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Debit Card Coverage

Chase Overdraft Services

Debit Card Coverage

With Debit Card Coverage, you tell us how you want to handle your everyday debit card transactions. Chase Debit Card Coverage isn't available for Chase High School Checking℠, Chase Secure Checking℠ or Chase First Checking℠.

If you don’t have Overdraft Protection or you don't have enough funds in your linked Chase savings account, and you:

  • Choose NO, the transaction will be declined and you won't be charged an Insufficient Funds Fee.
  • Choose YES, we may authorize overdrafts at our discretion and you understand you will be charged an Insufficient Funds Fee per transaction if Chase pays your overdraft.

No matter what decision you make on your Debit Card Coverage, if you’re enrolled in Overdraft Protection and you have enough money in your linked Overdraft Protection backup account, we will use the available funds from your backup account to authorize or pay transactions.

What’s covered?

  • Everyday debit card transactions ONLY
    (e.g., groceries, gasoline or dining out)

What it costs

  • We charge a $34 Insufficient Funds Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

When we don’t charge this fee

  • With Chase Overdraft Assist, if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist℠ does not require enrollment and comes with all Chase checking accounts except Chase First Checking℠, Chase High School Checking℠ or Chase Secure Checking℠.
  • If your transaction is $5 or less.
  • If your debit card transaction was authorized when there was a sufficient available balance in your account.
  • If your debit card transaction is declined.
  • For Chase Sapphire Checking and Chase Private Client Checking accounts, there are no Insufficient Funds Fees when item(s) are presented against an account with insufficient funds on the first four business days during the current and prior 12 statement periods. On a business day when we returned item(s), this counts toward the four business days when an Insufficient Funds Fee will not be charged.

For business accounts

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

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