CHA SE 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 $12
$0 Monthly Service Fee when you have any ONE of the following:
• Electronic deposits made into this account totaling $500 or more, such
as payments from payroll providers or government benefit providers, by
MONTHLY How to Avoid the
using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third
SERVICE FEE Monthly Service Fee
During Each Monthly
party services that facilitate payments to your debit card using the Visa® or
Mastercard® network
Statement Period • 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 deposits1/investments2

$2.50 for any inquiries, transfers or withdrawals while using a non-Chase ATM
in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner/
Non-Chase ATM
network still apply.
ATM FEES (Avoid these fees by
$5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the
using a Chase ATM)
U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner/network
still apply.

Fees for using your account when you don’t have enough money in it or it’s already overdrawn
We will charge Insufficient Funds Fees during our nightly processing beginning
with the first item that overdraws your account balance by more than $50.
• $34 per item
• Maximum of 3 fees per business day (up to $102)
Insufficient Funds:
Chase pays an item We will not charge an Insufficient Funds Fee when:
OVERDRAFT FEES when your account • Your account balance is overdrawn by $50 or less at the end of the business day
• Your item is $5 or less
does not have
enough money • Your debit card transaction was authorized when there was a sufficient
available balance in your account
• Your check or ACH is returned unpaid. However, we may charge an Insufficient
Funds Fee if a previously returned item is presented again and paid
• 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. If you deposit a check, this assumes we do not place a hold and the check is not
returned. Here are the cutoff 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. Pacific Time)
• When transferring money on [Link] or Chase Mobile® or using Zelle® before 11 p.m. Eastern Time (8 p.m. Pacific Time)
Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. Please visit [Link] 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.
1 Qualifying personal deposits include Chase First CheckingSM accounts, personal Chase savings accounts (excluding Chase Premier SavingsSM and Chase Private Client SavingsSM), CDs, certain Chase Retirement CDs, and certain Chase
Retirement Money Market Accounts.
2 Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates 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 offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member
FINRA and SIPC. Annuities 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 affiliated 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

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT 1
 CHASE TOTAL CHECKING
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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 [Link]/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 approve and pay your everyday debit card transactions, at our
discretion, when you don’t have enough money available (this includes available funds in your linked
Overdraft Protection account, if enrolled). Fees may apply. You’ll have until the end of the business day
to transfer or deposit enough money to avoid an Insufficient Funds Fee on these transactions.
We will charge Insufficient Funds Fees during our nightly processing beginning
CHASE DEBIT with the first item that overdraws your account balance by more than $50.
CARD COVERAGE SM • $34 per item
• Maximum of 3 fees per business day (up to $102)
AND FEES 3
(Please visit We will not charge an Insufficient Funds Fee when:
[Link]/checking/ Insufficient Funds • Your account balance is overdrawn by $50 or less at the end of the business day
debit-card-coverage • Your item is $5 or less
for additional details.) • Your debit card transaction was authorized when there was a sufficient
available balance in your account
• Your check or ACH is returned unpaid. However, we may charge an Insufficient
Funds Fee if a previously returned item is presented again and paid
• 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 approve and pay your everyday debit card transactions when
you don’t have enough money available (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 Insufficient Funds 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. If you deposit a check, this assumes we do not place a hold and the check is not
returned. Here are the cutoff 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. Pacific Time)
• When transferring money on [Link] or Chase Mobile or using Zelle before 11 p.m. Eastern Time (8 p.m. Pacific Time)
Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. Please visit [Link] or Chase
Mobile for more information and service agreements.
See the next page for other fees that may apply.

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
3 
transactions. Whether or not you choose to have your everyday debit card transactions covered, 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 will not be affected. We may, at our discretion, authorize and pay a recurring debit card transaction that causes an overdraft and charge an Insufficient Funds Fee.

