We make this decision at our discretion based on several factors such as the transaction amount and your account history. This is the amount of money in your account that is available to spend, withdraw or cover transactions. Your available balance is updated throughout the day based on your account's activity. Your available balance incorporates any holds on your account, such as holds for debit card transactions we've authorized, and deposit holds.
Keep in mind that there are a few things that are not included in your available balance such as checks you've written that we haven't received yet and upcoming automatic payments.
You'll also want to account for transactions where the final amount may differ from the amount that was originally authorized, such as when a tip is added to a restaurant charge.
A one-time debit card purchase such as groceries or a cup of coffee, the transaction will be declined with no fee. A recurring debit card payment such as for a gym membership or subscription service, we may allow the payment to go through, overdrawing your account, and may charge a fee.
If we don't allow the payment to go through, we won't charge a fee. An ATM withdrawal, we may give you the opportunity to overdraw your account for that specific withdrawal if you agree to our overdraft practices and fee at the ATM. If you cancel the withdrawal, we won't charge a fee. Check, Bill Pay payment or a scheduled electronic payment using your routing and account number, we may allow the payment to go through, overdrawing your account, and may charge a fee.
If we don't allow the payment to go through and return it unpaid, we may charge a fee. The best way to avoid overdrafts is to always make sure you have enough money to cover your purchases and upcoming payments.
We have some great tools that can help you monitor your account balance and activity:. There are no overdraft or non-sufficient funds fees with this account. You may also want to visit Better Money Habits to learn more about saving and budgeting or explore our Spending and Budgeting Tool. The remaining balance is available to cover the transactions we receive that day. We then post transactions to your account in the following order:.
We charge overdraft fees when a transaction exceeds your available balance. Your Account Details section in Mobile and Online Banking show transactions that posted to your account on a given day. You can see how processing transactions and holds impacted your available balance and the order in which transactions were posted to your account by viewing your Account Balance History in Online Banking. Keep in mind that Account Balance History is only available after transactions have posted to your account.
Please refer to the Personal Schedule of Fees for more details. Online Investing with J. Chase for Business. Commercial Banking. See all. About Chase J. Chase Overdraft Services. Debit Card Coverage. Everyday debit card transactions ONLY e. Update coverage. Overdraft Protection previous. How Transactions Post next. These alerts can help you know when you are at risk of overdrawing your account.
If you have regular electronic transfers, such as mortgage payments or utility bills, make sure you know how much they will be and on what day they occur so you can ensure you have enough money in your account. Searches are limited to 50 characters. Please do not share any personally identifiable information PII , including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.
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