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Standard Overdraft Practice

Chase Overdraft Services

Standard Overdraft Practice

Our Standard Overdraft Practice may pay, for a fee, overdraft transactions at our discretion based on your account history, the deposits you make and the transaction amount. Standard Overdraft Practice comes with all Chase checking accounts except Chase High School CheckingSM or Chase Secure CheckingSM.

What’s covered?

  • Checks
  • Automatic payments from your checking account, such as a recurring phone bill, mortgage or utility bill
  • Recurring debit card purchases, like your monthly gym membership or movie subscription

What’s NOT covered?

  • We don’t cover everyday debit card transactions, such as grocery purchases, gasoline or dining out.
  • Sometimes we’re not able to pay an overdraft transaction. If that happens, the transaction is declined or returned unpaid.

What it costs

  • If an overdraft is paid, a $34 Insufficient Funds Fee is charged for each item.
  • If a check or automatic payment is returned, a $34 Returned Item Fee is charged.
  • If the same item is returned multiple times, we only charge one fee for that item in a 30 day period.
  • There is a limit of three of either of these fees per day, for a total of $102.

When we don’t charge this fee

  • If we decline a recurring debit card 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.
  • We waive the Insufficient Funds and Returned Item Fees for Chase Private Client. We also do not charge these fees for Chase SapphireSM Checking accounts if you’ve had four or fewer occurrences in the past 12 months. An occurrence happens any business day that at least one item is presented or a withdrawal request is made against an account with Insufficient Funds.

For business accounts

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