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Chase Total Checking® Account
- Our Rating 4/5 How our ratings work
$300Expires April 17, 2024
New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
Chase Total Checking® is among the best entry-level accounts. It typically offers new customers a sign-up bonus, and it’s fairly simple to waive the $12 monthly fee. However, it's worth noting that it doesn’t offer many valuable features or benefits and it’s not an interest-bearing checking account.
A Quality Entry-Level Account With a Nice Bonus
Chase Total Checking® is the bank’s beginner checking account that offers basic value without the special perks of premium accounts, but it does offer a Chase new account bonus. New customers can earn a $300 Chase checking account bonus when they open a new account and receive qualifying direct deposits. The account has a monthly maintenance fee of $12, though it’s relatively easy to waive, and there’s no minimum deposit required to get your account set up.
- No minimum opening balance
- Multiple ways to waive monthly fee
- Access to nationwide Chase branches and ATM network
- Monthly maintenance fee
- Account does not earn interest
🎉Elevated Offer Alert!🎉
The current $300 Chase Total Checking new customer bonus is $100 higher than what we typically see offered for this account. What’s more, the requirements to earn the bonus are only a little steeper than usual, as you’ll need to make at least $500 in direct deposits within 90 days of coupon enrollment.
Benefits and Features
The Chase Total Checking account offers a lot of features, especially for a fairly basic account:
- Convenient locations: When you bank with one of the largest banks in the U.S., you get quick access to your cash from just about any location nationwide—Chase offers 15,000 ATMs and over 4,700 branches. Chase Total Checking is available online nationwide with the exception of Alaska, Hawaii and Puerto Rico.
- User-friendly mobile tools: While Chase is a brick-and-mortar bank, it does have highly rated and user-friendly apps for both iOS and Android. You can use the Chase mobile app to manage your accounts, deposit checks remotely, find branches and ATMs and transfer money. Customers can also send and request funds via Zelle, use online bill pay tools, and receive paperless statements.
- Chip and cardless technology: In addition to being able to use a debit card for purchases, customers can add their Chase debit card to their digital wallets for cardless transactions.
$300 Sign-Up Bonus
The main reason to consider getting a new Chase Total Checking account is its $300 welcome bonus, which is quite generous when compared with other bank bonuses. Bank account bonuses aren't exactly rare, but some of them require you to jump through a lot of hoops. Chase Total Checking, on the other hand, is refreshingly straightforward.
Here’s what you need to do to get the Chase Total Checking account bonus:
- Open an account as a new Chase checking customer by April 17, 2024.
- Be sure to apply through the welcome bonus landing page to have the promotion added to your account or to request a coupon via email.
- Receive at least $500 in direct deposits (which could include a paycheck, pension or government-issued benefit) within 90 days of coupon enrollment.
- Once you've done that, you'll earn the bonus within 15 days.
While historically we've seen this account offer a slightly lower bonus with no minimum direct deposit requirement, this $300 offer is still relatively accessible. To earn the bonus within the specified timeline, you only need to receive about $167 in direct deposits a month; if you receive biweekly paychecks, that could be just $83.50.
The bonus promotion expires on April 17, 2024 but don't worry if you miss out on this run. The bank has done several versions of the deal in the past. We'll keep you updated on any bonus changes.
Best High-Yield Savings Accounts (February 2024)
Increase Your Checking Bonus With a Chase Credit Card Bonus
If you’re a credit card enthusiast, Chase offers some of the best credit card bonuses across all categories. If you're interested in earning a solid bonus, here are several you may want to consider.
Chase Sapphire Preferred®
60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)
The card offers 5x points per dollar on travel booked through Chase Ultimate Rewards, 3x points on dining (including eligible takeout and delivery services), as well as 3x points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). This card earns 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too.
Chase Freedom Unlimited®
1.5%Extra Cash Back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
1.5% - 5%Cashback
Enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
United℠ Explorer Card
60,000United MileagePlus Miles
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Dollar Equivalent: $840 (60,000 United MileagePlus Miles * 0.014 base)
$0 Intro for the First Year, then $95
1x - 2xPoints
2X miles per dollar on United purchases, hotel accommodations when purchased directly from the hotel and dining at restaurants, including select delivery services. 1x on everything else.
60,000Chase Ultimate Rewards Points
Earn 60,000 bonus points after using your card to spend $4,000 within three months of account opening. Dollar Equivalent: $1,380 (60,000 Chase Ultimate Rewards Points * 0.023 base)
1x - 10xPoints
The card offers 10x points per dollar spent on hotels and rental cars as well as 5x points on air travel booked directly through Chase Ultimate Rewards immediately after you spend $300 on travel purchases annually. Additionally, earn 3x points per dollar spent on all other travel and dining purchases and 1x everywhere else.
Rates & Fees
Here’s a quick look at some of the common fees you might encounter with this account:
- Monthly maintenance: $12 (waivable with qualifying activities)
- Non-Chase ATM transaction: $3
- International ATM withdrawal: $5
- International transfers and inquiries: $3
- International exchange fee: 3%
- Overdraft fee: $0-$34‡
- Incoming wire transfer: $15
- Outgoing domestic wire: $25-$35
- Outgoing international wire: $0-$50
‡ With Chase Overdraft AssistSM, Chase won’t charge an Insufficient Funds 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.
If you’re looking for lower checking account fees, you can take a look at online banks, which have less overhead and therefore less fees usually. But note that they don’t offer the in-person services that come with brick-and-mortar banks like Chase.
