We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Chase Total Checking account review

Last updated:  

A no-frills checking account with a $200 opening bonus and all of the benefits of banking with Chase.

If you’re looking for a simple checking account with a low monthly service fee, the Chase Total Checking account may be a good fit. You’ll have access to Chase’s vast network of ATMs, mobile app for on-the-go bill payments and deposits, account alerts and even options to waive the monthly fee. Chase only has branches in 29 states, however, and this basic checking account won’t earn interest.

$12 per month

Monthly fee

0%

APY

$0

Minimum deposit to open

Details

Monthly fee$12 per month
To waive the feeDo any ONE of the following:
• Set up monthly direct deposits of $500 or more
• OR have a $1,500 balance or more each morning
• OR have a combined balance of $5,000 or more in your Total Checking account and any other linked qualifying Chase accounts or investments
Minimum deposit to open$0
Intro or bonus offerGet a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account.
ATMsAccess to 16,000 ATMs and nearly 5,000 branches nationwide
ATM transaction fee$0
Out-of-network ATM fee$2.50
Foreign transaction fee3%
Overdraft fee$34
Nonsufficient funds fee$34
Chase Banking Chase Banking

$200 signup bonus when you open a new account

Offer valid for Chase Total Checking through January 21, 2020, when you set up direct deposit within 60 days of opening your account.

Last verified

What are the benefits of Chase Total Checking?

  • Bonus offer. Get a $200 bonus when you open this account and set up direct deposit.
  • Visa debit. The account comes with a Chase Visa debit card with chip technology.
  • Convenient deposits. You can deposit money at branches, ATMs, by mail, online or through its app using Chase QuickDeposit.
  • Security. Chase holds the highest possible ratings by all three major ratings agencies. It’s also FDIC-insured, meaning that deposits up to $250,000 are covered by FDIC deposit insurance.
  • Bill pay. Make one-time or recurring payments for free when you make this account the primary account for online bill payment.
  • Nationwide support. Chase has nearly 5,000 branch locations and offers 24/7 customer service. You can also get in touch by email, mail and Twitter, or find FAQs on the Chase site.
  • Account alerts. Get alerts when there is a charge, refund or other transaction on your account. This service is available via text, email and push notifications.
  • Text banking. This feature allows you to check account balances, view credit card bills and more — all from your phone.
  • Mobile payments. Use the Chase mobile app to send money to friends and family through QuickPay with Zelle.

Chase ATM network and fees

This account comes with a Chase Visa debit card, giving you access to Chase’s massive network of over 16,000 ATMs. Transactions at these ATMs are free, but if you use an ATM from another bank, you’ll be charged the following fees:

  • Domestic ATM fees: $2.50 per withdrawal, transfer or inquiry — plus fees from the ATM owner.
  • Foreign ATM fees: $5 per withdrawal and $2.50 per transfer or inquiry — plus fees from the ATM owner.

What should I look out for?

  • Opening deposit requirement. This account requires a $0 minimum deposit to open.
  • Monthly service charge. The Chase Total Checking account comes with a monthly service charge of $12, which is waived if you meet any of the following conditions:
    • Have direct deposits into the account totaling $500 or more per month.
    • Have a balance of $1,500 or more at the beginning of each statement period.
    • Have an average balance of $5,000 or more at the beginning of each statement period, which includes qualifying linked deposits and investments.
  • Insufficient funds fees. You’re charged $34 for each debit card purchase that overdraws your account, with a maximum of three per day. However, this fee doesn’t apply if any of these conditions are true:
    • Your account balance at the end of the business day is overdrawn by $5 or less.
    • The purchase was for $5 or less, even if your end-of-day balance is overdrawn.
    • You made a withdrawal at an ATM.
  • Extended overdraft fees. You’ll incur a $15 fee each time your account is overdrawn at least five business days in a row.
  • Miscellaneous fees. These other fees could eat away at your funds if you’re not careful.
    • Stop payment: $30 per request
    • Non-ATM cash: $5 or 3% of the transaction, whichever is greater
    • Additional statement copy: $6 per paper statement
    • Blank page of three personal checks: $2 per page
    • Money order: $5 each
    • Cashier’s check: $8 each
  • Wire transfer fees. Both domestic and international wire transfers also incur additional fees.
    • Incoming wire transfer: $15
    • Outgoing domestic wire transfer: $35
    • Outgoing domestic online wire transfer: $25
    • Outgoing international wire transfer: $50
    • Outgoing international online wire transfer: $40
    • Outgoing international online wire transfer in a foreign currency: $40 for amounts less than $5,000; free for amounts of $5,000 or more
  • Limited availability. Although Chase has nearly 5,000 branches, it only operates in 28 states and Washington, DC.

