This article delves into the various aspects of Chase Total Checking as discussed by Redditors, providing a comprehensive overview of their experiences and opinions.
From the convenience of Chase's extensive branch and ATM network to the competitive edge of their technology and digital tools, Reddit users share insights into what makes Chase Total Checking appealing or concerning.
Chase Total Checking On Reddit: Most Popular Threads
On the positive side, many Redditors appreciate Chase's extensive network of branches and ATMs, along with its robust digital banking tools, including a highly-rated mobile app.
This combination of accessibility and technological innovation makes Chase one of the best checking choices for many, especially those who travel frequently or prefer online banking.
However, several users express concerns about Total Checking fees, particularly for those who cannot meet the requirements to waive them.
Some Redditors also voice frustrations with customer service, citing issues with responsiveness and problem resolution.
Let's see what Redditors discuss in the most popular threads:
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Redditors Praise Chase for Convenient Access and Locations
Chase's vast network of branches and ATMs is a significant draw for many Redditors considering the Chase Total Checking account.
In one thread titled “Chase checking- is it a horrid idea?” user nyjrku highlighted the appeal of Chase's extensive physical presence, noting the “approximately three bajillion locations” in their area.
This sentiment is echoed by credditordebit, who points out that “for every one complaint, there are tens of thousands of happy customers,” emphasizing the importance of accessibility for Chase users (20 upvotes).
Similarly, sail0rjerry shared in another thread titled “People who bank with Chase or similar banks” that Chase has “better and more convenient ATMs” and appreciates the availability of branches and ATMs during travels, earning 20 upvotes.
Bank/Financial Institution | Non Bank ATM Fee | International ATM Fee |
|---|---|---|
Chase
| $3 | $5 + 3% |
CitiBank | $2.5
| $2.5 + 3%
|
Wells Fargo | $2.5
| $2.5 + 3%
|
Bank Of America | $2.5
| $2.5 + 3%
|
US Bank | $2.5 | $2.5 + 3%
|
PNC Bank | $0
| 3%
|
Capital One
| $2
| $2 + 3%
|
TD Bank
| $0
| $0
|
Citizen Bank
| $2 | $0
|
Synchrony Bank
| $0
| 3%
|
Note: Additional fees may be imposed by non bank ATM owners. (Usually $3 – $5 operator fee)
For many, the ability to access banking services easily, whether through branches or reliable online platforms, is a key reason for choosing Chase over other banks or local credit unions.
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Fees and Account Management: Redditors Weigh Pros and Cons
Fees associated with Chase Total Checking accounts are a significant topic of discussion among Reddit users. In the thread “Chase checking good idea?,” DanielleMercado notes that a “$500 direct deposit or daily balance of $1500 waives the fee of $12,” offering a straightforward way to avoid charges (5 upvotes).
Account | Monthly Fee | Average Day Balance To Waive |
|---|---|---|
Chase Total Checking | $12 | $1,500 |
Chase Premier Plus Checking | $25 | $15,000 |
Chase Sapphire Checking | $25 | $75,000 |
Chase College Checking | $12 | $1,500 |
Chase Private Client Checking | $30 | $150,000 |
Chase Business Complete Banking | $15 | $2,000 |
Chase Performance Business Checking | $30 | $35,000 |
Chase Platinum Business Checking | $95 | $100,000 |
However, some users express frustration with the necessity of maintaining specific balances. t0astter shares their dissatisfaction with fees, explaining that “there was always a certain amount of money that couldn't be invested, just to avoid fees,” which they found inconvenient.
Birdy_Cephon_Altera also comments on the historical context, stating, “free checking accounts used to be much less common,” and acknowledging that today's landscape is more favorable, yet still challenging for those not meeting certain criteria (6 upvotes).
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Technology and Online Banking: A Strong Point for Chase According to Redditors
Chase's technology and online banking capabilities are highly regarded by many Redditors, contributing positively to the perception of Chase Total Checking accounts.
In the thread “Is Chase a good place to bank? Any good experiences?,” fly_eagles_fly acknowledges that Chase is a “huge bank with the latest and greatest in technology,” emphasizing the importance of a seamless digital experience for users (17 upvotes).
Similarly, in the thread “People who bank with Chase or similar banks,” sail0rjerry appreciates Chase's “convenient ATMs” and notes the bank's ability to provide services efficiently, contributing to their preference for Chase (20 upvotes).
For many Redditors, the combination of a robust app, widespread ATM availability, and reliable online services makes Chase a competitive choice, particularly for those who prioritize digital banking solutions.
