Chase Print Counter Checks Online PDF Details

In the realm of personal banking, understanding the intricacies of your account is paramount, a principle that Chase Bank underscores with its Chase Total Checking® account guide. This comprehensive resource not only elucidates the structure of monthly service fees—a notable $12, waived under certain conditions such as direct deposits totaling $500 or more, maintaining a daily balance of $1,500, or having a combined daily balance of $5,000 in linked accounts—but also dives into ATM usage policies, highlighting the fees incurred for non-Chase ATM transactions both domestically and internationally. Additionally, the guide tackles the often-dreaded subject of overdraft fees, setting clear scenarios under which these fees are applied or waived, thereby offering account holders a level of predictability and control over their funds. The guide doesn't stop there; it details options for Chase Debit Card Coverage, providing users with a choice in how their everyday debit card transactions are handled in the event of insufficient funds, further emphasizing user agency in managing their accounts. An extensive overview of deposit and withdrawal procedures offers clarity on transaction postings, an invaluable aid in financial planning. For those seeking more than just basic banking services, the guide also outlines the fees associated with wire transfers, account services like stop payments and legal processing, and even ancillary services such as safe deposit box rentals, ensuring account holders are well-informed about the potential costs they may encounter. As a living document, the guide serves as both an introduction to new customers and a reference for existing customers, aiming to demystify banking fees and policies, thereby fostering a more transparent and manageable banking experience.

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C H A S E T O T A L C H E C K I N G®

A GUIDE TO YOUR ACCOUNT †

It’s important that you understand how your Chase Total Checking account works.

We’ve created this Guide to explain the fees and some key terms of your personal account.

MONTHLY SERVICE FEE

Monthly Service Fee

$12

 

 

 

$0 Monthly Service Fee when you have any ONE of the following:

 

• Electronic deposits made into this account totaling $500 or more, such

How to Avoid the

as payments from payroll providers or government benefit providers, by

using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third

Monthly Service Fee

party services that facilitate payments to your debit card using the Visa® or

During Each Monthly

Mastercard® network

Statement Period

• OR, a balance at the beginning of each day of $1,500 or more in this account

 

• OR, an average beginning day balance of $5,000 or more in any combination

 

of this account and linked qualifying deposits1/investments2

 

 

ATM FEES

Non-Chase ATM (Avoid these fees by using a Chase ATM)

$2.50 for any inquiries, transfers or withdrawals while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner/ network still apply.

$5 per withdrawal and $2.50 for any transfers or inquiries at ATMs outside the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner/network still apply.

Fees for using your account when you don’t have enough money in it or it’s already overdrawn

OVERDRAFT FEES

Insufficient Funds:

Chase pays an item when your account does not have enough money

We will charge Insufficient Funds Fees during our nightly processing beginning with the first item that overdraws your account balance by more than $50.

•$34 per item

•Maximum of 3 fees per business day (up to $102)

We will not charge an Insufficient Funds Fee when:

•Your account balance is overdrawn by $50 or less at the end of the business day

•Your item is $5 or less

•Your debit card transaction was authorized when there was a sufficient available balance in your account

•Your check or ACH is returned unpaid. However, we may charge an Insufficient

Funds Fee if a previously returned item is presented again and paid

•Your debit card transaction or ATM cash withdrawal request is declined

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends and we start our nightly processing. 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 before 11 p.m. Eastern Time (8 p.m. Pacific Time)

•When transferring money on chase.com or Chase Mobile® or using Zelle® before 11 p.m. Eastern Time (8 p.m. Pacific Time)

Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. Please visit chase.com or Chase Mobile for more information and service agreements.

† For the complete terms governing your account, please consult the Deposit Account Agreement. The terms of the account, including any fees or features, may change.

1Qualifying personal deposits include Chase First CheckingSM accounts, personal Chase savings accounts (excluding Chase Premier SavingsSM and Chase Private Client SavingsSM), CDs, certain Chase Retirement CDs, and certain Chase Retirement Money Market Accounts.

2Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to calculate the average beginning day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member

FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS:

• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

1

C H A S E T O T A L C H E C K I N G®

Chase Debit Card Coverage: You can choose how we treat your everyday (not recurring) debit card

transactions when you don’t have enough money available. Please note: Regardless of which option you choose for Chase Debit Card Coverage, you may also want to sign up for Overdraft Protection if you are eligible. Please visit www.chase.com/OverdraftProtection for more details, including terms and conditions.

OPTION #1 (YES): You ask us to add Chase Debit Card Coverage

This means you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you don’t have enough money available (this includes available funds in your linked Overdraft Protection account, if enrolled). Fees may apply. You’ll have until the end of the business day to transfer or deposit enough money to avoid an Insufficient Funds Fee on these transactions.

CHASE DEBIT CARD COVERAGE SM AND FEES 3

(Please visit www.chase.com/checking/ debit-card-coverage for additional details.)

Insufficient Funds

We will charge Insufficient Funds Fees during our nightly processing beginning with the first item that overdraws your account balance by more than $50.

•$34 per item

•Maximum of 3 fees per business day (up to $102)

We will not charge an Insufficient Funds Fee when:

•Your account balance is overdrawn by $50 or less at the end of the business day

•Your item is $5 or less

•Your debit card transaction was authorized when there was a sufficient available balance in your account

•Your check or ACH is returned unpaid. However, we may charge an Insufficient

Funds Fee if a previously returned item is presented again and paid

•Your debit card transaction or ATM cash withdrawal request is declined

OPTION #2 (NO): No Chase Debit Card Coverage (If you don’t choose an option when you open your account, Option #2 (No) is automatically selected for you)

This means you do not want Chase to approve and pay your everyday debit card transactions when you don’t have enough money available (this includes available funds in your linked Overdraft Protection account, if enrolled). Since everyday debit card transactions will be declined when there is not enough money available, you won’t be charged an Insufficient Funds Fee for everyday debit card transactions.

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends and we start our nightly processing. 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 before 11 p.m. Eastern Time (8 p.m. Pacific Time)

•When transferring money on chase.com or Chase Mobile or using Zelle before 11 p.m. Eastern Time (8 p.m. Pacific Time)

Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. Please visit chase.com or Chase Mobile for more information and service agreements.

See the next page for other fees that may apply.

3Important details about your Chase Debit Card Coverage: An everyday debit card transaction is a one-time purchase or payment, such as groceries, gasoline or dining out, and includes PIN and non-PIN point-of-sale transactions. Whether or not you choose to have your everyday debit card transactions covered, the way we treat your recurring debit card transactions (such as monthly movie rentals, gym memberships or subscriptions) when you don’t have enough money in your account will not be affected. We may, at our discretion, authorize and pay a recurring debit card transaction that causes an overdraft and charge an Insufficient Funds Fee.

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

2

C H A S E T O T A L C H E C K I N G®

HOW DEPOSITS AND WITHDRAWALS WORK

Posting order is the order in which we apply deposits and withdrawals to your account. We provide you with visibility into how transactions are posted and in what order to help you better manage your account.

When we transition from one business day to the next business day we post transactions to and from your account during our nightly processing. The order in which we generally post items during nightly processing for each business day is:

•First, we make any previous day adjustments, and add deposits to your account.

•Second, we subtract transactions in chronological order by using the date and time of when the transaction was authorized or shown as pending. This includes ATM and Chase banker withdrawals, transfers and payments; automatic payments; chase.com or Chase Mobile online transactions; checks drawn on your account; debit card transactions; wire transfers; and real time payments. If multiple transactions have the same date and time, then they are posted in high to low dollar order.

The Order in

°°There are some instances where we do not have the time of the transaction

Which Withdrawals

therefore we post at the end of the day the transaction occurred:

••We are unable to show the transaction as pending; or

and Deposits

••We don’t receive an authorization request from the merchant but the

Are Processed

transaction is presented for payment.

