Chase Total Checking - A Guide To Your Account (PDF)

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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 benet providers, by using (i)

the ACH network, (ii) the Real Time Payment or FedNow

network, or (iii) third

party services that facilitate payments to your debit card using the Visa

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

/investments

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

, 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 sucient

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. Pacic Time)

• When transferring money on chase.com or Chase Mobile

or using Zelle

before 11 p.m. Eastern Time (8 p.m. Pacic 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.

 NewandconvertedaccountswillnotbechargedaMonthlyServiceFeeforatleastthersttwostatementperiods.AfterthattheMonthlyServiceFeewillapplyunlessyoumeetoneofthewaystoavoidtheMonthlyServiceFeeeach

statement period (if applicable).

1 Qualifying personal deposits 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.

2 QualifyingpersonalinvestmentsincludebalancesininvestmentandannuityproductsoeredthroughJPMorganChase&Co.anditsaliatesandagencies.Formostproducts,weusedailybalancestocalculatetheaveragebeginning

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.MorganWealthManagementisabusinessofJPMorganChase&Co.,whichoersinvestmentproductsandservicesthroughJ.P. Morgan Securities LLC(JPMS),aregisteredbroker-dealerandinvestmentadviser,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

areprovidedbyJPMorganChaseBank,N.A.(JPMCB).JPMS,CIAandJPMCBarealiatedcompaniesunderthecommoncontrolofJPMorganChase&Co.Productsnotavailableinallstates.

INVESTMENT AND INSURANCE PRODUCTS:

• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

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•

WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

CHASE TOTAL CHECKING

CHASE DEBIT

CARD COVERAGE

AND FEES

(Please visit

www.chase.com/checking/

debit-card-coverage

for additional details.)

Chase Debit Card Coverage: You can choose how we treat your everyday (not recurring) debit card

transactions when you don’t have enough money available. Please note: Regardless of which option

you choose for Chase Debit Card Coverage, you may also want to sign up for Overdraft Protection if you

are eligible. Please visit www.chase.com/OverdraftProtection for more details, including terms and

conditions.

OPTION #1 (YES): You ask us to add Chase Debit Card Coverage

This means you want Chase to authorize and pay your everyday debit card transactions, at our

discretion, when you don’t have enough money to cover a transaction (this includes available funds in

your linked Overdraft Protection account, if enrolled). Overdraft Fees may apply.

Overdraft

$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, 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 sucient

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

OPTION #2 (NO): No Chase Debit Card Coverage (If you don’t choose an option when you

open your account, Option #2 (No) is automatically selected for you)

This means you do not want Chase to authorize and pay your everyday debit card transactions when

you don’t have enough money to cover a transaction (this includes available funds in your linked

Overdraft Protection account, if enrolled). Since everyday debit card transactions will be declined when

there is not enough money available, you won’t be charged an Overdraft Fee for everyday debit card

transactions.

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. Pacic Time)

• When transferring money on chase.com or Chase Mobile or using Zelle before 11 p.m. Eastern Time (8 p.m. Pacic 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.

See the next page for other fees that may apply.

3 Important details about your Chase Debit Card Coverage: An everyday debit card transaction is a one-time purchase or payment, such as groceries, gasoline or dining out, and includes PIN and non-PIN point-of-sale

transactions.Whetherornotyouchoosetohaveyoureverydaydebitcardtransactionscoveredwillnotaectthewaywetreatyourrecurringdebitcardtransactions(suchasmonthlymovierentals,gymmembershipsorsubscriptions)

whenyoudon’thaveenoughmoneyinyouraccounttocoverthetransactions.Wemay,atourdiscretion,authorizeandpayarecurringdebitcardtransactionthatcausesanoverdraftandchargeanOverdraftFee.

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS)

•

WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

CHASE TOTAL CHECKING

HOW

DEPOSITS AND

WITHDRAWALS

WORK

The Order in

Which Withdrawals

and Deposits

Are Posted During

Our Nightly

Processing

Posting order is the order in which we apply deposits and withdrawals to your

account. We provide you with visibility into how transactions are posted and in

what order to help you better manage your account.

When we transition from one business day to the next business day we post

transactions to and from your account during our nightly processing. The order

in which we generally post transactions during nightly processing for each

business day is:

• First, we make any previous day adjustments, and add deposits to your

account.

• Second, we subtract transactions in chronological order by using the date

and time of when the transaction was authorized or shown as pending.

This includes ATM and Chase banker withdrawals, transfers and payments;

automatic payments; chase.com or Chase Mobile online transactions; checks

drawn on your account; debit card transactions; wire transfers; and real time

payments. If multiple transactions have the same date and time, then they are

posted in high to low dollar order.

- There are some instances where we do not have the time of the transaction

therefore we post at the end of the day the transaction occurred:

• We are unable to show the transaction as pending; or

• We don’t receive an authorization request from the merchant but the

transaction is presented for payment.

