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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 Checking℠, Chase Secure Checking℠ or Chase First Checking℠.

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?

  • 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 paid: $34 Insufficient Funds Fee per item if your account balance is overdrawn by more than $50 at the end of the business day (maximum of 3 fees per day, for a total of $102).

When a fee won’t be charged

  • If a transaction is declined or returned unpaid.
  • If your account balance is overdrawn by $50 or less at the end of the business day.
  • For items that are $5 or less, even if your account balance is overdrawn by more than $50 at the end of the business day.
  • If your available balance was sufficient at the time your debit card transaction was authorized, even if your account balance is overdrawn at the time the transaction is presented for payment.
  • For Chase Sapphire℠ Checking and Chase Private Client Checking℠ accounts, there are no Insufficient Funds Fees when item(s) are presented against an account with insufficient funds on the first four business days during the current and prior 12 statement periods. On a business day when we returned item(s), this counts toward the four business days when an Insufficient Funds Fee will not be charged.

For business accounts

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

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