Please update your browser.Overdraft Protection
Chase Overdraft Services
Overdraft Protection
Link a Chase savings account as an Overdraft Protection backup account to your checking account to help pay any overdraft transactions that may occur. If your checking account does not have enough money, we will use the available funds from your backup account to authorize or pay transactions. The exact amount needed to cover the transaction will be transferred if enough funds are available. Overdraft Protection isn't available for Chase Secure Checking℠ or Chase First Checking℠.
What’s covered?
- All transactions, including everyday debit card transactions, such as groceries, gasoline or dining out.
What’s NOT covered?
- Any transaction when there isn't enough money in your linked Chase savings account - the Standard Overdraft Practice will then apply.
What it costs
- There isn't a fee for an Overdraft Protection transfer.
Are there other fees?
- $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 (maximum of three Savings Withdrawal Limit Fees per monthly statement period, for a total of $15). 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 Private Client Savings℠ accounts, and also for Chase Premier Savings℠ accounts with a balance of $15,000 or more in the account at the time of withdrawal or transfer out.
To learn more about fees when there’s not enough money in your linked Overdraft Protection backup account, please read 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)