November 7, 2019

Chase Bank Total Checking Review

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Chase Total Checking has a big bonus coupon code. But are the fees worth it? Read this review to see the requirements and how it compares.

    Chase

    Chase Total Checking®

    • Enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit
    • Access to 16,000 Chase ATMs and nearly 5,000 branches
    • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
    • Apply online in minutes
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Bonus Offer and Qualifications

Chase is offering a $200 bonus for new Chase Total Checking customers. Follow these steps to claim the bonus:

  1. Open a Chase Total Checking Account

  2. Set up a qualifying direct deposit within 90 days; a qualifying direct deposit must come from either an employer or the government in the form of a paycheck, pension, or benefits like Social Security

  3. Keep the account open for at least 6 months

You should receive the bonus within 10 days of the requirements being met. Read on to learn about the features of the Chase Total Checking account.

Restrictions to the Bonus Offer
The $200 bonus offer is only available to new customers. A new customer is someone who has not had a Chase Total Checking account within the past 90 days.

You won't be eligible for the $200 bonus if you:

  • Are an existing Chase checking customer
  • Have a fiduciary account with Chase
  • Closed a Chase checking account within the past 90 days
  • Have an account with a negative balance
  • Live in Alaska, Hawaii, or Puerto Rico

Sign-up bonuses are considered taxable interest. You'll need to include the $200 bonus on Form 1099-INT when filing your taxes for the year that you received the funds.

Account Features

Chase doesn't require a minimum opening deposit for its Total Checking. The account offers:

  • Access to 16,000 ATMs

  • Nearly 5,000 branches to visit

  • Online banking including free bill pay service

  • Mobile banking with the Chase Mobile App

  • QuickDeposit: Deposit checks by simply snapping a picture

  • Free debit card

  • Account alerts via text, email, or push notifications when there is a charge, refund, or transaction

The Chase Total Checking account is available to everyone, except those residing in Alaska, Hawaii, and Puerto Rico.

Fees

Chase Total Checking account has a $12 monthly service fee. But you can avoid it by doing any one of the following:

  • Have over $500 of direct deposits into the account each month

  • Keep a daily balance of at least $1,500

  • Maintain an average daily balance of at least $5,000 across a combination of qualifying Chase checking, savings, and other accounts

Pros and Cons

Pros

  • Access to nearly 5,000 branches and 16,000 ATMs
  • No minimum deposit requirement to open an account
  • Easy requirements for earning the $200 bonus

Cons

  • Monthly maintenance fee of $12, although avoidable
  • Fees for wires, overdrafts, and insufficient funds
  • Chase only operates in 28 states

How to Open a Chase Total Checking Account

You have two options for applying:

  • Online
    You'll be asked to provide basic information such as name, address, SSN, and a government ID number.

  • At a Chase Branch
    Enter your email on Chase's website to receive a bonus offer coupon. Take the coupon and your photo ID to your closest Chase branch to open an account with a representative.

Applying for the Chase Total Checking account will result in a soft pull on your credit. This will not negatively impact your credit score.

Add to Your Bonus

If you open a Chase Savings account with your Total Checking, you can earn another $150 in bonus money.

Here's what you need to do:

  1. Open a Chase Savings account

  2. Deposit at least $10,000 of new money into the new savings account within 20 business days

  3. Maintain a balance of at least $10,000 for 90 days from the date of deposit

The bonus will be deposited into your account within 10 business days.

Fees
Chase Savings accounts have a $5 monthly service fee. But you can avoid it by doing one of the following:

  • Maintain a beginning daily balance of at least $300

  • Have one repeating automatic transfer of $25 or more from a Chase personal checking or Chase Liquid Card

  • Link a Chase College Checking account to the savings account for overdraft protection

  • Have an account owner who is younger than 18

  • Link a Chase Better Banking Checking, Chase Premier Checking, Chase Sapphire Checking, or Chase Private Client Checking account

Bottom Line

Opening a Chase Total Checking account as a new customer can earn you a $200 bonus. All you need to do is set up a direct deposit within the first 90 days from either an employer or the government.

Chase Total Checking offers several perks, including mobile banking features and QuickDeposit for checks.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

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