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Overdraft Services Overview

Chase Overdraft Services

Make the choice that's right for you

An overdraft occurs when there’s not enough money in your personal checking account to cover a payment, purchase or check you write. With a Chase checking account, you have options— specifically when it comes to how we handle overdrafts. Our overdraft services aren't available for Chase Secure CheckingSM.

Standard Overdraft Practice

Standard service that comes with most Chase checking accounts

What's covered
Checks, automatic payments, like a recurring phone bill, and recurring debit card purchases, such as a gym membership

What it costs
$34 Insufficient Funds Fee per item if paid, or $34 Returned Item Fee if returned

Overdraft Protection

Optional service to link a Chase savings account as backup to your checking account

What's covered
All transactions, including everyday debit card purchases

What it costs
No transfer fee, but other fees may apply

Debit Card Coverage

Optional service to choose how we treat just your everyday debit card purchases

What's covered
Everyday debit card transactions, such as groceries, gasoline or dining out

What it costs
$34 Insufficient Funds Fee per item if paid

Know your balance

Knowing your balance and how your transactions work can also help you make the right choice.

Account alerts

Choose the alerts you want and how you want to receive them on

Chase Mobile® app

Banking at your fingertips — virtually anywhere.

Call or visit

You can check your balance by calling 1-800-935-9935 or going to any Chase ATM.

For business accounts

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