• Third, there are some transactions that we cannot process automatically or

until we’ve completed posting of your chronological transactions. This includes

Overdraft Protection transfers or transfers to maintain target balances in other

accounts. We subtract these remaining transactions in high to low dollar order.

• Finally, fees are assessed last.

If you review your account during the day, you will see that we show some

transactions as “pending.” For details, refer to the section “Pending” transactions

in the Deposit Account Agreement. These transactions impact your available

balance, but have not yet posted to your account and do not guarantee that

we will pay these transactions to your account if you have a negative balance

at that time. We may still return a transaction unpaid if your balance has

insucient funds during that business day’s nightly processing, even if it had

been displayed as a “pending” transaction on a positive balance during the day.

If a transaction that you made or authorized does not display as “pending,” you

are still responsible for it and it may still be posted against your account during

nightly processing.

When Your Deposits

Are Available

(See Funds

Availability Policy in

the Deposit Account

Agreement for

details)

• Cash deposit – Same business day

• Direct deposit/wire transfer – Same business day

• Check deposit – Usually the next business day, but sometimes longer:

- If we place a longer hold on a check, the rst $225 will be available by the

next business day

- The date your deposit is expected to be available will be displayed on your

receipt

- In some situations, we may notify you at the time or after your deposit is

made that your funds (including the rst $225) will not be available for up to

seven business days

A “business day” is a non-holiday weekday. The cuto times listed in the section

above will determine the “business day” for your deposit.

OTHER ATM

AND DEBIT CARD

FEES

Card Replacement – Rush Request: You request express shipping of a

replacement debit or ATM card

(Avoid this fee by requesting standard shipping)

$5 per card, upon request

Non-ATM Cash: You use your Chase Debit Card to withdraw cash from

another nancial institution (excluding ATMs)

3% of the dollar amount of

the transaction OR

$5, whichever is greater

Foreign Exchange Rate Adjustment: You make card purchases,

non-ATM cash transactions or ATM withdrawals in a currency other

than U.S. dollars

3% of withdrawal amount

after conversion to U.S.

dollars. For additional

information on foreign

exchange rates, refer to the

Deposit Account Agreement

See the next page for other fees that may apply.

CHASE TOTAL CHECKING

WIRE TRANSFER

FEES

Domestic and International Incoming Wire: A wire transfer is

deposited into your account

$15 per transfer OR

$0 if the transfer was

originally sent with the help

of a Chase banker or using

chase.com or Chase Mobile

Domestic Wire: A banker helps you to send a wire to a bank account

within the U.S.

$35 per transfer

Online Domestic Wire: You use chase.com or Chase Mobile to send a

wire from your account to a bank account within the U.S.

$25 per transfer

Consumer USD/FX International Wire: A banker helps you send a wire

to a bank account outside the U.S. in either U.S. dollars (USD) or foreign

currency (FX)

$50 per transfer

Consumer Online USD International Wire: You use chase.com or

Chase Mobile to send a wire from your account to a bank account

outside the U.S. in U.S. dollars (USD)

$40 per transfer

Consumer Online FX International Wire: You use chase.com or Chase

Mobile to send a wire from your account to a bank account outside the

U.S. in foreign currency (FX)

$5 per transfer OR

$0 per transfer if the

amount is equal to $5,000

USD or more

For wire transfers you send or we receive in a foreign currency, the exchange rate is determined by us in our sole discretion

and includes a spread, which we may make a commission from when completing the foreign currency exchange. You should

expect that these foreign exchange rates will be less favorable than rates quoted online or in publications. For additional

information on these rates, refer to the Deposit Account Agreement and Wire Transfers Agreements.

OTHER FEES

Stop Payment: You contact us and a banker places your stop payment

request on a check or ACH

$30 per request

Online or Automated Phone Stop Payment: You use chase.com, Chase

Mobile or our automated phone system to place a stop payment on a

check. Only some types of stop payments are available

$25 per request

Order for Checks or Supplies: An order of personal checks, deposit

slips or other banking supplies

Varies (based on items

ordered)

Counter Check: A blank page of 3 personal checks we print upon your

request at a branch

$3 per page

Money Order: A check issued by you, purchased at a branch, for an

amount up to $1,000

$5 per check

Cashier’s Check: A check issued by the bank, purchased at a branch, for

any amount and to a payee you designate

$10 per check

Legal Processing: Processing of any garnishment, tax levy, or other

court administrative order against your accounts, whether or not the

funds are actually paid

Up to $100 per order

SAFE DEPOSIT BOX

ANNUAL RENT

Assessed annually at lease renewal. We currently do not rent new Safe

Deposit Boxes

Varies by size and location,

includes sales tax where

applicable

4 Financialinstitutionsmaydeductprocessingfeesand/orchargesfromtheamountoftheincomingoroutgoingwiretransfers,includingonreturnedwiretransfers.Anydeductionstakenbyus,andouraliates,mayinclude

processing fees charged by Chase.

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS)

•

WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

JPMorgan Chase Bank, N.A. Member FDIC

Eective 6/10/2024

FEETABLE-TOTAL-0624-ONLN