CHASE DEBIT CARD
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 credit card, savings account or
home equity line of credit to your checking account.
- Transfers funds automatically to cover the amount needed.
- Saves money by helping avoid overdraft charges.
- No fee unless you use it.1
Decide What's Right for You
- If you don't have Overdraft Coverage, 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.2
- Standard overdraft fees may apply, including a $34 fee for each debit card transaction when you don't have sufficient available funds at the end of the day. For more details click learn more below.
Chase Debit Card CoverageSM
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 — If you choose Chase Debit Card Coverage, it means you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you don't have enough money available. You'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions.
- OPTION #2 — If you do not choose Chase Debit Card Coverage, it means you do not want Chase to approve and pay your everyday debit card transactions when you don't have enough money available. 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 is automatically selected for you.
HOW DOES IT WORK?
HOW MUCH DOES IT COST?
- Standard overdraft fees may apply, including a $34 fee each time you use your card and don't have sufficient available funds at the end of the day. Please see our FAQs for details.
- No fee to keep Chase Debit Card Coverage on your account.
- No fee if you overdraw, but make a deposit or transfer that same business day to cover your everyday debit card purchases.*
- No fee if you never use it.
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 determine if it's right for you, call 1-866-532-4273, talk to a banker at any Chase branch
or visit chase.com/coverage.
in Chase Debit Card CoverageSM.
Want to learn more about Chase Debit Card Coverage? Read the FAQs
DISCLOSURE FOR "How does it work?" "How much does it cost?"
1This example assumes that you have no Chase Overdraft Protection, which would transfer funds automatically from your Chase savings account, credit card or home equity line of credit (except Texas residents) to cover your overdraft purchases. Overdraft Protection may be subject to credit approval. Standard fees may apply, including a $10 transfer fee.
* This assumes that no deposit hold is placed on the deposit.
IMPORTANT DETAILS ABOUT YOUR CHASE DEBIT CARD COVERAGE:
Everyday debit card transactions include PIN point of sale transactions made with your ATM card. We will charge an Insufficient Funds/Overdraft 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.
Also, each time your account is overdrawn for 5 consecutive business days, we will charge you an additional $15. 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 a gym membership) 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/Overdraft Fee.
If you have sufficient funds available under Chase Overdraft Protection, funds will automatically be transferred from your Chase savings account, credit card or home equity line of credit to cover your overdraft purchases. Chase Overdraft Protection may be subject to a credit approval. Fees and interest may apply, including a $10 Overdraft Protection transfer fee.