Chase Total Checking Review

$400 new-customer bonus with qualifying direct deposits (offer expires 10/14/26). Independent Chase Total Checking review: 4.2/5 for checking.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.

Our verdict

People who want a branch nearby get the most from Chase Total Checking, with 5,000+ branches and 14,000+ ATMs. It pays no interest, and a $15 monthly fee applies unless you meet the waiver with $500+ in qualifying electronic deposits or a qualifying balance, which is why it isn't rated higher. The $400 new-customer bonus needs $1,000+ in qualifying direct deposits within 90 days, through 10/14/26.

Skip it if you want interest on checking, or can't meet the electronic deposit or balance requirement that waives the $15 monthly fee.

About Chase Total Checking

$400 new-customer bonus with qualifying direct deposits (offer expires 10/14/26). Chase Total Checking is offered by JPMorgan Chase Bank, N.A. Our editorial rating is 4.2 out of 5.

Best for: Everyday checking with branch access.

Editorial grade: B+ (composite score 83/100).

Highlights

$400 signup bonus with $1,000+ in qualifying direct deposits within 90 days (offer expires 10/14/26)
14,000+ Chase ATMs nationwide
5,000+ branches across the U.S.

What we like

Largest branch network of any U.S. bank
Award-winning Chase mobile app with Zelle and budgeting tools
Frequent strong bonus offers for new customers

Where it falls short

$15 monthly fee (waivable with qualifying activity)
No interest paid on checking

Fees, minimums, and rates

Monthly fee: $15/month (waivable). Minimum to open: $0. New-customer bonus: $400. Rates and fees last checked on September 29, 2026.

How we reviewed it

This is a desk review: we have not opened an account with JPMorgan Chase Bank, N.A.. It is built from JPMorgan Chase Bank, N.A.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Checking shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

JPMorgan Chase Bank, FDIC certificate 628: capital, loan quality, every office and the complaint record.

Similar products to compare

Read our full editorial methodology for how we review products.