Fee refund · US
How to get a Chase fee refunded
The short answer
Chase’s fee schedule lists a $34 overdraft fee per transaction (up to 3 per business day), but Chase Overdraft Assist means no overdraft fee if you end the business day overdrawn by $50 or less. Chase Total Checking has a $15 monthly service fee that you can avoid in several ways.
To ask for a fee back, contact Chase soon after it posts, name the fee, its date and amount, and ask for a one-time courtesy refund. Chase decides — it isn’t guaranteed.
By Meet PandyaChecked Source: Chase Additional Banking Services and Fees
Chase’s common fees
From Chase’s official fee schedule, in US dollars. Fees below are for Chase Total Checking, Chase Secure Checking.
| Fee | Amount | How to avoid it |
|---|---|---|
| Overdraft fee | $34 per transaction during nightly processing, starting with the first transaction that overdraws your balance by more than $50; maximum of 3 fees per business day (up to $102)[1][2] | No fee with Chase Overdraft Assist if you are overdrawn by $50 or less at the end of the business day, or you bring the balance to overdrawn by $50 or less by 11 p.m. ET (8 p.m. PT) the next business day. No fee if the transaction is $5 or less. Chase Secure Checking does not include Chase overdraft services. |
| Monthly service fee - Chase Total Checking | $15[1][2] | $0 when you have any ONE of these each monthly statement period: $500+ in qualifying electronic deposits; $1,500+ balance at the beginning of each day; $5,000+ average beginning day balance in this account (or combined with other linked qualifying personal deposits or investments); or link this account to a qualifying checking account. New and converted accounts are not charged a monthly service fee for at least the first two statement periods. |
| Monthly service fee - Chase Secure Checking | $4.95[1] | $0 when you have any ONE of these each monthly statement period: $250+ in qualifying electronic deposits; link this account to a qualifying checking account; or an account owner is age 17 through 24. |
| Non-Chase ATM fee | $3 per withdrawal at a non-Chase ATM in the U.S. and U.S. territories; $5 per withdrawal at a non-Chase ATM outside the U.S. and U.S. territories. Surcharge fees from the ATM owner/network still apply.[1] | Use a Chase ATM. |
| Foreign exchange rate adjustment (debit card) | 3% of the withdrawal amount after conversion to U.S. dollars, for card purchases, non-ATM cash transactions or ATM withdrawals in a currency other than U.S. dollars[1] | — |
Chase’s overdraft rules
- Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. If you are overdrawn by more than $50 at the end of the business day, you have until 11 p.m. ET (8 p.m. PT) the next business day to make a deposit or transfer that brings the balance to overdrawn by $50 or less.
- Standard Overdraft Practice covers checks, automatic payments and recurring debit card purchases; everyday debit card transactions (groceries, gas, dining) are not covered unless you opt in to Chase Debit Card Coverage. If you choose NO, those debit transactions are declined and you are not charged a fee.
- No overdraft fee if the debit card transaction was authorized when there was a sufficient available balance, if the transaction is $5 or less, or if a check or ACH payment is returned unpaid.
- Overdraft Protection (linking a Chase savings account as a backup) has no fee for the transfer; an overdraft fee can still apply if the backup account does not have enough money.
How to ask for a courtesy refund
General tips — not bank policy. What works is being specific, honest and brief.
- Ask soon after the fee posts, and name it exactly: the fee, its date and the amount.
- Say briefly what happened — a deposit that hadn’t cleared yet, a timing mix-up, a first slip in years. Keep it honest.
- Ask for a one-time courtesy refund of that fee. If you’ve banked there a long time or rarely pay fees, it’s fair to mention it.
- Be polite and brief. If the answer is no, ask whether there’s a way to avoid the fee next time — low-balance alerts, overdraft settings, or a different account.
- Banks decide case by case. A refund once doesn’t mean you’ll get one again, and nothing guarantees one.
How to contact Chase
As listed on Chase’s own website.
