Chase Overdraft Protection

Overdraft Protection.

What it is:

Allows you to link an Overdraft Protection backup funding account—a Chase savings account or Chase credit card Footnote  (Opens Overlay)—to your checking account to help pay any overdraft transactions that may occur. A transfer is made (generally in $50 increments Footnote  (Opens Overlay)), if enough funds are available, to  cover your transaction and the $10 Overdraft Protection Transfer Fee.


What it pays:

  • All transactions, including everyday debit card transactions

What it costs:

  • No fee to enroll
  • Each day we make a transfer: Your checking account will be charged one $10 Overdraft Protection Transfer Fee (waived for Chase Premier Platinum accounts)
    • Credit Card Overdraft Protection Transfer: You will pay interest from the date of the transfer at the Overdraft Advance interest rate
    • Savings Account Overdraft Protection Transfer: Transfers will count toward the number of withdrawals allowed per monthly statement period and could result in a Savings Withdrawal Limit Fee
  • For applicable fees, when there is not enough money in your linked Overdraft Protection backup account, please refer to How your transactions will work (PDF)

Note: No fee if ending account balance is overdrawn by $5 or less, or for items that are $5 or less, even if your ending account balance is overdrawn.


You can avoid these fees if you transfer or deposit funds to cover the purchase by the end of the business day (generally by 11 PM ET). Footnote  (Opens Overlay)


Want a Chase checking account with
access to Overdraft Protection?


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