This Chase checking account comes with a $200 sign-up bonus and easy ways to waive the monthly fee

Select ’ s editorial team works independently to review fiscal products and write articles we think our readers will find utilitarian. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners. It can be a puff to open a modern control report with all the make you have to do to update direct down payment and set up all your autopayments. But more and more banks make it worth your while by offering raw customers a bonus once they open an account and meet certain requirements. The Chase Total Checking® score offers a $ 200 bonus for fresh customers and a top-rated mobile app that makes bank easy. With both physical and on-line trust options, you can tailor your feel to your needs. Chase Total Checking ranks on our list of best checking account bonuses of 2021 because, in addition to the bless bonus, there is no minimum balance requirement to open a newly history.

note that the bonus applies only to new Chase customers. If you presently have a discipline account with Chase, have received a Chase account-opening related bonus in the past two years and/or have closed an history within 90 days or closed an account with a negative balance, you wo n’t be eligible for the bonus. To make your research easier, Select reviewed the Chase Total Checking account. We considered APY, access to cash, perks and fees. ( Read more about our methodology below. )

Chase Total Checking Review

Chase Total Checking®

Learn More On Chase ‘s secure locate

  • Monthly maintenance fee

    $ 12, with options to waive

  • Minimum deposit to open

    $ 0

  • Minimum balance

    $ 1,500 daily balance to avoid monthly alimony tip

  • Annual Percentage Yield (APY)

    none

  • Free ATM network

    16,000 Chase ATMs

  • ATM fee reimbursement

    none

  • Overdraft fee

    Chase Overdraft Assist℠ offers a $ 0 overdraft fee when you overdraw your account $ 50 or less* We wo n’t charge an overdraft fee if you are overdraw $ 50 or less at the end of the occupation day. Chase may pay, for a $ 34 fee, overdraft transactions at our discretion based on your account history, deposits and transaction total. If you ‘ve enrolled in Debit Card Coverage, casual debit wag purchases like groceries, may be approved at our discretion when you do n’t have enough money in your report .

  • Mobile check deposit

    Yes

*Terms apply .

APY

The APY for this account is 0 %. You will not earn pastime on the money you have in this control report. The average APY for interest control accounts is moo across the board, and many traditional banks do n’t pay out interest on their check accounts .

Access to your cash

Users can withdraw cash for dislodge at over 16,000 Chase ATMs around the nation or inflict more than 4,700 branches countrywide. daily withdrawal limits hood at $ 500 for non-Chase ATMs ( $ 1,000 for Connecticut, New Jersey and New York ), $ 1,000 for Chase ATMs and $ 3,000 for in-person withdrawals at the bank. Debit menu users are limited to $ 3,000 in daily purchases .

Perks

There is no minimal sediment for you to open an explanation, but there is a $ 12-per-month maintenance tip unless you meet the requirements to waive it ( we explain more below ). New account holders can earn a $ 200 bonus when they set up send deposit within 90 days of account opening and keep the new report open for at least six months. ( Chase deposits the bonus into your account within 10 occupation days. If you close the history within six months of opening it, Chase will deduct the bonus amount at close. ) You can send and receive money with Zelle® and situate checks through the fluid app. Chase uses 128-bit encoding technology to protect your username, password and other personal account information when you ‘re using the site or apps

Fees

There is a monthly service fee of $ 12, but you may qualify for a fee release when you meet one of the succeed requirements :

  • Receive electronic deposits (including employer direct deposits or government benefit providers) totaling $500 or more
  • Maintain a daily balance of $1,500 or more
  • Maintain an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other accounts

Non-Chase ATM transactions besides come with fees : Withdrawals, inquiries and transfers cost $ 2.50 within the U.S., Puerto Rico and Virgin Islands. International fees differ slightly, at $ 5 per coitus interruptus and $ 2.50 for any transfers or inquiries ( not including fees from the ATM servicer ). Chase charges a $ 34 insufficient store fee ( for transactions exceeding $ 5 over your counterweight ) and a $ 34 returned transactions fee when account holders opt in to Chase Debit Card Coverage This feature gives Chase permission to approve and pay for your everyday debit card transactions when you do n’t have enough money available. You ‘ll have until the end of the occupation day/cutoff prison term to transfer or deposit enough money to avoid an insufficient Funds Fee on these transactions. There ‘s a three-per-day maximal for these fees ( totaling $ 102 ), and they do n’t apply to withdrawals made at an ATM. Unless you opt in to Chase Debit Card Coverage, transactions will mechanically be declined when there are insufficient funds available, and you will not be charged a tip. wire transfers can incur assorted charges depending on the terms of the transfer. here are the charges for each :

  • Domestic or international incoming wire transfers: Chase charges a $15-per-transfer fee that can be waived if the transfer was originally sent with the help of a Chase banker or using Chase.com or Chase Mobile, in addition to any processing fees from other financial institutions.
  • Domestic wire transfers out of your account: Chase charges a $35-per-transfer fee when you use the help of a banker. That fee is reduced to $25 when you use chase.com or Chase mobile.
  • Transfers from your account to an international account: Chase charges a $50-per-transfer-fee when you use the help of a banker and $40 per transfer when you make the wire transfer online or from Chase mobile.
  • Wire transfer from your checking account to a bank outside the U.S. in a foreign currency: Chase charges a $5-per-transfer fee that is waived for transactions equal to $5,000 or more.

Bottom line

The Chase Total Checking® account offers a gamey bonus put up when you set up send deposit, plus easily ways to waive the monthly fee .

Our methodology

To determine which checking accounts provide the best identify to deposit your money and earn a bonus, Select analyzed dozens of U.S. checking accounts offered by on-line and brick-and-mortar banks, including major credit unions. We narrowed down our rankings by only considering checking accounts that have bonuses available to new applicants. While the accounts we chose in this article all have bonus offers, we besides compared each checking account on a range of features, including :

  • Reasonable bonus requirements
  • Available nationwide
  • Physical branch locations and/or online accessibility
  • Large ATM network
  • FDIC or NCUA insured up to $250,000

All of the accounts included on this tilt are Federal Deposit Insurance Corporation ( FDIC ) or National Credit Union Administration ( NCUA ) insured up to $ 250,000. This insurance protects and reimburses you up to your balance and the legal limit in the event your bank or credit union fails. The rates and tip structures for checking accounts are subject to change without notice and they much fluctuate in accordance with the prime rate.

Your earnings depend on any associate fees and the balance you have in your check account. To open an score, some banks and institutions may require a deposit of modern money, meaning you ca n’t transfer money you already had in an account at that depository financial institution. Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff ’ randomness alone, and have not been reviewed, approved or differently endorsed by any third gear party .

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Category : Finance

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