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finder.com’s rating: 2.8 / 5.0
★★★★★
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
| Monthly fee | $12 per month |
|---|---|
| To waive the fee | Do 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 offer | 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. Offer valid through 4/20/2020. |
| ATMs | Access to 16,000 ATMs and nearly 4,900 branches nationwide |
| ATM transaction fee | $0 |
| Out-of-network ATM fee | $2.50 in the US, Puerto Rico and US Virgin Islands; outside the US, it's $5 per withdrawal and $2.50 per transfer or inquiry |
| Foreign transaction fee | 3% |
| Overdraft fee | $34 |
| Nonsufficient funds fee | $34 |
Review by
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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.
Chase Banking
$350 signup bonus when you open both checking and savings accounts
Offer valid for opening both Chase Total Checking and Chase Savings accounts when you set up direct deposit on the checking account and deposit $10,000 or more in new money in the savings account, plus maintain a $10,000 balance for 90 days. Offer valid through April 20, 2020.
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Chase Banking
$200 signup bonus when you open a new account with direct deposit
Offer valid for Chase Total Checking through April 20, 2020, when you set up direct deposit within 60 days of opening your account.
Last verified
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:
If you prefer an interest-bearing checking account or one with no foreign transaction fee, you’ll want to keep looking. As always, compare your options when looking for a checking account.
This account requires a minimum deposit of $0, due when you open the account.
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.
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.
Chase also offers a few other checking accounts:
Yes. Chase also offers a number of options for businesses, including:
Read about the Chase Total Business Checking account
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.