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Debit Card Coverage

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.

Debit Card Coverage

Our Debit Card Coverage allows you to choose how we treat your everyday debit card transactions. If you don’t have Overdraft Protection, or you don’t have enough funds in your linked Overdraft Protection backup account, and:

  • You select NO, the transaction will be declined and you will NOT be charged a fee
  • You select YES, we may pay the overdraft transaction at our discretion based on your account history, the deposits you make and the transaction amount; Standard Overdraft Service fees apply

Regardless of your Debit Card Coverage decision, if you are enrolled in Overdraft Protection and you have enough money in your linked Overdraft Protection backup account, your transaction will be approved and a transfer will be made.

What it pays

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

What it costs

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  • If paid: $34 Insufficient Funds Fee per item
  • Maximum of three (3) fees per day, for a total of $102
  • If declined: Transaction will NOT go through and you will NOT be charged a fee

How your transactions will work for personal checking accounts (PDF)

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)