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. Returned Item Fees still apply for Chase High School Checking.
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 chase.com 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)