By DialHelpUSA Editorial Team · 300-word guide
Chase charges a $34 Overdraft Fee when an account goes negative on a transaction over $50. As of 2022, Chase eliminated fees on transactions $50 or under. There's a maximum of 3 overdraft fees per business day.
Chase also offers Overdraft Protection - linking a savings account or credit card to cover overages. This is free and doesn't trigger overdraft fees.
Call 1-800-935-9935. Press the option for "account questions" or speak to a representative. Say:
"Hi, I noticed an overdraft fee on my account from [date]. I've been a Chase customer for [X years] and I rarely overdraft. Could you please reverse this fee as a one-time courtesy?"
This works more often than you'd expect - Chase's policy gives phone reps authority to refund 1-2 fees per year for customers in good standing. Tone matters: polite, brief, and acknowledging the favor goes a long way.
Different reps have different authority levels. If the first refuses, politely thank them and call back later. The next rep may approve.
You can also visit a branch and ask the banker - in-person requests with longstanding customers often succeed.
If two reps refuse, ask the second one: "I understand. Could I speak with a supervisor about this?" Supervisors have higher refund authority - up to 3-5 fees per year for relationships in good standing.
If the supervisor refuses, ask if there are account-relationship benefits you're missing - sometimes upgrading to a different Chase account tier (Premier, Sapphire) automatically waives overdraft fees going forward.
While you're on the call, ask the rep to set up Overdraft Protection. They can link your Chase savings, credit card, or eligible third account to your checking. When checking goes negative, Chase pulls from the linked account automatically - no fee charged.
Alternatives:
Phone reps can typically refund:
Full Chase contact details: Chase Customer Service.
Generally 1-2 fees per year for customers in good standing. Premier and Sapphire customers often get more. There's no set rule - it depends on the rep, your tenure, and your relationship.
Only on transactions over $50 since 2022. Transactions $50 and under no longer trigger overdraft fees.
Yes - link Overdraft Protection from a savings account or credit card, or opt out of debit-card overdraft so transactions decline instead.
No. Chase actively encourages reps to retain customers; reasonable refund requests are routine and don't affect your accounts.
Other questions our readers commonly ask about this topic:
Yes - Chase Bank customer service is reachable on a toll-free U.S. number that does not charge a per-minute fee. Standard mobile-carrier minutes may apply on metered cellular plans. International callers may pay long-distance charges depending on country and carrier. Visit our Chase Bank contact page for current toll-free numbers and hours.
Simple problems (account access, password resets, basic billing questions) typically resolve in a single 10-15 minute call. Complex issues (refund disputes, identity verification, escalated complaints) usually take 3-7 business days because they need supervisor review or document submission. If your case has stalled past 7 business days, escalate to a supervisor or the executive customer service team.
First, politely ask to escalate to a supervisor or to the executive customer service team. Most brands have an internal "office of the president" that handles complex complaints. If escalation does not resolve it, file a complaint with the Better Business Bureau (bbb.org), your state Attorney General consumer-protection portal, and - for finance, telecom, or airline issues - the relevant federal agency (CFPB, FCC, or DOT). Our Chase Bank customer service guide lists the alternate channels.