Final answer:
Chase Total Checking may charge non-sufficient funds (NSF) fees for returned checks, but also offers overdraft protection to prevent checks from bouncing. It's best to review the account's terms or contact Chase for detailed policies.
Step-by-step explanation:
The check return options for Chase Total Checking accounts typically include the standard banking procedures for when a check is returned due to insufficient funds or any other reasons. If a check you have written is returned, Chase may charge you a non-sufficient funds (NSF) fee. However, Chase may offer overdraft protection services that can help prevent checks from being returned if your account balance is too low. It is advisable to contact Chase directly or review your account's terms and conditions for detailed information regarding check return policies and potential fees involved.