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Understanding checking and savings account fees
Chase Total Checking® Account Fees
Open for details, including ways to avoid certain fees.
Account Fees
Overdrafts happen when you make a purchase or payment, or write a check, and there isn't enough money in your checking account to cover it.
If paid: $34 Overdraft Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).
Chase Overdraft Assist℠ helps you with:
- Confidence: $0 overdraft fees if you're overdrawn by $50 or less at the end of the business day
- Time: $0 overdraft fees if you're overdrawn by more than $50 at the end of the business day and you bring your account balance to overdrawn by $50 or less at the end of the next business day
We also don't charge an overdraft fee for certain things, like if a transaction is declined or returned unpaid, or for transactions that are $5 or less.
Helpful tip: You can use Zelle® on the Chase Mobile® app to pay people you know and trust who have a bank account in the U.S. instead of getting cash at a non-Chase ATM.
- $3 per withdrawal at a non-Chase ATM in the U.S. and the U.S. territories
Surcharge Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee from Chase may apply for ATM withdrawals in a currency other than U.S. dollars. U.S. territories include American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands
- $5 per withdrawal at a non-Chase ATM outside the U.S. and the U.S. territories
Surcharge Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee from Chase may apply for ATM withdrawals in a currency other than U.S. dollars. U.S. territories include American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands
Wires and Money Orders
Helpful tip: You may be able to set up a bank-to-bank transfer to avoid these fees.
Looking for more details about fees?
See the Deposit Account Agreement and Additional Banking Services and Fees (PDF).