Chase · U.S. checking accounts

Chase Total Checking®

Everyday checking with Chase branches and ATMs, debit card, check writing, mobile deposits and bill pay. $15 monthly service fee, waived with qualifying deposits, balances or a linked eligible checking account; no minimum opening deposit.

Pros

Several deposit, balance or linked-account routes can waive the $15 monthly fee.
Branch, ATM, online and mobile banking access.
Personal checks, debit payments and eligible Zelle transfers.
Earn a $400 bonus as a new Chase checking customer when you open Chase Total Checking and make direct deposits totaling $1,000 or more within 90 days of offer enrollment. Offer expires Jan 27, 2027; not available to existing Chase checking customers.

Cons

$15 monthly unless a waiver condition is met.
Paid overdrafts can cost $34 per transaction, up to three fees per business day; Overdraft Assist and other exceptions apply.
Domestic outgoing wires cost $25 online or $35 through a banker; incoming wire fees and international transfer costs may apply.
Opening requires identity verification; confirm your specific noncitizen document route with Chase.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	15 USD
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Conditional
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Each statement period: $500 or more in qualifying electronic deposits, a $1,500 beginning-of-day balance every day, a $5,000 average beginning-day balance across qualifying linked accounts, or an eligible linked checking account. Zelle, cash, checks, wires and interest do not count as qualifying electronic deposits.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Opening is subject to Chase approval and identity verification. Non-U.S. citizens should bring original primary and secondary IDs to a branch; accepted options include passports and eligible student immigration documents. Non-permanent residents generally need a U.S. address on a primary or secondary ID. Confirm the tax-ID, age and co-owner requirements for Total Checking with a banker. Product-specific ITIN-only eligibility is not confirmed here.

Geographic restrictions: No product-specific state exclusion list was identified in the current official disclosures. This does not establish universal online-opening eligibility or local branch access; verify availability for the applicant’s residential address.

Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	34 (currency not confirmed)
Outgoing domestic wire	25 (currency not confirmed)
Incoming wire	15 (currency not confirmed)
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Domestic outgoing wires: $25 online or $35 with a banker. International outgoing wires: $40 online in USD or $50 with a banker; online foreign-currency wires cost $5, waived for transfers of at least $5,000. Exchange-rate spreads and other-bank charges can apply. Incoming wires generally cost $15, with specified Chase-origin exceptions.
Allpoint ATM	Not confirmed
Other ATMs	No Chase fee at Chase ATMs. Non-Chase ATM withdrawals cost $3 each in the U.S./U.S. territories or $5 outside them, plus any ATM owner/network surcharge. A 3% foreign-exchange adjustment applies to transactions in a currency other than USD. No separate Allpoint benefit is stated; use the Chase network to avoid Chase ATM fees.
Cash deposit	Cash and checks can be deposited at Chase branches and eligible Chase ATMs. No separate personal-account cash-deposit fee was identified in the current cited fee schedule. Deposit availability, processing cutoffs and location capabilities apply.