Bottom line: The Chase Total Checking® account is a great option for those who place a premium on customer service and easy access to their funds. It has one of the largest branch networks in the country as well as all the online and mobile tools you need to manage your funds on your own.
As long as you keep enough money here to avoid the maintenance fee, you shouldn't have any problems with this account. Read our full Chase Total Checking® review to learn more.
Open Account for Chase Total Checking®
Member FDIC.
Ratings Methodology
Rates asof Jul 03, 2024
Chase Total Checking®
Open Account for Chase Total Checking®
Member FDIC.
Rating image, 3.50 out of 5 stars.
3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 3.50 out of 5 stars.
3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Open Account for Chase Total Checking®
APY
0%
Min. To Earn APY
N/A
- Largest bank in the U.S. in terms of assets
- More than 15,000 ATMs and 4,700 physical locations
- Wide range of financial products
- User-friendly online and mobile banking tools
- No minimum deposit to open
- Chase Overdraft Assist
- Low APYs on savings accounts and CDs
- $12 monthly maintenance fee waived only with qualifying activity
Chase Total Checking® combines tons of features with superior customer service. It's a safe place to put your money. You can walk into any of thousands of branches and withdraw cash from more than 15,000 ATMs in Chase's network. You can access everything online, too. It's one of the best checking accounts for in-person and over-the-phone customer service.
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
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We recommend comparing checking accounts to make sure you're getting the best fit for you. Here's a list of our favorite accounts.
| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for Discover® Cashback Debit Member FDIC. Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 0% Min. to earn: N/A | Earn 1% cash back on up to $3,000 in debit card purchases each month (see details when you click 'Open Account') | Open Account for Discover® Cashback Debit |
Open Account for Quontic High Interest Checking Member FDIC. Rating image, 4.00 out of 5 stars. 4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | up to 1.10% Min. to earn: $1 | High APY when you complete 10 or more qualifying debit card purchases each month | Open Account for Quontic High Interest Checking |
Open Account for Axos Bank Rewards Checking Member FDIC. Rating image, 4.25 out of 5 stars. 4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 0.40% (up to 3.30%) Rate infoTo earn the full APY, account holders must do all of the following: Receive monthly direct deposits totaling more than $1,500; make 10 transactions a month with your Axos debit card, or sign up for Axos's Personal Finance Manager; maintain an average daily balance of $2,500 per month in an Axos Invest Self Directed Trading Account; and use your Rewards Checking account to make your full monthly Axos Bank consumer mortgage, personal, or auto loan payment.Min. to earn: Monthly direct deposits totaling at least $1,500 | Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31. | Open Account for Axos Bank Rewards Checking |
Full Chase Total Checking® review
Top perks
Large branch network: Chase is one of the largest banks in the country, with over 4,700 branches nationwide and more than 15,000 ATMs. This makes it a great fit for those who prefer to visit their bank's locations for personalized service.
Excellent customer service: Chase earned the second-highest rating in J.D. Power's 2022 U.S. National Banking Satisfaction Study. It could be a good fit for you if you put a big emphasis on customer support and talking to a real person when you need assistance.
Flexible access to your funds: Between its huge branch network and online and mobile tools, the Chase Total Checking® account provides customers with a variety of ways to access their cash when they need it. Customers can deposit and withdraw funds electronically, by visiting a branch, or by making a wire transfer. They can also deposit checks from their smartphones with the mobile app and make withdrawals via debit card or check.
Overdraft Assist: Those who enroll in the Chase Total Checking® account's Overdraft Assist program won't pay an overdraft fee if they've overdrawn their account by less than $50 at the end of the day. They also won't owe a fee if they overdraw it by more than $50, but bring the account balance to overdrawn by less than $50 by the end of the next business day.
What could be improved
Maintenance fee: Like many brick-and-mortar checking accounts, the Chase Total Checking® has a monthly maintenance fee. There are multiple ways to waive this fee, but if you don't think you'll be able to do this, you'd be better off seeking an account that doesn't charge you to own it.
APY: You won't earn any interest with the Chase Total Checking® account. This isn't unusual among checking accounts, especially those offered through traditional banks. But there are online checking accounts with this perk for those who want it. Alternatively, you can keep your extra cash in a high-yield savings account to earn interest.
We tried it: Our team's firsthand experience
Here at The Motley Fool Ascent, we pride ourselves as real users of most of the products across our site. One of our Personal Finance Writers, Brittney Myers, uses the Chase Total Checking® herself.
Here's Brittney's review:
Chase is a great option for folks looking for a national bank with a lot of branches, tons of products, and top-notch digital banking through the website and mobile app. That said, it's not perfect. I've had a few issues with connecting accounts and transferring funds. And while having branches are nice, they're of limited use for resolving problems; when I had an online banking issue, I was told it could only be resolved by calling customer service.
Chase Total Checking® Fees
| Chase Total Checking® | Monthly Maintenance | ATM Withdrawal | Overdraft | Stop Payment | Insufficient Funds |
|---|---|---|---|---|---|
| Fees | $12 with options to waive | $0 at Chase ATMs, $3 to $5 at out-of-network ATMS | Up to $34 | $30 per request | $34 per transaction, maximum three fees per day |
Data source: Chase.
How to access your money
Here's a look at how Chase Total Checking® account customers can access their funds.
Deposit options
You can deposit money into your Chase Total Checking® account in the following ways:
- Electronic transfer
- Direct deposit
- Mobile check deposit
- Wire transfer
- Visiting a Chase Bank branch
- Using a Chase Bank ATM
Withdrawal options
Here are your options for withdrawing money from your Chase Total Checking® account:
- Electronic transfer
- Check withdrawal
- Wire transfer
- Making a point-of-sale withdrawal
- Visiting a Chase Bank branch
- Using a Chase Bank ATM
Chase Total Checking® is right for you if:
You may want to consider opening a Chase Total Checking® account could be a great choice for you if:
- You prefer to bank in person.
- You like having a lot of options when it comes to accessing your money.
- You don't want to be penalized for small overdrafts.
If this isn't right for you, check out our full list of the best checking accounts.
Keep reading about Chase Bank
- Chase Bank Review
- Chase Savings Account Review
- Chase CD Rates
- Chase Business Complete Banking Review
- Chase Bank Promotions
Our checking account methodology
At The Motley Fool Ascent, we rate checking accounts on a five-star scale (1 = poor, 5 = best). We evaluate all checking accounts across four main criteria: brand and reputation, APY and rewards, fees and minimum requirements, and perks.
Our scores are weighted as:
- Brand and reputation: 40%
- APY and rewards: 30%
- Fees and minimums: 15%
- Other perks: 15%
Learn more about how The Motley Fool Ascent rates bank accounts.