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT 2
 CHASE TOTAL CHECKING
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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 items 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; [Link] 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.
The Order in °°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:
Which Withdrawals
••We are unable to show the transaction as pending; or
and Deposits ••We don’t receive an authorization request from the merchant but the
Are Processed 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
HOW Overdraft Protection transfers or transfers to maintain target balances in
DEPOSITS AND other accounts. We subtract these remaining items in high to low dollar order.
WITHDRAWALS • Finally, fees are assessed last.
WORK 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
insufficient 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.
• Cash deposit – Same business day
• Direct deposit/wire transfer – Same business day
When Your Deposits • Check deposit – Usually the next business day, but sometimes longer:
Are Available --If we place a longer hold on a check, the first $225 will be available by the
(See Funds next business day
--The date your deposit is expected to be available will be displayed on your
Availability Policy in
receipt
the Deposit Account --In some situations, we may notify you at the time or after your deposit is
Agreement for made that your funds (including the first $225) will not be available for up to
details) seven business days
A “business day” is a non-holiday weekday. The cutoff times listed in the section
above will determine the “business day” for your deposit.

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

replacement debit or ATM card $5 per card, upon request
(Avoid this fee by requesting standard shipping)
3% of the dollar amount of
Non-ATM Cash: You use your Chase Debit Card to withdraw cash from
OTHER ATM a teller at a bank that is not Chase
the transaction OR
$5, whichever is greater
AND DEBIT CARD
FEES 3% of withdrawal amount
after conversion to U.S.
Foreign Exchange Rate Adjustment: You make card purchases,
dollars. For additional
non-ATM cash transactions or ATM withdrawals in a currency other
information on exchange
than U.S. dollars
rates, refer to the Deposit
Account Agreement
See the next page for other fees that may apply.

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 CHASE TOTAL CHECKING
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$15 per transfer OR

$0 if the transfer was
Domestic and International Incoming Wire: A wire transfer is
originally sent with the help
deposited into your account
of a Chase banker or using
[Link] or Chase Mobile
Domestic Wire: A banker helps you to send a wire to a bank account
$35 per transfer
within the U.S.
Online Domestic Wire: You use [Link] or Chase Mobile to send a
$25 per transfer
wire from your checking account to a bank account within the U.S.
WIRE TRANSFER
FEES4 Consumer USD/FX International Wire: A banker helps you to send a
wire to a bank account outside the U.S. in either U.S. dollars (USD) or $50 per transfer
foreign currency (FX)
Consumer Online USD International Wire: You use [Link] or
Chase Mobile to send a wire from your checking account to a bank $40 per transfer
account outside the U.S. in U.S. dollars (USD)
$5 per transfer OR
Consumer Online FX International Wire: You use [Link] or Chase
$0 per transfer if the
Mobile to send a wire from your checking account to a bank account
amount is equal to $5,000
outside the U.S. in foreign currency (FX)
USD or more

Stop Payment: You contact us and a banker places your stop payment
$30 per request
request on a check or ACH item
Online or Automated Phone Stop Payment: You use [Link], Chase
Mobile or our automated phone system to place a stop payment on a $25 per request
check. Only some types of stop payments are available
$12 for each item you
deposit or cash that is
returned unpaid. Example:
You deposit a check from
someone who didn’t have
Deposited Item Returned or Cashed Check Returned: You deposit or
enough money in his/her
cash an item that is returned unpaid
account. The amount of the
deposit will be subtracted
from your balance and
OTHER FEES you will be charged the
Deposited Item Returned Fee
Order for Checks or Supplies: An order of personal checks, deposit Varies (based on items
slips or other banking supplies ordered)
Counter Check: A blank page of 3 personal checks we print upon your
$2 per page
request at a branch
Money Order: A check issued by you, purchased at a branch, for an
$5 per check
amount up to $1,000
Cashier’s Check: A check issued by the bank, purchased at a branch, for
$8 per check
any amount and to a payee you designate
Legal Processing: Processing of any garnishment, tax levy, or other
court administrative order against your accounts, whether or not the Up to $100 per order
funds are actually paid

Varies by size and location,

SAFE DEPOSIT BOX Assessed annually at lease renewal. We currently do not rent new Safe
includes sales tax where
ANNUAL RENT Deposit Boxes
applicable

4 Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

JPMorgan Chase Bank, N.A. Member FDIC

© 2022 JPMorgan Chase & Co.
Effective 1/31/2022
FEETABLE-TOTAL-122-ONLN

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT 4