Chase Bank Total Checking Review

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 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 4,900 branches
• Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
• Open your account online now.
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Click Here to Get Deal

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

Account Features

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

• Access to 16,000 ATMs

• Nearly 4,900 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

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 4,900 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.

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.