Chase Debit Card CoverageSM FAQs
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If I have Chase Overdraft Protection linked to a savings account, credit card or home equity line of credit, do I still need this service?
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If I sign up for Chase Debit Card Coverage, will my debit card charges always go through?
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Are there fees?
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When do I need to make my deposit to avoid an overdraft fee?
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What about automatic debit card payments that I set up with a merchant?
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Can I change my decision?
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What if I can't decide or don't want this service?
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How do I prevent my child?s account from being charged overdraft fees?
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Are there alerts that can help me avoid fees?

You Decide Which Checking Accounts Options Are Right For You
INSTANT ACTION ALERTS
INSTANT ACTION
ALERTSSM *
OVERDRAFT PROTECTION
OVERDRAFT
PROTECTION
Chase Debit Card Coverage SM
CHASE DEBIT CARD
COVERAGESM
Take Action Instantly!
  • Transfer money anytime and almost anywhere
  • Help avoid fees by transferring funds in response to low balance alerts
  • Get alerts and transfer money via text.
Cover Yourself First!
  • Sets up easily by linking a Chase savings account or Chase credit card to your checking account.
  • Transfers funds automatically to cover the amount needed.
  • Saves money by helping avoid overdraft charges.
  • There is no fee to enroll; however, each day we make a transfer, you will pay one $10 Overdraft Protection Transfer Fee.Footnote 1
Decide What's Right for You
  • If you don't have Chase Debit Card CoverageFootnote 2, your everyday debit card transactions will not be approved if you don't have sufficient available funds. These transactions may be approved at Chase's discretion if you have Chase Debit Card Coverage.
  • Standard overdraft fees may apply, including a $34 Insufficient Funds Fee (maximum of three per day) for each everyday debit card transaction we pay when you don't have enough money available in your account at the end of the business day to cover it. For more details click learn more below.
You Decide Which Checking Account Options Are Right For You
INSTANT ACTION ALERTS
INSTANT ACTION
ALERTSSM *
OVERDRAFT PROTECTION
OVERDRAFT
PROTECTION
Chase Debit Card Coverage SM
CHASE DEBIT CARD
COVERAGESM
Take Action Instantly!
  • Transfer money anytime and almost anywhere
  • Help avoid fees by transferring funds in response to low balance alerts
  • Get alerts and transfer money via text.
Cover Yourself First!
  • Sets up easily by linking a Chase savings account or Chase credit card to your checking account.
  • Transfers funds automatically to cover the amount needed.
  • Saves money by helping avoid overdraft charges.
  • There is no fee to enroll; however, each day we make a transfer, you will pay one $10 Overdraft Protection Transfer Fee.Footnote 1
Decide What's Right for You
  • If you don't have Chase Debit Card CoverageFootnote 2, your everyday debit card transactions will not be approved if you don't have sufficient available funds. These transactions may be approved at Chase's discretion if you have Chase Debit Card Coverage.
  • Standard overdraft fees may apply, including a $34 Insufficient Funds Fee (maximum of three per day) for each everyday debit card transaction we pay when you don't have enough money available in your account at the end of the business day to cover it. For more details click learn more below.
Instant Action Alerts
When you sign up for Instant Action Alerts, we'll notify you via text if your account dips below your preset limit or becomes overdrawn. Then just send back a text to help address the issue. It's fast, easy and free!

