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Chase Total Checking® Account Review

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Chase Bank USA provides financial services that include consumer and commercial banking. The company serves individuals and small businesses through their bank branches, ATMs, and mortgage offices, as well as through their online and mobile banking services. Chase also has strong relationships with auto dealerships, schools and universities. The bank was founded in the year 2000 and operates as a subsidiary of J.P. Morgan Equity Holdings, Inc.
 
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How is Chase Bank rated?

Breakdown

4.9/5
Account Features
4.8/5
Fees and Restrictions
4.3/5
Support, Reputation, and Financials

Overall Rating: 4.7 / 5 (Excellent)

As one of the nation's three largest banks, Chase maintains a wide network of physical branches and ATMs that give customers convenient access to their accounts. Its various accounts and fees are at the same level with other national bank's offerings. Chase also offers several checking options and a $200 bonus for new customers. Overall, Chase checking accounts give consumers access to solid baking services in person an online, but if you are looking for competitive, high APY earning on your checking accounts, there are better options out there.

Chase Bank Account Features

Account Features - 4.9 / 5

Chase offers four checking accounts. The first two, Chase Total Checking and Chase Student Checking, offer basic checking features and low to no maintenance fees. Chase Premier Plus Checking and Chase Sapphire Checking offer more premium features, including interest-earning and waived fees on non-Chase ATMs. All of the accounts give customers access to mobile banking and online bill pay, and they all come with a debit card. Overall, Chase has a good basic checking account, but its savings and interest rates are generally low, and some of its fees are high and hard to avoid.
Types of Checking Accounts
Online Checking Accounts
Student Checking Accounts
Business Checking Accounts
Interest Bearing Checking Accounts
Methods of Deposits
Mail Check
ATM Deposit
Mobile Check Deposit
Physical Branch
Wire Transfer
Integration with Other Online Accounts
Savings
Scheduled Withdrawals to Savings
No-Fee ATM
No-Fee at Branded ATMs
No-Fee at Network ATMs
ATM Locations
16,000 ATMs located all around the United States.
Branch Offices
5,100 branches located all around the United States.

Interest (APY)

0.01%

Overdraft Protection

Available by connecting a Chase savings account as an backup account for your checking account. This feature has no fees attached, but the transfer counts toward the six withdrawal limit of your savings account. If your saving account exceeds its 6 withdrawal limit, a $5 fee is charged per additional withdrawal.
Integration with Mobile Payment Services
Apple Pay
Google Pay
SamsungPay
Card Blocking
Yes
EMV Chip Technology
Yes
Bank Checks
No
Mobile App
Yes

Bonus Features

Chase Sapphire has two credit cards with bonus features: -Chase Sapphire Preferred®: Offers travel rewards, including 2x points when traveling and dining at restaurants worldwide -Chase Sapphire Reserve®: Offers a $300 annual travel credit each year on the account's anniversary.

Chase Bank Fees and Restrictions

Fees and Restrictions - 4.8 / 5

When it comes to fees, Chase has almost the same amount other large banks have. There is a maintenance fee on all checking accounts, but these are waived if certain conditions are met, such as maintaining a minimum balance or by doing a minimum monthly deposit. Chase won't charge users for a card replacement, but it will charge $5 if they request expedited delivery. There are fees for withdrawing cash from non-chase banks, as well as a $2.50 fee for non-Chase ATM inquiries, transfers, or withdrawals. There is a $34 overdraft fee, although it can be waived if customers link a Chase savings account as a backup. Other fees include a $30 per request stop payment fee, $12 fee on deposited or cashed checks returned, and domestic and international wire fees. Here at ConsumersAdvocate.org we recommend customers to read all of Chase's Checking fees before committing to any of their accounts.
Maintenance Fee
Total Checking: $12 monthly, Premiere Plus Checking: $25, Sapphire Checking: $25
Minimum Balance
Total Checking: $1,500 daily, or $5,000 combined balance from this and linked qualifying deposit/investment accounts. Premier Plus: $15,000 daily.
Minimum Monthly Deposit
Total Checking: $500 Premiere Plus Checking: $, Sapphire Checking: $25
Maximum Number of Insufficient Funds Fees Per Day
3
Other Fees
Incoming Wire Fee
Expedited Delivery for Replacement Card Fee
Check Reorder Fee
Stop Payment Fee
Insufficient Funds Fee
Deposited Item Returned Fee
Bounced Check Fee