 

•Third, there are some transactions that we cannot process automatically or until we’ve completed posting of your chronological transactions. This includes Overdraft Protection transfers or transfers to maintain target balances in other accounts. We subtract these remaining items in high to low dollar order.

•Finally, fees are assessed last.

If you review your account during the day, you will see that we show some transactions as “pending.” For details, refer to the section “Pending” transactions in the Deposit Account Agreement. These transactions impact your available balance, but have not yet posted to your account and do not guarantee that we will pay these transactions to your account if you have a negative balance at that time. We may still return a transaction unpaid if your balance has insufficient funds during that business day’s nightly processing, even if it had been displayed as a “pending” transaction on a positive balance during the day. If a transaction that you made or authorized does not display as “pending,” you are still responsible for it and it may still be posted against your account during nightly processing.

 

• Cash deposit – Same business day

 

• Direct deposit/wire transfer – Same business day

When Your Deposits

• Check deposit – Usually the next business day, but sometimes longer:

Are Available

--If we place a longer hold on a check, the first $225 will be available by the

next business day

(See Funds

--The date your deposit is expected to be available will be displayed on your

Availability Policy in

receipt

the Deposit Account

--In some situations, we may notify you at the time or after your deposit is

Agreement for

made that your funds (including the first $225) will not be available for up to

details)

seven business days

 

A “business day” is a non-holiday weekday. The cutoff times listed in the section

 

above will determine the “business day” for your deposit.

 

Card Replacement – Rush Request: You request express shipping of a

$5 per card, upon request

 

replacement debit or ATM card

 

(Avoid this fee by requesting standard shipping)

 

 

 

 

OTHER ATM

Non-ATM Cash: You use your Chase Debit Card to withdraw cash from

3% of the dollar amount of

the transaction OR

a teller at a bank that is not Chase

AND DEBIT CARD

 

$5, whichever is greater

 

 

FEES

 

3% of withdrawal amount

 

Foreign Exchange Rate Adjustment: You make card purchases,

after conversion to U.S.

 

dollars. For additional

 

non-ATM cash transactions or ATM withdrawals in a currency other

 

information on exchange

 

than U.S. dollars

 

rates, refer to the Deposit

 

 

 

 

Account Agreement

 

 

 

 

See the next page for other fees that may apply.

 

 

 

 

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

3

C H A S E T O T A L C H E C K I N G®

WIRE TRANSFER FEES4

 

$15 per transfer OR

Domestic and International Incoming Wire: A wire transfer is

$0 if the transfer was

originally sent with the help

deposited into your account

of a Chase banker or using

 

 

chase.com or Chase Mobile

 

 

Domestic Wire: A banker helps you to send a wire to a bank account

$35 per transfer

within the U.S.

 

 

 

Online Domestic Wire: You use chase.com or Chase Mobile to send a

$25 per transfer

wire from your checking account to a bank account within the U.S.

 

Consumer USD/FX International Wire: A banker helps you to send a

$50 per transfer

wire to a bank account outside the U.S. in either U.S. dollars (USD) or

foreign currency (FX)

 

 

 

Consumer Online USD International Wire: You use chase.com or

$40 per transfer

Chase Mobile to send a wire from your checking account to a bank

account outside the U.S. in U.S. dollars (USD)

 

 

 

Consumer Online FX International Wire: You use chase.com or Chase

$5 per transfer OR

$0 per transfer if the

Mobile to send a wire from your checking account to a bank account

amount is equal to $5,000

outside the U.S. in foreign currency (FX)

USD or more

 

 

 

OTHER FEES

Stop Payment: You contact us and a banker places your stop payment

$30 per request

request on a check or ACH item

 

 

 

Online or Automated Phone Stop Payment: You use chase.com, Chase

$25 per request

Mobile or our automated phone system to place a stop payment on a

check. Only some types of stop payments are available

 

 

$12 for each item you

 

deposit or cash that is

 

returned unpaid. Example:

