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FAQs

Chase Overdraft Services

FAQs

What's an overdraft and what are overdraft fees?

An overdraft occurs when you don’t have enough money in your account to cover a purchase, check or payment. Based on your account history, the deposits you make and the amount of the transaction, we may cover it for you and charge a $34 Insufficient Funds Fee. If we don’t cover the item and returned it unpaid, we’ll charge a Returned Item Fee of $34.

For more information on overdrafts, how we handle them and the fees we charge, read our Standard Overdraft Practice.

What are your overdraft services?

Overdraft Protection is a service that lets you link your Chase savings account to your checking account. If there isn’t enough money in your checking account to cover a purchase, but you have enough in savings, we’ll transfer the exact amount you need to checking. To set it up or for more information, go to our Overdraft Protection page.

We also offer Debit Card Coverage so you can choose how we treat everyday debit card transactions, such as for groceries, gasoline or dining out. If you’ve chosen “No” and a transaction causes your account balance to go below zero, it'll be declined and you won’t be charged a fee. If you’ve chosen “Yes,” we may cover it and apply our standard overdraft practices. If we cover this transaction, it'll be based on your account history, the deposits you make and the amount of the transaction. For more information, read about Chase Debit Card Coverage.

Also, if you're looking for an account that can help prevent overdrafts by only letting you spend the money you have available, check out Chase Secure Banking.

What's the difference between Overdraft Protection and Chase Debit Card Coverage?

If you’re enrolled in Overdraft Protection, we'll transfer your money from savings to cover an overdraft. But if you’re enrolled in Chase Debit Card Coverage, we may cover everyday debit card transactions and charge a fee.

Just so you know, even if you’re enrolled in Chase Debit Card Coverage, it won’t affect how we treat recurring debit card purchases, such as movie subscriptions or gym memberships. These transactions are covered by our Standard Overdraft Practice, which is based on your account history, the deposits you make and the amount of the transaction. You can learn more about these services and see examples of how they work by going to the “Chase Overdraft Services” section of our Additional Banking Services and Fees.

If I overdraw my account, how long do I have to deposit more money to avoid being charged a fee?

You can avoid overdrawing your account by depositing or transferring funds into the account to cover the overdraft before the business day ends. If you deposit a check, this assumes the check isn't returned or we don’t place a hold on the funds.

Here are the cutoff times for making a deposit or transferring funds from another Chase account:

  • At a branch, before it closes
  • At an ATM, before 11 PM Eastern time. (8 PM Pacific time)
  • On chase.com, the Chase Mobile® app or using Chase QuickPay® with Zelle®, when transferring money before 11 PM Eastern time (8 PM Pacific time)

Additional cutoff times apply to other transfers, including those from non-Chase accounts.

Can I withdraw cash at an ATM if I don’t have enough money in my account?

No. If you don't have enough money in your checking account or a Chase savings account that's linked for Overdraft Protection, your ATM transaction will be declined. Cash withdrawals aren't covered by Chase Debit Card Coverage.

Can I get an alert when my balance is low or overdrawn?

Yes, you can sign up to receive account alerts by email, text message, or push notification when your balance falls below a limit that you can set—or if it’s already been overdrawn. You can also sign up for alerts to stay up to date on your transactions and payments, learn about our alerts here.