Chase Total Checking® Account
The Chase Total Checking® account is a solid beginner account that offers basic value and an opportunity to get your monthly fee waived.
It’s especially worth considering because of the $225 bonus — it’s easy to qualify for, especially compared to a lot of other bank account bonuses.
Chase Total Checking is the bank’s beginner checking account that offers basic value without the special perks of premium accounts.
However, new account holders can earn a $225 checking bonus when they open a new Chase Total Checking account and set up direct deposit.
Additionally, this Chase checking account features a monthly maintenance fee that is easy to get waived.
Chase Total Checking Account benefits
Earn a $225 bonus as a new Chase checking customer after opening a Chase Total Checking® account and set up direct deposit.
$12 monthly service fee waived with a minimum balance of $1,500 (see terms below)
In-branch customer service in any of Chase’s nationwide locations.
Mobile deposits and account management with the Chase app.
Access to 16,000 ATMs and over 4,700 branches.
FDIC insured
How to Waive the $12 Monthly Fee
While the minimum opening deposit balance is $0, most people want to know the minimum daily balance to waive the monthly fee. This Chase account comes with a $12 monthly service fee. However, you can get that fee waived in one of three ways:
- Have direct deposits totaling $500 or more in new money each monthly statement period
- Have a daily balance of at least $1,500 at the beginning of each day
- Have an average beginning day balance of $5,000 or more in any combination of linked qualifying Chase checking, savings, and other accounts
Qualifying personal balances include Chase First Checking℠ accounts, personal Chase savings accounts (excluding Chase Premier Savings℠ and Chase Private Client Savings℠), CDs, certain Chase Retirement CDs, and certain Chase Retirement Money Market Accounts.
Apply here.
Refer your friends and get rewards
Get a cash bonus of up to $500
Earn $50 for each friend who opens a qualifying Chase checking account – up to $500 per year.Enter your information to invite friends and track your cash bonuses.
The referral bonus offer is available to eligible personal checking account holders approximately 30 days after account opening. To receive the $50 Refer-A-Friend bonus:
- 1) Refer your family and friends to open a New Chase Total Checking® account with qualifying activities through this referral site;
- 2) Referred candidate must be a new Chase customer and open a Chase Total Checking® account with qualifying activities using corresponding coupon;
- AND 3) After your referred family and friends have opened their Chase Total Checking® account, we’ll deposit the $50 bonus into your primary checking account within 30 days, provided both the customer and friend accounts are not closed or restricted at the time of payout. You can receive up to 10 referral bonus deposits (totaling $500) per calendar year. Eligibility may be limited based on account ownership. Bonuses are considered miscellaneous income, and may be reportable to you and the IRS on Form 1099-MISC (or Form 1042-S, if applicable). Employees of JPMorgan Chase Bank, N.A. and its affiliates are not eligible for the Refer-A-Friend Program.
Refer-A-Friend program is available for the following account types:
Chase Total Checking®, Chase College CheckingSM, Chase Premier Plus CheckingSM, Chase SapphireSM Checking, Chase Private Client CheckingSM, Chase Secure BankingSM, and some Chase legacy checking accounts such as Chase Better Banking® Checking, Chase Premier CheckingSM, and Chase CheckingSM.