Checking
How the signal works ↗Updated 9 NovCompare with Fidelity Cash Management Account
Reddit · r/Banking · Feb 20, 2026
MixedSummary of a Reddit post
They switched from Wells Fargo for the sign-up bonus and like that external transfers over RTP reach their brokerage instantly, but dislike that the account allows overdrafting and plan to move to Secure Checking.
Reddit · r/personalfinance · Sep 20, 2025
NegativeSummary of a Reddit post
They opened Total Checking in April and liked the convenience, but Chase sent a letter closing it and their other checking account within 30 days, citing improper use of the claims process after several disputes.
Reddit · r/CreditCards · Aug 4, 2025
PositiveSummary of a Reddit post
They opened Total Checking and Savings on their second day in the US without an SSN, had their payslips land there, and the banking relationship later helped with an in-branch card approval.
The praise reviewers mention most: fast transfers (1 review).
Category: Checking. Type: Bank checking account. Fees: $15 monthly service fee, or $0 with qualifying electronic deposits of $500+ or another listed option.
3 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.