If we authorize and pay an overdraft, we'll charge you a $34 Overdraft Fee (may also be referred to as Insufficient Funds Fee) per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

Chase Overdraft Assist℠ Your checking account is overdrawn when there's not enough money to cover a payment, purchase or check you write. We may pay overdraft transactions at our discretion based on your account history, the deposits you make and the transaction amount.

Add money to your account so that you are overdrawn by $50 or less by the next business day. If you do so by 11 p.m. ET (8 p.m. PT) on the next business day, Chase won't charge overdraft fees. Monitor your spending and bank accounts.

There is no minimum balance required for Chase checking accounts, but keeping a certain balance is one way to avoid a monthly fee on some accounts - for example, the $12 monthly fee for Chase Total Checking® is waived if you maintain a $1,500 balance at the beginning of each day.

For Chase Sapphire℠ Checking and Chase Private Client Checking℠ accounts, there are no Overdraft Fees when item(s) are presented against an account with insufficient funds on the first four business days during the current and prior 12 statement periods.

An overdraft limit is the maximum amount that banks allow you to withdraw. For example, you might have a bank account balance of $5,000 with an overdraft limit of $500. It means that you can spend up to $5,500, but you can't withdraw or request for an added money if the payment exceeds the limit.

If your account balance at the end of the business day is overdrawn by more than $50, then you need to make a deposit or transfer to avoid an Overdraft Fee on the transactions that overdrew your account.

If a payment takes you into any arranged overdraft, you have until the end of the day to pay money into your account to avoid daily arranged overdraft interest for that day.

Reasons You Can Be Denied a Checking Account Excessive overdrafts or nonsufficient funds incidents. Unpaid fees or negative account balances, whether from an active or closed account. Suspected fraud or identity theft.

Enjoy $200 as a new Chase checking customer, when you open a Chase Total Checking® account1 and make direct deposits totaling $500 or more within 90 days of coupon enrollment. Account subject to approval. JPMorgan Chase Bank, N.A. Member FDIC.

You can commonly expect banks to charge a maximum of 4 to 6 overdraft fees per day per account, though a few outliers do allow as many as 12 in one day.

No charges apply if you go into an unarranged overdraft. But you will not be able to withdraw cash or transfer money until your account balance is back in credit or within its limit. Unarranged overdrafts can be bad for your credit score.