For those interested in a business checking account, take a look at the enticing benefits of opening a new Chase Business Complete Checking℠ account.
How to Waive the $12 Monthly Fee
This Chase account comes with a $12 monthly service fee but you can get that fee waived in one of three ways:
- Monthly direct deposit: Have direct deposits totaling $500 or more in new money each monthly statement period
- Maintain daily balance: Have a daily balance of at least $1,500 at the beginning of each day
- Average balance from linked Accounts: Have an average beginning day balance of $5,000 or more in any combination of linked qualifying Chase checking, savings and other accounts
Qualifying personal balances include Chase First Banking℠ accounts, personal Chase savings accounts (excluding Chase Premier Savings℠ and Chase Private Client Savings℠), CDs, certain Chase Retirement CDs and certain Chase Retirement Money Market Accounts.
A Chase Total Checking account isn't right for everyone. Consider both the advantages and disadvantages of getting one. Here are some important considerations when deciding whether to open an account:
- Has a monthly fee: The $12 fee is relatively easy to waive, especially if you have regular direct deposit, but some accounts don’t have a monthly service fee to navigate at all.
- Doesn’t earn interest: Many checking accounts don’t earn interest, but more do these days, so if you want that feature, you’ll have to look elsewhere.
- Non-Chase ATM fee: Chase has around 15,000 ATMs you can use for free, but if they aren’t convenient to your location and you use an out-of-network machine, you will have to pay for it.
- Overdraft fees: The overdraft fees are a bit high compared to some accounts, so it’s something to know if you’re worried about managing your account balance. However, Chase won’t charge the fee if you’re overdrawn by $50 or less at the end of the business day or overdrawn by more than $50 but you bring your balance to overdrawn by $50 or less at the end of the next business day.
Best Checking Accounts That Waive or Reimburse Overdraft Fees
Alternatives to Chase Total Checking
If you're not quite sure that a Chase Total Checking account is right for you, there are plenty of great alternatives to consider.
|Monthly maintenance fee
SoFi Checking and Savings
$50-$300Expires June 30, 2024
New customers can earn a $300 bonus for opening a new SoFi Checking and Savings account and receiving a total of $5,000+ in qualifying direct deposits within the specified evaluation period; receive $1,000 - $4,999 in qualifying direct deposits to earn a $50 bonus.
Chase Secure Banking℠ Checking Account
$100Expires April 17, 2024
New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure BankingSM account with qualifying transactions. Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDepositSM or online bill payments. Your bonus will appear in your account within 15 days after completing the qualifying transactions.
Axos Rewards Checking Account
Up to $300Expires June 30, 2024
Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
CIT Bank Money Market Account
Chase Refer-a-Friend: Up to a $500 Referral Bonus
Once you've opened a new Chase checking account, you’re eligible to participate in Chase's Refer-a-Friend program. Earn $50 when a friend opens a qualifying Chase bank account, up to $500 each calendar year.
- Enter your information into this form and Chase will provide a link to share.
- Invite your friends to bank with Chase using that link.
- Earn a $50 cash bonus for each friend who opens a qualifying checking or savings account with the link you send them (up to 10 referral bonuses per calendar year).
- Your friend gets rewarded too when they open an eligible Chase bank account and complete qualifying activities.
Is Chase Total Checking Right for You?
The Chase Total Checking account could be right for you if you’re able to waive the monthly fee without effort and can qualify for the $300 Chase bonus. And if you prefer in-person service that’s available across most of the U.S., Chase should be on your list of contenders.
But if you don’t want to jump through hoops to get the monthly fee waived or are looking for an account with fewer fees or even one that earns interest, you could be better off looking at the best online banks, like Axos or SoFi, for a better fit. Take time to consider all of your options and check out our list of the safest banks in the U.S., especially if you prefer the big brick-and-mortar banks.
Ready to open a Chase Total Checking Account? Start here.
Total Checking allows you to deposit and withdraw funds for everyday transactions, including depositing checks, using ATMs, making purchases with its debit card and setting up direct deposits of your paychecks, pension payments or government-issued benefits. The account features a mobile app and a secure website that can both handle most of your common banking needs, without an in-person trip to the bank.
No, Total Checking is not free. Chase charges a $12 monthly maintenance fee to use this account, but it can be waived by meeting one of several requirements.
To waive the monthly fee, you can either keep a daily minimum of $1,500 in the account or receive $500 in direct deposits to the account. You can also avoid paying the fee with a combined daily average of $5,000 across all your Chase accounts.
You can find your specific withdrawal limits for ATMs and debit purchases in the documents Chase provides when you set up your account, but generally speaking, the ATM limit is around $500-$3,000. Some banks allow you to increase your limits based on your account status, deposit history and more, so it’s worth asking if you need a higher limit.
Chase Premier Plus Checking is best suited for people who want multiple accounts with one bank and have the money or the mortgage relationship to be able to waive the account’s $25 monthly service fee.
While Premier Plus Checking offers features and benefits that aren't available with Total Checking, it does charge higher monthly service fee and also requires a higher minimum daily balance in order to waive its monthly service fee.
No, the Chase Total Checking is not an interest-bearing account, so any balance on the account will not earn interest.
Yes, you can have multiple Chase checking accounts. There is no set limit on the number of accounts you can open, but to qualify for the bonus offer, you must be a new Chase checking customer.