Chase Total Checking® account review
A no-frills checking account with all of the benefits of banking with Chase and a $225 signup bonus.
finder.com’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 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||New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit.|
|ATMs||Access to 16,000 ATMs and more than 4,700 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%|
|Nonsufficient funds fee||$34|
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 reviewChase 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 $225 signup bonus, or compare other popular checking accounts that offer just as many features.
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:
- Click Apply now.
- From the Chase site, select Checking accounts from the navigation menu..
- Tap or click Open account under Chase Total Checking.
- Fill in your personal information, including your name, address and Social Security number, then click Next.
- Once your application is complete, you’ll need to fund the account.
- 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
Propare to provide the following details when applying for a Chase Total Checking account.
- Date of birth
- 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 $225 signup bonus 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.
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.
- Hefty overdraft. Although its $34 overdraft fee is about average to what you’ll find at other banks, unlike the Chase Secure checking account, you don’t get overdraft protection with Total Checking.
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:$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 — plus fees from the ATM owner.
What states have Chase branches?
You’ll find Chase branches in the following states.
- District of Columbia
- New Jersey
- New York
- West Virginia
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.
Compare even more checking accounts
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.
- 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.
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.
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.