Total Checking Account Overview
Chase Total Checking is an everyday checking account built for spending, deposits, transfers, bill payments, and branch or ATM access. It may fit people who want a large bank account with strong digital tools and broad in-person access.
Its main strength is convenience. Its main tradeoff is the $15 monthly fee unless you meet 1 of Chase’s listed waiver options. Chase Bank is the largest bank in the United States by assets and number of branches. It has branches in all of the 48 contiguous states plus D.C.
Chase Total Checking is included in our list of Best Checking Accounts in Utah.
Read our full Chase Bank profile.
Chase is also included in our list of Best Banks in Utah.
Quick Summary
| Detail | Information |
|---|---|
| Account | Total Checking |
| Institution | Chase Bank |
| Monthly Fee | $15 or $0 if you qualify |
| Minimum Opening Deposit | $0 |
| APY | None |
Key Details
Basic Account Details
- Monthly fee: $15
- How to avoid the fee:One of these:
- $500+ in qualifying electronic deposits each statement period
- Keep $1,500+ at the beginning of each day
- Keep $5,000+ average beginning day balance in eligible linked balances, or link to a qualifying Chase account
- Minimum opening deposit: $0
- Minimum balance requirement: $0
- Interest-bearing or not: No
Access and Banking Tools
- Debit card: Yes, with a Chase Visa debit card
- Checks: Yes
- Digital wallet: Yes
- ATM access: Access to more than 14,000 Chase ATMs
- Online banking: Yes
- Mobile banking: Yes, including mobile check deposit
- Zelle or other P2P payments: Yes
- Online bill pay: Yes
- Account alerts: Yes, including card controls in the mobile app
- Availability in Utah: Available through Chase Bank in Utah
Overdraft and Transaction Costs
- Overdraft fee: $34 per item, up to 3 per business day
- NSF fee: $0 for returned items
What This Account Offers
Chase Total Checking is built for everyday banking. You can use it for debit card purchases, direct deposit, ATM access, bill payments, transfers, mobile check deposit, and Zelle payments. It works well for people who want 1 main checking account for daily money movement without needing a more specialized account.
A big part of Chase Total Checking’s value is convenience and access. You can manage it online, in the Chase mobile app, and through Chase’s large ATM and branch network. Deposits in this account are insured by the FDIC through Chase Bank for up to $250,000 per depositor, per ownership category. Read our What FDIC Insurance Means for Utah Bank Customers guide if you want to learn more about deposit insurance.
Fees to Know
| Fee | Amount |
|---|---|
| Monthly maintenance fee | $15 |
| Overdraft fee | $34 per item, up to 3 per business day |
| NSF fee | $0 for returned items |
| Non-Chase ATM transaction fee | $3 in the U.S. and U.S. territories |
| Paper statement fee | $0, $6 for past statements. |
| Online stop payment fee | $25 per request |
| Stop payment fee | $30 per request |
How to Open the Account
You can open Chase Total Checking online at chasebank.com or in a branch. That gives you flexibility if you want to apply on your own or get help in person.
There is no minimum opening deposit. After opening the account, it must be funded within 30 days.
Documents Needed
- Name
- Residential address
- Date of birth
- Social Security number
- Driver’s license or other identifying documents
- If you are opening the account with another person, have all applicants present during the application process.
How to Apply with an ITIN
- In-branch only: You generally cannot open a Chase checking account online with an ITIN. You need to visit a Chase branch in person to apply.
- Identification needed: Bring 2 forms of identification. 1 must be a primary government-issued ID.
- Primary ID: Valid passport, Matrícula Consular Card, or U.S. Employment Authorization Card.
- Secondary ID: This can include a U.S. driver’s license, student ID, utility bill, or pay stub.
- Proof of U.S. address: Bring documentation showing your physical U.S. residential address, such as a lease agreement or utility bill.
If you want a broader step-by-step overview, read our guide on how to open a bank account in Utah.
Pros and Cons
Pros
- Largest ATM and branch network in the U.S. for everyday access
- Strong digital banking tools, including mobile banking, bill pay, and Zelle
- Several ways to avoid the monthly fee
- $0 NSF fee for returned items
Cons
- $15 monthly fee if you do not meet a waiver option
- No interest on balances
- $34 overdraft fee can still be expensive
- Non-Chase ATM fees apply when you use out-of-network ATMs
Who This Account May Be Best For
Chase Total Checking may be a good fit for someone who wants a main checking account at a large national bank with strong digital tools and the option to bank in person when needed. It can make the most sense if you expect to meet 1 of the fee waiver options and want an account for everyday spending, direct deposit, bill pay, and routine money management.
If you cannot meet any of the waiver options, there are plenty of other accounts in our Best Checking Accounts in Utah guide that do not charge a monthly fee.
If you are comparing major national banks, read our Chase vs. Wells Fargo comparison for a closer look at how they differ.
Final Thoughts
Chase Total Checking is a practical everyday checking account for people who want easy access to branches, ATMs, and digital banking tools in 1 place.
The main drawback is the monthly fee if you do not meet 1 of the waiver options. For someone who values convenience and access, it can be a solid fit. For someone focused on avoiding fees no matter what, another checking account may be a better choice.
COMPARING OPTIONS?
Business Accounts Options?
Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Chase Bank. Information may change after publication, so please verify details directly with the institution. UtahFi does not guarantee the accuracy of this content. The name and logo are trademarks of JPMorgan Chase Bank.
