The Chase Total Checking Account offers many convenient banking services at over 16,000 Chase ATMs and 5,100 branches.
Plus, you can Get $200 When You Open a New Chase Total Checking Account and set up a direct deposit.
Chase Total Checking Account Review
If you need basic banking services, like a free debit card, mobile banking, online banking, and online bill pay, then the Chase Total Checking® Account is a good option.
There is a $12 monthly service fee, but you can avoid this fee by setting up a direct deposit OR maintaining a $1,500 minimum daily balance in your account.
If you need additional banking services, like free money orders, a free safe deposit box, and free checks, then you may wish to consider the Chase Premier Plus Checking Account instead.
I recently opened a new Chase Total Checking Account at my local Chase Bank branch, and it only took me about 20 minutes in total.
If you’re looking to redeem a coupon code when opening your Chase Total Checking Account, like I did, then you’ll have to open it in-branch, but you can otherwise open a Chase Total Checking Account online, if you don’t want to redeem a coupon code during the initial application.
It is possible to Retroactively Redeem Chase Coupon Codes, but it’s best to provide your coupon during account opening, in order to ensure that you receive your bonus.
Chase Total Checking Account Benefits and Features
- $25 minimum deposit to open account.
- Free Chase Debit Card with chip technology.
- Access to over 16,000 Chase ATMs and 5,100 branches.
- Access to Chase DepositFriendly ATMs.
- 24/7 customer service.
- Chase Online Banking with Online Bill Pay and Mobile Banking tools.
- Account Alerts via text or email.
Avoid Monthly Fees for Chase Total Checking Account
There are 3 ways to avoid the monthly maintenance fee (you must do at least 1):
1. Have direct deposits totaling $500 or more made to your account.
2. Have a $1,500 or higher minimum daily balance in your account.
3. Have an average daily balance of $5,000 or more in qualifying linked deposits and/or investments.
You will not be charged the Chase Total Checking Account monthly service fee for the first 60 days after account opening.
Chase Total Checking Account Summary
I’ve had several iterations of Chase’s basic checking account over the years, including multiple Chase Total Checking Accounts.
Their customer service has always been easy to deal with, and my local Chase bankers are very nice people in general.
When I opened my most recent account in person, it only took about 20 minutes in total, and I was provided with a receipt for my bonus upon account opening.
I have Chase Bank branches in every direction from where I live, and I can pretty much perform any banking service that I need from within the Chase Online Banking portal.
If you want the convenience of visiting a local branch, the Chase Total Checking Account is a great basic banking account.