 

You deposit a check from

Deposited Item Returned or Cashed Check Returned: You deposit or

someone who didn’t have

enough money in his/her

cash an item that is returned unpaid

account. The amount of the

 

 

deposit will be subtracted

 

from your balance and

 

you will be charged the

 

Deposited Item Returned Fee

 

 

Order for Checks or Supplies: An order of personal checks, deposit

Varies (based on items

slips or other banking supplies

ordered)

 

 

Counter Check: A blank page of 3 personal checks we print upon your

$2 per page

request at a branch

 

 

 

Money Order: A check issued by you, purchased at a branch, for an

$5 per check

amount up to $1,000

 

 

 

Cashier’s Check: A check issued by the bank, purchased at a branch, for

$8 per check

any amount and to a payee you designate

 

 

 

Legal Processing: Processing of any garnishment, tax levy, or other

Up to $100 per order

court administrative order against your accounts, whether or not the

funds are actually paid

 

 

 

SAFE DEPOSIT BOX ANNUAL RENT

Assessed annually at lease renewal. We currently do not rent new Safe Deposit Boxes

Varies by size and location, includes sales tax where applicable

4 Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.

JPMorgan Chase Bank, N.A. Member FDIC

© 2022 JPMorgan Chase & Co.

Effective 1/31/2022

FEETABLE-TOTAL-122-ONLN

HAVE QUESTIONS? CALL US AT 1-800-935-9935 (WE ACCEPT OPERATOR RELAY CALLS) • WANT MORE INFO? SEE THE DEPOSIT ACCOUNT AGREEMENT

4

How to Edit Chase Print Counter Checks Online Online for Free

Filling out printable original chase bank check is straightforward. Our team created our PDF tool to make it convenient to use and assist you to prepare any PDF online. Below are some steps you need to adhere to:

Step 1: Select the orange button "Get Form Here" on the following website page.

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For you to fill in the template, provide the details the system will require you to for each of the next segments:

example of blanks in can chase print me a check

In the You can avoid overdrawing your, Additional cutoff times apply to, For the complete terms governing, Qualifying personal deposits, and INVESTMENT AND INSURANCE PRODUCTS field, put down your data.

Filling in can chase print me a check part 2

Describe the key details in the Chase Debit Card Coverage You can, OPTION YES You ask us to add, This means you want Chase to, CHASE DEBIT CARD COVERAGE SM AND, Please visit wwwchasecomchecking, Insufficient Funds, We will charge Insufficient Funds, We will not charge an Insufficient, Your account balance is overdrawn, available balance in your account, Your check or ACH is returned, Funds Fee if a previously returned, Your debit card transaction or, OPTION NO No Chase Debit Card, and open your account Option No is part.

can chase print me a check Chase Debit Card Coverage You can, OPTION YES You ask us to add, This means you want Chase to, CHASE DEBIT CARD COVERAGE SM AND, Please visit wwwchasecomchecking, Insufficient Funds, We will charge Insufficient Funds, We will not charge an Insufficient, Your account balance is overdrawn, available balance in your account, Your check or ACH is returned, Funds Fee if a previously returned, Your debit card transaction or, OPTION NO No Chase Debit Card, and open your account Option No is fields to insert

You have to describe the rights and responsibilities of the parties in the You can avoid overdrawing your, Additional cutoff times apply to, and See the next page for other fees paragraph.

part 4 to entering details in can chase print me a check

Finalize by reviewing all these areas and filling them out accordingly: Second we subtract transactions, There are some instances where we, We are unable to show the, transaction is presented for, Third there are some transactions, until weve completed posting of, Finally fees are assessed last If, Cash deposit Same business day, The Order in Which Withdrawals and, and HOW DEPOSITS AND WITHDRAWALS WORK.

step 5 to finishing can chase print me a check

Step 3: As soon as you've clicked the Done button, your form is going to be available for transfer to any kind of electronic device or email address you specify.

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