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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
Fee
$0
Minimum deposit to open
APY | N/A |
---|---|
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 $200 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 | $3 |
Foreign transaction fee | 3% |
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.
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.
You can open a Chase Total Checking account at a branch or online by following these steps:
You must satisfy certain criteria to qualify for a Chase Total Checking account.
Propare to provide the following details when applying for a Chase Total Checking account.
Here are some of the perks you can look forward to when you open a Chase Total Checking account.
Keep these drawbacks in mind before applying for this account.
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 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.You’ll find Chase branches in the following states.
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.
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 |
Chime Spending account |
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★★★★★ |
★★★★★ |
★★★★★ |
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Fee
$12 per month |
Fee
$50 per month |
Fee $0 |
APY N/A |
APY 0.01% on balances of $5+ |
APY N/A |
Minimum deposit to open $0 |
Minimum deposit to open $0 |
Minimum deposit to open $0 |
Compare even more checking accounts
There are several ways to move money into and out of your Chase Total Checking account.
If you have questions or need help with your account, you can contact Chase customer service in the following ways.
★★★★★ — 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.
2 Comments
April 24, 2019
Does chase total checking with the visa debit card offer the rental car coverage?
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