The document establishes a $34 overdraft fee per transaction for transactions that overdraw an account by more than $50 during nightly processing, with a maximum of three fees per business day ($102). Chase Overdraft Assist, which requires no enrollment, eliminates the fee if the account is brought to overdrawn by $50 or less by the end of the same or next business day by 11 p.m. ET.
This analysis describes what Chase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision defines the primary fee trigger and waiver mechanism for overdraft charges across eligible Chase personal checking accounts. The $50 threshold and next-business-day cure window are operationally significant conditions that determine whether a $34 fee applies to any given overdraft transaction.
This provision establishes that overdraft fees of $34 per transaction apply to transactions exceeding a $50 overdraft threshold, with a same-day or next-business-day deposit window available to eliminate the fee without requiring enrollment in any additional service. Consumers using Chase Secure Checking or Chase First Checking are not eligible for Standard Overdraft Practice or related services.
Cross-platform context
See how other platforms handle Overdraft Fee Structure and Chase Overdraft Assist and similar clauses.
Compare across platforms →"We charge a $34 Overdraft 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). With Chase Overdraft AssistSM, if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day. Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.Excerpt from Chase's Fee Schedule
1.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
This provision defines the primary fee trigger and waiver mechanism for overdraft charges across eligible Chase personal checking accounts. The $50 threshold and next-business-day cure window are operationally significant conditions that determine whether a $34 fee applies to any given overdraft transaction.
This provision establishes that overdraft fees of $34 per transaction apply to transactions exceeding a $50 overdraft threshold, with a same-day or next-business-day deposit window available to eliminate the fee without requiring enrollment in any additional service. Consumers using Chase Secure Checking or Chase First Checking are not eligible for Standard Overdraft Practice or related services.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Chase.