Bank | JD Power Score 2023 (1,000 point scale) | TrustPilot 2023 (5 point scale) |
|---|---|---|
Capital One | 706 | 1.3 |
Chase | 674 | 1.6 |
TD Bank | 661 | 1.6 |
U.S. Bank | 652 | 1.3 |
PNC Bank | 651 | 1.3 |
Citibank | 649 | 1.2 |
Bank Of America | 648 | 1.3 |
Wells Fargo | 625 | 1.7 |
Truist Bank | 624 | 1.2 |
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Chase's Handling of Cryptocurrency and Cash Transactions: Redditors Voice Concerns
Chase's policies regarding cryptocurrency and large cash transactions have sparked concern among Redditors, reflecting broader apprehensions about financial privacy and autonomy.
In the thread “Chase checking- is it a horrid idea?,” nyjrku raises questions about Chase's stance on bitcoin and cash, mentioning that they “lean a little bit towards being pro bitcoin” and are wary of Chase's “cashless direction” (original post).
pementomento shares similar reservations, stating that they avoid Chase checking due to the risk of “the entire thing being shut down over some stupid ‘questionable' cash or crypto transaction”
In contrast, some users defend Chase's approach as a necessary measure to manage risk and comply with regulations. VTECbaw explains that Chase has the right to choose its customers and aims to “stay away from doing business with individuals and companies they deem high risk” (9 upvotes).
These discussions illustrate a tension between financial freedom and regulatory compliance, with Redditors expressing diverse views on how Chase's policies impact their banking experience, particularly those involved in cryptocurrency or large cash transactions.
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Branch and In-Person Experience: Opinions Divided Among Redditors
The in-person experience at Chase branches receives mixed reviews from Reddit users, highlighting varying priorities and expectations.
In the thread “Is Chase a good place to bank? Any good experiences?,” dmceowen discusses the pros and cons of banking with large institutions like Chase, noting that “smaller banks are more personal” but may lack the technological advantages of bigger banks (8 upvotes).
UAsolracz appreciates the “convenience of having branches in my area,” underscoring the importance of physical locations for those who value face-to-face interactions and immediate access to banking services (4 upvotes).
However, not all experiences are positive. daxgregorymichaels criticizes the need for scheduled appointments, viewing it as a sign of Chase's impersonal nature, and advises seeking banks that prioritize individual customer needs (1 upvote).
These varied perspectives demonstrate that while some Redditors appreciate Chase's extensive branch network and physical presence, others feel that the personal touch is lacking, leading them to consider smaller banks or credit unions that offer a more individualized approach.
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Customer Loyalty and Longevity with Chase: A Testament to Reliability?
Customer loyalty is a key aspect highlighted by Redditors in discussions about Chase Total Checking accounts, with many users sharing long-term experiences that speak to the bank's reliability.
In the thread “Chase checking- is it a horrid idea?,” VTECbaw shares that they have been with Chase for “20 years,” indicating that they've “never had a single problem” (9 upvotes).
This sentiment is echoed by capybaramelhor, who notes their decade-long relationship with Chase without issues, suggesting that consistency and trust are vital factors in their continued patronage (5 upvotes).
However, some Redditors, such as iamspeedking, indicate potential cracks in this loyalty due to negative experiences, such as being denied access to funds with proper ID, prompting them to consider switching banks.
Overall, Chase's ability to retain customers over long periods suggests that many Redditors find the bank to be a reliable partner for their financial needs, although individual experiences can vary greatly.
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Redditors Discuss Chase's Marketing and Promotional Offers
Chase's marketing strategies and promotional offers, particularly their account opening bonuses, are frequently discussed by Reddit users.
In the thread “Chase checking good idea?,” Jun19381 highlights a promotional offer of up to “$300” for opening a checking account, emphasizing that it's a “good time to switch now” due to these incentives.
Bank/institution | Promotion | Min Deposit | Expiration |
|---|---|---|---|
Axos Rewards Checking | $500 | $50 | 06/30/2024 |
Chase Total Checking® | $300 | $0 | 10/15/2025 |
Citi Personal Checking | $325 | $10,000 – $300,000 | 1/7/2025 |
SoFi Checking and Savings | $50 – $300 | $1,000 – $5,000 | 12/31/2024 |
Bank Of America Advantage Banking Account | $300 | $1,000 or more in direct deposits within 90 days | 01/31/2025 |
Wells Fargo Everyday Checking | $300 | $1,000 | 01/08/2025 |
Such promotions are appealing to potential customers looking for immediate financial benefits. fly_eagles_fly also acknowledges the attractiveness of Chase's marketing, explaining that the bank's “latest and greatest in technology” and promotional offers can outweigh the benefits of smaller banks or credit unions (17 upvotes).
However, some Redditors are skeptical of these promotions. Select_Hearing5437 shares a negative experience where a promised bonus was not honored due to account complications, highlighting the importance of reading fine print and understanding terms before engaging with such offers.
