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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
Fee
N/A
APY
$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 | 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 4/14/2021. |
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% |
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.
You can open a Chase Total Checking account at a branch or online through the following steps:
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 Up to $200 sign up bonus 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.
We gathered a quick comparison of Chase Total Checking and similar accounts to help you decide which one is best for you. To keep looking, select “Compare accounts” to compare even more checking accounts.
Chase Total Checking
★★★★★
Go to site |
---|
Fee $12 per month |
APY N/A |
Minimum deposit to open $0 |
ATM network Access to 16,000 ATMs and more than 4,700 branches nationwide |
HSBC Premier Checking
★★★★★
Go to site |
---|
Fee $50 per month |
APY 0.01% on balances of $5+ |
Minimum deposit to open $1 |
ATM network Free to use at all ATMs in the US |
Chime Spending account
★★★★★
Go to site |
---|
Fee $0 per month |
APY N/A |
Minimum deposit to open $0 |
ATM network 38,000 fee-free ATMs nationwide |
Compare even more checking accounts
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.
Chase also offers a few other checking accounts:
Yes. Chase also offers a number of options for businesses, including:
★★★★★ — 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.