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Chase Total Checking: overdraft fee & grace period

Checked against Chase’s own pages on October 26, 2026. 4 facts verified, 1 not confirmed.

Forgiveness score 4 of 11breathing roomoverdraft offcard lock
Overdraft fee
$34 per transaction, max 3 per business day ($102). No fee on transactions of $5 or less.
Source: chase.com/personal/fees/total-checking
Grace period / breathing room
Chase Overdraft Assist: no fee if overdrawn by $50 or less at end of business day, or if you bring the balance to overdrawn by $50 or less by 11 PM ET (8 PM PT) the next business day. No enrollment needed.
Source: chase.com/personal/checking/overdraft-services/standard-overdraft-prac
Can you turn overdraft off?
Everyday debit card purchases and ATM withdrawals are not covered into overdraft unless you opt in to Chase Debit Card Coverage; declined transactions carry no overdraft fee. Overdraft services are not available on Chase Secure Checking.
Source: chase.com/personal/checking/overdraft-services/standard-overdraft-prac · chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf
Card lock / blocking
You can lock your debit card from the Chase Mobile app.
Source: chase.com/personal/checking/total-checking
ADHD-friendly features
Not confirmed — we couldn’t verify this on an official page yet

Not applicable here: Late fee, First late fee waived?, Autopay.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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