When you activate Instant Action Alerts, you can:
  • Choose the alerts you want to get.
  • Help avoid fees with low-balance notifications.
  • Transfer money instantly by text to help avoid overdraft fees; no need to visit a branch or be at a computer.
Message and data rates may apply; such charges include those from your communications service provider. Once your mobile device has been activated, you can text STOP to CHASE (24273) to opt out or HELP for additional support. The Chase Mobile Help Line is available 7:00 AM to 9:00 PM, local time, 7 days a week: 1-877-210-1672. Get more device and carrier information for Chase Mobile via text here.
Enroll Now in Instant Action Alerts!
You Decide How To Triple Your Protection With These Helpful Services
INSTANT ACTION ALERTS
INSTANT ACTION
ALERTSSM *
OVERDRAFT PROTECTION
OVERDRAFT
PROTECTION
Chase Debit Card Coverage SM
CHASE DEBIT CARD
COVERAGESM
Take Action Instantly!
  • Transfer money anytime and almost anywhere
  • Help avoid fees by transferring funds in response to low balance alerts
  • Get alerts and transfer money via text.
Cover Yourself First!
  • Sets up easily by linking a Chase savings account or Chase credit card to your checking account.
  • Transfers funds automatically to cover the amount needed.
  • Saves money by helping avoid overdraft charges.
  • There is no fee to enroll; however, each day we make a transfer, you will pay one $10 Overdraft Protection Transfer Fee.Footnote 1
Decide What's Right for You
  • If you don't have Chase Debit Card CoverageFootnote 2, your everyday debit card transactions will not be approved if you don't have sufficient available funds. These transactions may be approved at Chase's discretion if you have Chase Debit Card Coverage.
  • Standard overdraft fees may apply, including a $34 Insufficient Funds Fee (maximum of three per day) for each everyday debit card transaction we pay when you don't have enough money available in your account at the end of the business day to cover it. For more details click learn more below.
Overdraft Protection

Overdraft Protection is a convenient way to help prevent overdrafts and Insufficient Funds or Returned Item Fees on your account.


WHAT IT IS:
Overdraft Protection helps you avoid overdraft fees when you don't have enough money in your Chase checking account by the end of the business day.Footnote 3


HOW IT WORKS:
  • An automatic transfer (if funds are available) from your Chase savingsFootnote 4 or Chase credit card accountFootnote 4 to your Chase checking account will be made at the end of the business day.
  • The transfer is generally made in $50 increments to cover your transactions and the Overdraft Protection Transfer Fee (for example: $50, $100, $150).


HOW MUCH IT COSTS:
There is no fee to enroll; however, each day we make a transfer, you will pay one $10 Overdraft Protection Transfer Fee.Footnote 1 If the transfer is from your credit card, you will also pay interest from the date of the transfer. We will not charge an Overdraft Protection Transfer Fee if your ending account balance, before any Overdraft Protection transfers are made, is overdrawn by $5 or less or the Overdraft Protection transfer resulted from transactions that are all $5 or less.


Enroll Now in Overdraft Protection!
You Decide Which Checking Account Options Are Right For You
INSTANT ACTION ALERTS
INSTANT ACTION
ALERTSSM *
OVERDRAFT PROTECTION
OVERDRAFT
PROTECTION
Chase Debit Card Coverage SM
CHASE DEBIT CARD
COVERAGESM
Take Action Instantly!
  • Transfer money anytime and almost anywhere
  • Help avoid fees by transferring funds in response to low balance alerts
  • Get alerts and transfer money via text.
Cover Yourself First!
  • Sets up easily by linking a Chase savings account or Chase credit card to your checking account.
  • Transfers funds automatically to cover the amount needed.
  • Saves money by helping avoid overdraft charges.
  • There is no fee to enroll; however, each day we make a transfer, you will pay one $10 Overdraft Protection Transfer Fee.Footnote 1
Decide What's Right for You
  • If you don't have Chase Debit Card CoverageFootnote 2, your everyday debit card transactions will not be approved if you don't have sufficient available funds. These transactions may be approved at Chase's discretion if you have Chase Debit Card Coverage.
  • Standard overdraft fees may apply, including a $34 Insufficient Funds Fee (maximum of three per day) for each everyday debit card transaction we pay when you don't have enough money available in your account at the end of the business day to cover it. For more details click learn more below.
Chase Debit Card CoverageSM
WHAT IS IT?
You can choose how we treat your everyday debit card transactions, including PIN point of sale transactions made with your ATM card, 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.
  • OPTION #1: YES
    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). You'll have until the end of the business dayFootnote 3 to transfer or deposit enough money to avoid an Insufficient Funds Fee on these transactions.
  • OPTION #2: NO
    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. If you don't choose an option when you open your account, Option #2 (No) is automatically selected for you.
AN EXAMPLEFootnote 5

HOW MUCH DOES IT COST?
If you choose Option #1, you will pay a $34 Insufficient Funds Fee (maximum of three per day) for each everyday debit card transaction we pay if you don't have enough money available in your account at the end of the business day to cover it.
 