What states have Chase branches?

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Massachusetts
  • Michigan
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Compare with other checking accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
A full-service account with convenient, surcharge-free access to two massive ATM networks.
BBVA Premium Checking
BBVA Premium Checking
0.05%
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$19/month
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
$12/month
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
0.01%
38,000 fee-free ATMs nationwide
$0
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
1,000 fee-free ATMs across the country
$0
Pay a $0 monthly service charge and get free access to BBVA ATMs.
0.01%
Access to 16,000 ATMs and nearly 5,000 branches nationwide
$25/month
(can be waived)
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit.

Compare up to 4 providers

How much do I need to open an account?

This account requires a minimum deposit of $0, due when you open the account.

How do I apply?

You can open a Chase Total Checking account at a branch or online through the following steps:
1. Visit the Chase site and click Checking accounts.
2. Click Open account under Chase Total Checking.
3. Fill in your personal information including your name, address and Social Security number, then click Next.
4. Once your application is complete, you’ll need to fund the account.
5. After your opening deposit has been made, you can submit your application.
Chase Premier Plus Checking account screenshot 1

Eligibility

The only eligibility requirement for the Chase Total Checking account to make a $25 deposit to open the account, you’ll need to present government-issued identification, but as long as you have a permanent address, you should be able to open an account.

The $200 introductory bonus is only available to new Chase customers. You’ll also need to set up direct deposit within 60 days of opening your account.

Required information

  • Name
  • Date of birth
  • Address
  • Government-issued ID
  • Social security number — or passport for foreign applicants
  • Income information

What other checking options does Chase offer?

Chase also offers a few other checking accounts:

  • Chase Premier Plus Checking. Comes with higher balance requirements but also offers great perks and features.
  • Chase Sapphire Checking. This premium checking account has a high balance requirement to waive the $25 monthly service fee, but has almost no other fees and earns interest at 0.01% APY.
  • Chase College Checking. Designed for the needs and expenses of college students and comes with a $6 monthly service fee that can be waived for up to five years while you’re in school.
  • Chase High School Checking. Geared toward students between the ages 13 and 17, this checking account helps develop responsible financial behavior in teenagers. Its $6 monthly service fee is waived if you meet certain requirements.

Does this bank offer business services?

Yes. Chase also offers a number of options for businesses, including:

  • Business checking accounts. Various business checking accounts are designed to help businesses handle cash flow.
  • Merchant services. Chase offers products that allow businesses to accept payments online, in store or on the go.
  • Business credit cards. Chase’s selection of business credit cards help companies cover expenses and earn rewards in the process.
  • Business lending. Lines of credit, term loans, SBA financing and more are available to help businesses finance large purchases and other operating expenses.

Read about the Chase Total Business Checking account

Bottom line

The Chase Total Checking account is best for those looking for a checking account with a low monthly service charge that’s easily avoidable. But you’ll want to avoid it if you plan to travel or else you’ll pay 3% on foreign transaction fees.

If you’re looking for an interest-bearing checking account or one with no foreign transaction fee, you’ll want to compare your checking account options.

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

2 Comments

  1. Default Gravatar
    ls1985
    April 24, 2019

    Does chase total checking with the visa debit card offer the rental car coverage?

    • AvatarStaff
      nikkiangco
      April 24, 2019

      Hi ls1985,

      Thanks for getting in touch with Finder! Upon checking Chase Total Checking is does not offer rental car coverage. Hope this helps!

      Best,
      Nikki

Go to site