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•
WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT
1
CHASE TOTAL CHECKING
®
A GUIDE TO YOUR ACCOUNT
†
It’s important that you understand how your Chase Total Checking account works.
We’ve created this Guide to explain the fees and some key terms of your personal account.
MONTHLY
SERVICE FEE*
Monthly Service Fee $12
Ways to Avoid the
Monthly Service Fee
$0 Monthly Service Fee when you have any ONE of the following during each
monthly statement period:
• Electronic deposits made into this account totaling $500 or more, such as
payments from payroll providers or government benet providers, by using (i)
the ACH network, (ii) the Real Time Payment or FedNow
SM
network, or (iii) third
party services that facilitate payments to your debit card using the Visa
®
or
Mastercard
®
network
• OR, a balance at the beginning of each day of $1,500 or more in this account
• OR, an average beginning day balance of $5,000 or more in any combination
of this account and linked qualifying deposits
1
/investments
2
ATM FEES
Non-Chase ATM
(Avoid these fees by
using a Chase ATM)
$3 per withdrawal at a non-Chase ATM in the U.S. and the U.S. territories
$5 per withdrawal at a non-Chase ATM outside the U.S. and the U.S. territories
Surcharge Fees from the ATM owner/network still apply. U.S. territories include
American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the
U.S. Virgin Islands
Fees for using your account when you don’t have enough money in it or it’s already overdrawn
OVERDRAFT FEES
Overdraft:
Chase pays a
transaction
during our nightly
processing
on a business
day when your
account balance is
overdrawn
$34 Overdraft Fee per transaction during our nightly processing beginning with
the rst transaction that overdraws your account balance by more than $50.
• Maximum of 3 fees per business day (up to $102)
We won’t charge an Overdraft Fee:
• With Chase Overdraft Assist
SM
, if you’re overdrawn by $50 or less at the end of
the business day OR if you’re overdrawn by more than $50 and you bring your
account balance to overdrawn by $50 or less at the end of the next business
day (you have until 11 p.m. ET (8 p.m. PT) to make a deposit or transfer).
Chase Overdraft Assist does not require enrollment and comes with eligible
Chase checking accounts
• If your transaction is $5 or less
• If your debit card transaction was authorized when there was a sucient
available balance in your account
• If your check or ACH is returned unpaid. However, we may charge an Overdraft
Fee if a previously returned check or ACH is presented again and paid
• If your debit card transaction or ATM cash withdrawal request is declined
You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business
day ends and we start our nightly processing. Here are the cuto times for some ways of making a deposit or transferring
funds from another Chase account:
• At a branch before it closes
• At an ATM before 11 p.m. Eastern Time (8 p.m. Pacic Time)
• When transferring money on chase.com or Chase Mobile
®
or using Zelle
®
before 11 p.m. Eastern Time (8 p.m. Pacic Time)
If you deposit a check, this assumes we do not place a hold and the check is not returned. Additional cuto times apply to
other transfers, including transfers from non-Chase accounts. Please visit chase.com or Chase Mobile for more information
and service agreements.
† For the complete terms governing your account, please consult the Deposit Account Agreement. The terms of the account, including any fees or features, may change.
*
NewandconvertedaccountswillnotbechargedaMonthlyServiceFeeforatleastthersttwostatementperiods.AfterthattheMonthlyServiceFeewillapplyunlessyoumeetoneofthewaystoavoidtheMonthlyServiceFeeeach
statement period (if applicable).
1 Qualifying personal deposits include Chase First Checking
SM
accounts, personal Chase savings accounts (excluding Chase Premier Savings
SM
and Chase Private Client Savings
SM
), CDs, certain Chase Retirement CDs, and certain Chase
Retirement Money Market Accounts.
2 QualifyingpersonalinvestmentsincludebalancesininvestmentandannuityproductsoeredthroughJPMorganChase&Co.anditsaliatesandagencies.Formostproducts,weusedailybalancestocalculatetheaveragebeginning
day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and
certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.
J.P.MorganWealthManagementisabusinessofJPMorganChase&Co.,whichoersinvestmentproductsandservicesthroughJ.P. Morgan Securities LLC(JPMS),aregisteredbroker-dealerandinvestmentadviser,member
FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services
areprovidedbyJPMorganChaseBank,N.A.(JPMCB).JPMS,CIAandJPMCBarealiatedcompaniesunderthecommoncontrolofJPMorganChase&Co.Productsnotavailableinallstates.
INVESTMENT AND INSURANCE PRODUCTS:
• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE