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Standard Overdraft Practice

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.

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. We do NOT GUARANTEE we will always pay your overdraft transaction, and if we do not pay your transaction, the transaction will be declined or returned unpaid.

Standard Overdraft Practice is not available for Chase High School CheckingSM or Chase Secure CheckingSM.  

What it pays

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  • Checks
  • Automatic payments (e.g., recurring phone bill, mortgage or utility bill)
  • Recurring debit card purchases (e.g., movie subscriptions or gym memberships)
  • NOT covered: Everyday debit card transactions (e.g., groceries, gasoline or dining out).

What it costs for personal checking accounts

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  • If paid: $34 Insufficient Funds Fee per item
  • If check or automatic payment is returned: $34 Returned Item Fee. If the same item is returned multiple times, only one fee will be charged for that item within a 30-day period.
  • If recurring debit card transaction is declined: Transaction will NOT go through and you will NOT be charged a fee
  • Maximum of three (3) of either of these fees per day, for a total of $102
  • These fees are not charged 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

For Chase SapphireSM Checking accounts, we waive the Insufficient Funds and Returned Item fees if you've had four or fewer Insufficient Funds or Returned Item occurrences in the past 12 months. An occurrence happens any business day that at least one (1) item is presented or withdrawal request is made against an account with Insufficient Funds.

How your transactions will work for personal checking accounts (PDF)

How transactions post

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Here is the order in which we generally apply deposits and withdrawals to your account each business day:

FIRST: We add your deposits to your account

SECOND: We subtract wire transfers, everyday (not recurring) debit card transactions, online banking transactions, ATM withdrawals, teller cash withdrawals and checks you write that are either cashed or deposited at a teller station by a Chase employee, in the order in which they are authorized, withdrawn, cashed or deposited.

THIRD: We subtract all other items, including checks you write that are either cashed or deposited at an ATM, starting with those having the highest dollar amount and moving to the lowest. We reserve the right to use a different order in certain states.

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for some ways of making a deposit or transferring funds from another Chase account:

  • At a branch before it closes
  • At an ATM or when transferring money on or Chase Mobile® or using Chase QuickPay® with Zelle® before 11 PM Eastern Time (8 PM Pacific Time)

For business accounts:

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