Alert Message Icon

Please update your browser.

Please update your browser now to help protect your accounts and give you a better experience on our site. See your browser choices.

Begin Site Message Content
Alert Message Icon
End Site Message Content

We’ve signed you out of your account.

Logoff You’ve successfully signed out

We’ve enhanced our platform for For a better experience, download the Chase app for your iPhone or Android. Or, go to System Requirements from your laptop or desktop.

Overdraft Protection

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.

Overdraft Protection

Our Overdraft Protection allows you to link a Chase savings account as an Overdraft Protection backup account to your checking account to help pay any overdraft transactions that may occur. The exact amount needed to cover the transaction will be transferred if enough funds are available.

What it pays

Expand section

All transactions, including everyday debit card transactions.

What it costs

Expand section

There is no fee for an Overdraft Protection transfer; however, an Overdraft Protection transfer counts toward:

  • $5 SAVINGS WITHDRAWAL LIMIT FEE, which is a Chase fee, applies for each withdrawal or transfer out of a Chase savings account over six per monthly statement period. All withdrawals and transfers out of your personal savings account count toward this fee, including those made at a branch or at an ATM. This fee is waived for Chase Premier Savings accounts with a balance of $15,000 or more in the account at the time of withdrawal or transfer out
  • FEDERAL REGULATIONS also limit you to six savings account withdrawals or transfers per monthly statement period. However, this limit does not apply to withdrawals or transfers made in person at a branch or at an ATM. If you exceed the federal limits on withdrawals, we will notify you and may convert your savings account to a Chase Total Checking account

For applicable fees, when there is not enough money in your linked Overdraft Protection backup account, please refer to How your transactions will work for personal checking accounts (PDF)

For business accounts:

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

You're now leaving Chase

Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.