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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 CheckingSM or Chase Secure CheckingSM.

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 a fee
  • Choose YES, we may pay the overdraft transaction at our discretion based on your account history, the deposits you make and the transaction amount

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, your transaction will be approved and a transfer made.

What’s covered?

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

What it costs

  • $34 Insufficient Funds Fee per item if paid
  • Maximum of three fees per day, for a total of $102

When we don’t charge this fee

  • If we decline the transaction
  • If your account balance at the end of the business day is overdrawn by $5 or less, or for items that are $5 or less

For business accounts

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