linked ones with a starting balance of $5,000 or more.

Other benefits

  • 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

Happy successful young african-american businesswoman working on laptop.African girl school student e learning distance training course study work at home office. Ethnic young woman watching online education webinar using laptop.
Learn more about Chase Total Checking® main features. Source: Adobe Stock

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.

Pros

  • Free access to Chase branches and ATMs;
  • Cardless ATM access;
  • Customer support;
  • Online application;
  • Customers can waive monthly and overdraft fees.

Cons

  • 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!

Chase logo

How to apply for Chase Total Checking®

Ready to take control of your financial future? Open a Chase Total Checking® — Find out how to do it here! No hidden fees and several perks.

Keep Reading
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How to apply for Chase Total Checking®

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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

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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