Please click and read the Important Information including legal disclosures and consider printing a copy for your records.
PLEASE MAKE THE CHOICE THAT'S RIGHT FOR YOU
If you don't have Chase Debit Card Coverage – and you don't have sufficient available funds to cover a purchase – your everyday debit card transactions will be denied. To make your choice, call 1-866-532-4273, talk to a banker at any Chase branch or visit chase.com/coverage.
Enroll Now in Chase Debit Card CoverageSM.

DISCLOSURE FOR "An example" "How much does it cost?"
1This example assumes that you have no Chase Overdraft Protection, which could transfer funds automatically from your Chase savings account or credit card to cover your overdraft purchases. If you were enrolled in Overdraft Protection and funds were available, a transfer from your linked Overdraft Protection account would be made to cover your purchase and the $10 Overdraft Protection Transfer Fee.
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. We will charge an Insufficient Funds Fee of $34 each time we pay an overdraft created by check, ACH, in-person withdrawal, debit card transaction or other electronic means. We will charge a Returned Item Fee of $34 for any check or ACH transaction that we return unpaid because your account had insufficient funds. The most you would pay is three of these fees per day for insufficient funds or returned items, no matter the number of transactions. We will not charge an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less. Additionally, even if your account balance is overdrawn, we will not charge an Insufficient Funds or Returned Item Fee for any items that are $5 or less. Also, each time your account is overdrawn for five consecutive business days, we will charge you an additional $15 (Extended Overdraft Fee). Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly. Whether your overdraft will be paid is at Chase's discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have had excessive overdrafts. 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. We will charge only one Returned Item Fee for any payment request we return unpaid more than once per month, even if the biller submits the same request multiple times.
EQUAL HOUSING LENDER EQUAL HOUSING LENDER

1, returns to footnote reference. Chase Private Client CheckingSM and Chase Premier Platinum CheckingSM accounts waive Overdraft Protection Transfer Fees. Please speak to your banker to learn more.

2, returns to footnote reference. 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. We will charge an Insufficient Funds Fee of $34 each time we pay an overdraft created by check, ACH, in-person withdrawal, debit card transaction or other electronic means. We will charge a Returned Item Fee of $34 for any check or ACH transaction that we return unpaid because your account had insufficient funds. The most you would pay is three of these fees per day for insufficient funds or returned items, no matter the number of transactions. We will not charge an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less. Additionally, even if your account balance is overdrawn, we will not charge an Insufficient Funds or Returned Item Fee for any items that are $5 or less. Also, each time your account is overdrawn for five consecutive business days, we will charge you an additional $15 (Extended Overdraft Fee). Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly. Whether your overdraft will be paid is at Chase's discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have had excessive overdrafts. 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. We will charge only one Returned Item Fee for any payment request we return unpaid more than once per month, even if the biller submits the same request multiple times.

3, returns to footnote reference.A "business day" is a non-holiday weekday. The end of business day for deposits and transfers is: branch closing when made at a branch, and by 11 p.m. ET by all other methods. If you deposit a check, this assumes that we do not place a hold on the check and it is not returned unpaid.

4, returns to footnote reference.You may link your checking account to a Chase savings or Chase credit card for Overdraft Protection. Overdraft Protection Transfers from your Chase savings account will count against the number of withdrawals allowed per monthly statement period and could result in a Savings Withdrawal Limit Fee. Interest will apply for transfers from your Chase credit card at the Overdraft Advance interest rate starting from the date of the transfer. Chase credit cards are subject to credit approval, and are issued by Chase Bank USA, N.A.

5, returns to footnote reference.This example assumes that you have no Chase Overdraft Protection, which could transfer funds automatically from your Chase savings account or credit card to cover your overdraft purchases. If you were enrolled in Overdraft Protection and funds were available, a transfer from your linked Overdraft Protection account would be made to cover your purchase and the $10 Overdraft Protection Transfer Fee.

*There is no charge from Chase, but message and data rates may apply. Such charges include those from your communications service provider. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions or checks you have written. A qualifying Chase transfer account is required to transfer funds via text.