$200 signup bonus when you open a new account
Offer valid for Chase Total Checking through January 21, 2020, when you set up direct deposit within 60 days of opening your account.
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
|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.|
|ATMs||Access to 16,000 ATMs and nearly 5,000 branches nationwide|
|ATM transaction fee||$0|
|Out-of-network ATM fee||$2.50|
|Foreign transaction fee||3%|
|Nonsufficient funds fee||$34|
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:
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:
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.
If you’re looking for an interest-bearing checking account or one with no foreign transaction fee, you’ll want to compare your checking account options.
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