Chase checking accounts do not include roadside information as a standard benefit

Most Chase checking accounts—including Chase Total Checking, Chase Premier Plus Checking, and Chase Sapphire Checking—do not come with roadside information coverage. Chase offers roadside information only through certain credit cards, not through their checking products. If you need roadside help and hold a Chase checking account, you would need to arrange it separately through an auto club membership, your car insurance policy, or a roadside information service you purchase directly.

The confusion often arises because some financial institutions bundle roadside information into premium checking accounts, and because Chase does offer it on certain credit cards. But the checking side of Chase's product line does not include this benefit at any tier.

Key Takeaways

  • Chase checking accounts do not include roadside information as a standard or premium benefit.
  • Roadside information through Chase is available only on certain credit cards, not checking products.
  • If you need roadside coverage, you can get it through your auto insurance, an auto club membership like AAA, or a standalone roadside service.
  • Some Chase credit cards—particularly premium travel cards—do include roadside information, so check your card benefits if you carry one.

Where Chase does offer roadside information

Chase includes roadside information on select credit cards, primarily premium travel and rewards cards. The Chase Sapphire Reserve and Chase Sapphire Preferred credit cards both offer roadside dispatch services as a cardholder benefit. This is different from the Chase Sapphire Checking account, which does not include the benefit.

The roadside information on these credit cards typically covers services like towing, lockout information, fuel delivery, and jump starts when you use the card to pay for the service or when the service provider bills the card directly. The specific coverage and limits depend on the card's terms, which you can review in your card's benefits guide or by calling the number on the back of your card.

If you hold one of these credit cards, you already have roadside information available to you—but it comes through the card, not through any checking account you may have with Chase.

How to get roadside information if you use Chase checking

Your auto insurance policy is often the fastest source of roadside information. Most auto insurance carriers include towing and roadside help as an optional add-on, and many include it in standard policies at no extra cost. Call your insurance company to confirm what services they cover and what the process is for requesting help.

An auto club membership like AAA is another direct route. AAA memberships include roadside dispatch, towing up to a certain distance, lockout service, and fuel delivery. Membership costs vary by region and membership tier, but the service is available 24/7 once you join. You can join online or through an AAA office.

Standalone roadside information services like Better World Club or services offered through your mobile phone carrier also exist. Some cell phone plans include roadside information as a built-in benefit, so check your phone bill or contact your carrier to see whether you already have coverage.

What roadside information typically covers

Roadside information services generally cover towing to a repair facility, lockout service if you are locked out of your car, jump starts for a dead battery, fuel delivery if you run out of gas, and tire changes or repair. The exact coverage and distance limits vary by provider and plan level.

Most services limit towing distance—for example, AAA Basic membership covers towing up to 7 miles, while higher tiers cover longer distances. Some services also cap the number of calls you can make per year or per membership period. Read the terms of whatever service you choose so you know what to expect when you need help.

Why Chase checking does not include this benefit

Chase's checking account benefits focus on account features like overdraft protection, fee waivers, and interest rates rather than lifestyle or travel perks. Roadside information is more commonly bundled into premium credit card products, where the annual fee supports a broader set of travel and emergency benefits.

Checking accounts are designed as transaction and deposit products, while credit cards are positioned as spending and rewards vehicles. Chase reserves benefits like roadside information, travel insurance, and concierge services for the credit card side of their business, where they can justify the cost through annual fees or high spending thresholds.

Frequently Asked Questions

Does Chase Premier Plus Checking include roadside information?

No. Chase Premier Plus Checking, which is Chase's highest-tier checking account, does not include roadside information. The account offers benefits like higher interest rates, fee waivers, and priority customer service, but not roadside help.

If I have a Chase credit card with roadside information, can I use it with my checking account?

The roadside information benefit belongs to the credit card itself, not to your checking account. You can use it whenever you need roadside help, regardless of which account you use to pay for it. The benefit is tied to the card, not the bank account.

Can I add roadside information to my Chase checking account?

Chase does not offer roadside information as an add-on to checking accounts. Your options are to get it through your auto insurance, join an auto club like AAA, or purchase a standalone roadside service directly from a provider.

What should I do if my car breaks down and I do not have roadside information?

Call a local towing company directly, or contact your auto insurance company to see if they cover towing. Many policies include at least basic towing. If you do not have insurance coverage, you will pay out of pocket for the tow, but you can join an auto club or purchase roadside information afterward to avoid the cost next time.