- Phone (checking, savings and debit cards): Personal Banking Customer Service: 1-800-935-9935[3]
- Phone (credit cards): Card Customer Service: 1-800-432-3117[3]
- Meet a banker: Chase’s customer service page lists ‘Schedule a meeting’ to meet with a banker to discuss your account.[3]
- Social media: Chase lists @ChaseSupport on X (Twitter) and messaging via Facebook or Instagram, and asks you not to include account numbers or personal information.[3]
Wally, your AI money agent
Let Wally ask for you
Wally spots bank fees and can ask your bank’s chat or secure messages for a one-time courtesy refund. Not guaranteed.
Chase decides case by case.
Read-only — Wally never moves your money.
Chase fee FAQ
How much is Chase’s overdraft fee?
Chase’s fee schedule (effective 6/14/2026) lists a $34 overdraft fee per transaction, charged during nightly processing beginning with the first transaction that overdraws your balance by more than $50, with a maximum of 3 fees per business day (up to $102).
Does Chase charge an overdraft fee if I am only a little overdrawn?
Not under Chase Overdraft Assist: Chase says it won’t charge an overdraft fee if you are overdrawn by $50 or less at the end of the business day. If you are overdrawn by more than $50, you have until 11 p.m. ET (8 p.m. PT) the next business day to make a deposit or transfer that brings the balance to overdrawn by $50 or less.
How do I avoid the Chase Total Checking monthly service fee?
The fee is $15. It is $0 in a statement period when you have any one of: $500+ in qualifying electronic deposits; a $1,500+ balance at the beginning of each day; a $5,000+ average beginning day balance (alone or with other linked qualifying deposits or investments); or a link to a qualifying checking account.
Does Chase charge overdraft fees on everyday debit card purchases?
Only if you have opted in to Chase Debit Card Coverage (you select YES) and Chase pays the overdraft. If you select NO, the transaction is declined and you are not charged a fee.
Sources
- 1.Chase Deposit Account Agreement - Additional Banking Services and Fees for Personal Accounts (PDF) · June 14, 2026
- 2.Chase Total Checking · October 14, 2026
- 3.Chase Customer Service · October 14, 2026
Other banks
- Bank of America fee refundUSBank of America’s schedule lists a $10 Overdraft Item Fee (no more than 2 overdraft items per day), but no fee on everyday non-recurring debit card purchases or ATM transactions. Advantage Plus Banking has a $12 monthly maintenance fee with several ways to avoid it.See the fees
- Capital One fee refundUSCapital One says it has eliminated all overdraft fees for its consumer banking customers, and 360 Checking has no monthly fee and no minimum balance. The fees its 360 Checking disclosure does list are small: $10 or $20 for a cashier’s check and $30 for an outgoing domestic wire.See the fees
- Citi fee refundUSCiti says it does not charge Overdraft, Returned Item, or Overdraft Protection Transfer fees. The fees that matter are the Monthly Service Fee ($5 on Access Checking, $15 on Regular Checking, waived with $250+ in qualifying direct deposits), the $2.50 Non-Citi ATM fee and the 3% foreign exchange fee on debit card use abroad.See the fees
- PNC fee refundUSPNC Virtual Wallet’s Spend account charges a $36 overdraft item fee (at most 1 per day) and no returned item (NSF) fee. Low Cash Mode gives at least 24 hours of Extra Time to bring the balance to $0 before overdraft fees are charged, and overdraft fees are automatically refunded if you are overdrawn by $5.00 or less at day end.See the fees
- TD Bank fee refundUSTD Bank’s TD Complete Checking lists a $35 overdraft fee (at most 3 per business day) with no fee if you are overdrawn by $50 or less, and a Grace Period that refunds the fee if you cover the overdraft by 11 p.m. ET the next business day. Complete Checking has a $15 monthly maintenance fee with several ways to waive it.See the fees
- U.S. Bank fee refundUSU.S. Bank’s pricing guide lists a $36 Overdraft Paid Fee per item (up to three per day), with no fee if you end the business day overdrawn by $50.00 or less and a program, Overdraft Fee Forgiven, that waives it if you cover the overdraft by 11 p.m. ET. Bank Smartly Checking has a $12 monthly maintenance fee with several ways to waive it.See the fees