Chase Bank Support, Reputation, and Financials

Support, Reputation, and Financials - 4.3 / 5

Chase Bank has mixed reviews online. We found many customers praised the company's easy-to-use website, tools, and mobile app, while others complained about the high monthly fees and poor interest rates. In addition, JPMorgan Chase & Co. received 1.03 out of 5 stars based on 203 Customer Reviews and a BBB Rating of F.
BBB Rating
F
BBB Total Complaints
2,479
BBB Resolved Complaints
580
Trust Pilot Rating
4.1 out of 5
Consumer Financial Protection Board (CFPB) Complaints
54,979
Date Collected
2018-09-05
Year Founded
2000
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
Aa2
Live Help 24/7
Yes
Customer Support Hours
Existing accounts and deaf & hard of hearing customers: Live representative help by phone 24/7

Contact Methods

  • Phone
  • Email
  • Chat
  • Social Media

Company Profile

Full Name
Chase Total Checking® Account
Company Website
https://www.chase.com/
Headquarters
201 North Walnut Street, Wilmington, DE, 19801

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Customer Comments & Reviews

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bcvan305
4/26/2023
I've had my checking account with chase for a year and every time I deposit a check they put a 10 day hold on them all the time and I have to call there 800 number to release my funds they try to hold peoples $ hostage so they can use it for the holding time they are just greedy and the positions should stop them from doing this that's why there name is chase bank because u have to chase ur own money dirty sobs

cschroth3960
2/14/2023
If I could give a minus star rating I would. Very unprofessional, hold monies for no just cause causing your account to go into overdraft, charging ridiculous fees....I am very disappointed and downright pissed at Chase Bank. I deposited a $4k check via teller into my account. This check was from home insurance company for property damage I sustained 2 months ago to my home. The teller did not tell me that they would hold the check. I call today and the check is being held until 02/23 which is one week away which is going to mess up my direct deposit from employer because my employment check will go to what is overdrawn in my account and I will have no money for over a week, not for gas or... Read More

W
Whitney K
11/29/2022
I used CHASE online bill pay to pay a supplier invoice. When the supplier notified me that they had NOT received the check/payment, I visited a local branch to see what was going on. CHASE said it had not been cashed and put a stop payment on it. I waited a week for the sum to be refunded to our account before going back to the bank. Chase takes the money out of your account BEFORE the check/payment is received by the PAYEE. It turns out the check HAD been cashed prior to my first visit by a mail thief who changed the PAYEE name and cashed the check via ETRADE online (backed by Morgan Stanley Private Bank). I did everything I was asked including filing claims with the post office and... Read More

whartong
5/2/2022
I have been screwed by this company too many times. They don't appear to give a Fu*k about you as a customer. I made a payment to my credit card which brought it to a zero balance, in preparation of a business trip out of state. This was done several business days prior to my departure via another financial institution. (Direct payment) When I arrived at my destination, and tried to use my Chase credit card, I was informed that it was denied. Fortunately, I was able to use another card. When I inquired about this issue, I was told that it was on a 5 day hold so they could verify that my bank would honor the payment (that they just made on my behalf) I talked with a supervisor, and she said... Read More

K
Kerry D
10/22/2021
Chase is the worst bank out there right now. They have a bunch of wet behind the ears employees because they cannot retain employees. After 25 years they changed the rules on deposits without notice. The new employees and even older management does not know the law. They wasted an hour of my time today and I just needed to deposit a check. They were rude and do not understand their own rules. Check should have been deposited and let main bank make final decision since they not know what they are doing at the branch level I transferred my money to another bank today and will close that account after 25 years on Monday. Pay enough to hire professionals!!!!!

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