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 Checking; however, Returned Item Fees still apply.
You can avoid these fees if you transfer or deposit funds to cover the purchase by the end of the business day (generally by 11 PM ET/8 PM PT).
For business accounts:
See information on How your transactions will work for business accounts (PDF)