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Overdraft Services

Information About Our Overdraft Services

An overdraft occurs when you don’t have enough money available in your personal checking account to cover a transaction. We have a Standard Overdraft Practice that comes with Chase checking accounts and also offer Overdraft Protection and Chase Debit Card Coverage, which are optional services that can help pay overdrafts when they occur.

Avoiding Fees

Knowing your balance may help you avoid fees. Use any of these options to check your balance before you make a purchase.

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. 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 or when transferring money on chase.com or Chase Mobile® or using Chase QuickPay® with Zelle® before 11 PM Eastern Time (8 PM Pacific Time)

For business accounts:

See information on How your transactions will work for business accounts (PDF)