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Chase Total Checking® account review

A no-frills checking account with all of the benefits of banking with Chase and a $200 signup bonus.’s rating: 3.0 / 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



Minimum deposit to open


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 offerNew Chase checking customers enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
ATMsAccess to 16,000 ATMs and more than 4,700 branches nationwide
ATM transaction fee$0
Out-of-network ATM fee$3
Foreign transaction fee3%
Overdraft fee$34
Nonsufficient funds fee$34

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

Chase Total Checking is best for those looking for a checking account with an avoidable service charge. It doesn’t require any initial deposit, and it offers many ways to move your money.

But unlike the Chase Secure Checking account, you’ll pay a substantial fee if you overdraw your account. And if you stop getting paid via direct deposit or fail to satisfy the minimum balance requirements, you’ll get stuck with an annoying monthly fee.

Sign up for an account now to get the $200 signup bonus, or compare other popular checking accounts that offer just as many features.


$200 signup bonus when you open a Chase Total new account with direct deposit

Expires 20 Jul 2022
Offer valid for new Chase Total Checking customers through July 20, 2022, when you set up direct deposit within 90 days of opening your account.

How do I open a Chase Total Checking account?

You can open a Chase Total Checking account at a branch or online by following these steps:

  1. Select Apply now.
  2. From the Chase site, select Checking accounts from the navigation menu.
  3. Tap or click Open account under Chase Total Checking.
  4. Fill in your personal information, including your name, address and Social Security number, then click Next.
  5. Once your application is complete, you’ll need to fund the account.
  6. After your opening deposit has been made, you can submit your application.


You must satisfy certain criteria to qualify for a Chase Total Checking account.

  • At least 18 years old
  • Government-issued ID
  • Permanent US address
  • Minimum initial deposit of $25

Required information

Propare to provide the following details when applying for a Chase Total Checking account.

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

3 benefits of Chase Total Checking

Here are some of the perks you can look forward to when you open a Chase Total Checking account.

  • Bonus offer. If you’re a new Chase customer, you can get a $200 signup bonus when you open this account and set up direct deposit within 90 days.
  • Branch network. Chase has more than 4,700 branches across the US, making it easy to meet with a banker in person in many parts of the country.
  • Low opening deposit. You can open this account with as little as $0.
  • Overdraft services. Overdraft Assist lets you bypass Chase’s insufficient funds fee if you overdraw your account by $50 or less, and comes standard on its Total Checking account. You can also enroll in Overdraft Protection, which links your Chase savings account as a backup to cover overdraft transactions and avoid the $34 overdraft fee entirely. Keep in mind that all savings accounts are limited to six monthly withdrawals and transfers. Any additional withdrawal is subject to a $5 fee.

3 things to look out for

Keep these drawbacks in mind before applying for this account.

  • Monthly service fee. The Chase Total Checking account comes with a $12 monthly fee, which you can only waive when you receive direct deposits totaling $500 or more per month, have a balance of $1,500 or more at the beginning of each statement period or have an average balance of $5,000 or more at the beginning of each statement period, including qualifying linked deposits and investments.
  • Limited availability. Although Chase has more than 4,700 branches, it only operates in 28 states and Washington, D.C. But you can open an online account nationwide except in Alaska, Hawaii and Puerto Rico.
  • Overdraft fee. Expect to pay a $34 insufficient funds fee for each transaction that leaves your account overdrawn by more $50 — up to three fees per day.

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.

Chase ATM network and fees

This account comes with a Chase Visa debit card, giving you access to Chase’s network of more than 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:

$3 in the US, Puerto Rico and US Virgin Islands; outside the US, it's $5 per withdrawal and $3 per transfer or inquiry — plus fees from the ATM owner.

What states have Chase branches?

You’ll find Chase branches in the following states.

  • 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

Chase Total Checking reviews and complaints

Chase is not accredited by the Better Business Bureau (BBB), which gives it an A- rating based on its handling of 3,612 complaints in the past three years. However, there are 322 customer reviews for Chase on the BBB’s website, with an average rating of 1.1 out of 5. And among the 551 customer reviews for Chase on Trustpilot, the bank earns a dismal rating of 1.4 out of 5.

On both Trustpilot and the BBB’s website, customers complain about Chase’s banking, mortgaging and auto financing services. But we didn’t find any reviews specifically about the Total Checking account.

Compare Chase Total Checking to similar accounts

We gathered a quick comparison of Chase Total Checking and similar accounts to help you decide which one is best for you. Select Compare accounts to compare even more checking accounts.

Chase Total Checking®

HSBC Premier Checking


Finder rating 3 / 5


Finder rating 2.7 / 5

Go to site
on Chase's secure site
Go to site
on HSBC's secure site


$12 per month
(can be waived)


$50 per month
(can be waived)




0.01% on balances of $5+

Minimum deposit to open


Minimum deposit to open


How do I deposit or withdraw my money?

There are several ways to move money into and out of your Chase Total Checking account.


  • Branch deposits. Chase has more than 4,600 locations across the US.
  • ATM deposits. You can load cash into your account at participating ATMs.
  • Mail a check. Address endorsed checks to National Bank, P.O. Box 6185, Westerville, OH 43086.
  • Mobile deposits. Use your smartphone and the Chase mobile app to deposit paper checks.
  • Chase QuickDeposit. If you operate a business, this service can help you scan checks using your computer.
  • Direct deposit. Your employer can deposit your paycheck directly into this account.
  • Incoming ACH transfers. Transfer funds into your account from a linked bank.
  • Wire transfers. Send domestic or international wire transfers for a fee.
  • Zelle. Use this platform to accept mobile payments to other Zelle-compatible accounts.


  • Branch withdrawals. Withdraw cash from your account at any Chase branch.
  • ATM withdrawals. Access cash at any ATM that accepts Visa and at Chase ATMs for free.
  • Personal checks. Write checks that draw from this account, but you’ll need to buy the checks from Chase.
  • ACH withdrawals. Transfer funds from your account to a linked bank.
  • Zelle. Use this platform to send mobile payments to people in your life.
  • How to contact Chase customer service?

    If you have questions or need help with your account, you can contact Chase customer service in the following ways.

    • In person. Visit a local Chase branch to speak with a banker in person.
    • Phone. Call 800-935-9935 for automated and live support with your account.
    • Social media. Send tweets to @ChaseSupport or message the bank via Facebook.

    Checking account ratings

    ★★★★★ — 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.

    Read the full methodology of how we rate checking accounts.

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  1. Default Gravatar
    April 24, 2019

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

    • Default Gravatar
      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!


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