All three are reaches (for you and just about everyone else). Your GPA is a little low for these schools, unless you go to a very competitive HS and take unusually demanding courses.
Chicago has RD and non-binding EA. Columbia and WUSTL have RD and binding ED. If you aren't sure which one is your clear first choice (or if you need to compare aid offers) then Chicago's EA option might be best. It offers more flexibility. When their decision arrives, if it does not fall your way then you'll still have time to apply to less selective schools.
Of course, you have many less selective alternatives. You haven't indicated what you're really looking for, but if these 3 are indicative then it seems you'd prefer a private, urban research university. Less selective alternatives might include USC, NYU, UMiami, GW, American, BU, Tulane, CMU. If you want the small classes offered by Chicago and Columbia, then consider a liberal arts college. Urban/suburban LACs that are a bit less selective include Macalester and Bryn Mawr (women only) or Barnard (women only). If you want a LAC with Chicago's nerdy intellectual atmosphere, check out Reed College.
What about costs? All of the above are expensive. Can you afford your EFC? If not, then consider in-state public schools or colleges with guaranteed merit scholarships for your stats.