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Chase Total Checking

About Chase Checking Accounts

The Chase Total Checking from Chase is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 7.9/10. America's most popular everyday branch checking account with access to 4,700+ branches, 15,000+ ATMs, Zelle, and Chase Overdraft Assist ($50 buffer).

Key highlights include 0.01% APY, a fee structure of $12 Monthly Fee ($0 w/ $500 Direct Deposit or $1,500 Balance), and $300 New Checking Customer Bonus with Direct Deposit. Accounts are backed by FDIC Insured up to $250,000 and supported by Chase's 4.9 / 5.0-rated digital banking experience.

Features

Annual Fee	$12 Monthly Fee ($0 w/ $500 Direct Deposit or $1,500 Balance)
Regular APR / Rate	0.01% APY
Intro Offer / Welcome Bonus	$300 New Checking Customer Bonus with Direct Deposit
Savings APY / AER	Chase Offers Cashback + Overdraft Assist ($50 Fee-Free Buffer)
Minimum Deposit	$0 Minimum to Open
Foreign Transaction Fee	3% Foreign Debit Fee
Deposit Insurance	FDIC Insured up to $250,000
Mobile App Rating	4.9 / 5.0
Overall Rating	7.9 / 10

About Product

Annual / Monthly Fee: $12 Monthly Fee ($0 w/ $500 Direct Deposit or $1,500 Balance)
APR / APY Rate: 0.01% APY
Intro Offer / Bonus: $300 New Checking Customer Bonus with Direct Deposit
Key Benefits: Chase Offers Cashback + Overdraft Assist ($50 Fee-Free Buffer)
Minimum Requirement: $0 Minimum to Open
Foreign Transaction Fee: 3% Foreign Debit Fee
Protection: FDIC Insured up to $250,000

Pros

Rate / APR / APY: 0.01% APY
Fee Structure: $12 Monthly Fee ($0 w/ $500 Direct Deposit or $1,500 Balance)
Welcome Offer / Benefit: $300 New Checking Customer Bonus with Direct Deposit
Rewards & Highlights: Chase Offers Cashback + Overdraft Assist ($50 Fee-Free Buffer)

Cons