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Compare Chase banking products: Savings, Checking, and CDs

As the largest bank in the US, it serves millions of customers with a range of financial products.

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Our pick for a Chase product: Chase Total Checking

Chase Total Checking logo

$0

Deposit to Open

  • $200 sign up bonus
  • 24/7 customer service
  • Access to 16,000 ATMs
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Chase Bank is the largest bank in the US, making it one of the most financially secure institutions in the country. It serves over half of all American households with a variety of financial products including personal banking, credit cards and more.

Compare Chase banking products

Click on a tab to view and compare the products in that category.

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Chase Total Checking
$0
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$2.50
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Chase Premier Plus Checking
$0
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$2.50
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Chase Sapphire Checking
$0
Free to use anywhere worldwide
$0
Get a $1000 welcome bonus when you join Sapphire Banking by October 14, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Chase Total Business Checking
$0
16,000 Chase ATMs and nearly 4,900 branches
$0
If you’re new to Chase Total Business Checking®, get $300 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.
Chase Private Client
$250,000
$2,000 Welcome Bonus when you upgrade by October 14, 2020. Within 45 days, transfer a total of $250,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any You Invest, J.P. Morgan retirement accounts and CDs), and maintain that balance for 90 days. Offer available to existing Chase customers only.
Chase College Checking
$0
16,000 Chase ATMs and nearly 4,900 branches nationwide
$2.50
New Chase customers can get a $100 signup bonus when they complete 10 qualifying transactions within 60 days of account opening. Plus no monthly service fee as long as you’re between 17-24 years and a student for up to 5 years.
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$
$
months
Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned More info
Chase Savings
0.01%
$5 per month
(can be waived)
$0
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A simple savings account with low, waivable monthly fees and a $150 signup bonus when you meet deposit and balance requirements.
Chase Premier Savings

0.01% on $0+ or higher with qualifying checking activity
$25 per month
(can be waived)
$25
Read review
View details
Earn $150 when you open this account and deposit $10,000 of new money within 20 business days and maintain that balance for 90 days.
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Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
Chase CD
0.05% on CDs of $10,000+

0.02% on CDs of $0 to $99,999.99
0.05% on CDs of $1,000+

0.02% on CDs of $0 to $99,999.99
0.05%
0.05% on CDs of $10,000+

0.02% on CDs of $0 to $99,999.99
Chase CD Relationship
0.1% on CDs of $10,000+

0.02% on CDs of $1,000 to $9,000
0.1% on CDs of $10,000+

0.02% on CDs of $1,000 to $9,999
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Chase signup bonus coupons

Chase Banking Chase Banking

$200 signup bonus when you open a new account with direct deposit

Offer valid for Chase Total Checking through October 14, 2020, when you set up direct deposit within 60 days of opening your account.

Last verified

Chase Banking Chase Banking

$300 signup bonus when you open a new account with direct deposit

Offer valid for Chase Premier Plus Checking through October 14, 2020, if you're a new Chase checking customer and set up direct deposit.

Last verified

What banking products does Chase offer?

Personal banking
  • Checking accounts
  • Savings accounts
  • Money market accounts
  • CDs
  • Prepaid cards
  • Student accounts
  • College 529 plans
  • IRAs
  • Mutual funds
  • Annuities
Business banking
Other products
  • Credit cards
  • Lines of credit
  • Mortgages
  • Car buying services and loans

How does Chase compare to other banks and services?

JPMorgan Chase holds more than $2 trillion in assets, making it the largest of the Big Four banks in the US. Headquartered in Manhattan, Chase operates in 28 states with a total of nearly 4,900 branches — second only to Wells Fargo. It has more ATMs than any other bank, with a grand total of over 16,000 units that account for 17.5% of all bank-owned ATMs.

Checking accounts

Pros

  • Convenience. With over 16,000 ATMs, nearly 4,900 branch locations and a great online platform, you’ll get easy access to your money.
  • Overdraft protection. If your account falls below $0, Chase essentially lends you the money to cover the difference — but you’ll pay a fee each time you use it.
  • Signup bonuses. Chase is known for offering attractive signup bonuses for new checking account customers.

Cons

  • ATM fees. If you make a withdrawal at a non-Chase ATM, you’ll pay $2.50 on top of the ATM fee. If you’re outside the country, you’re looking at a fee of $5 plus 3% of the transaction.
  • Overdraft fees. If you don’t have your savings account linked to your checking account, you’ll pay $34 each time you overdraft, up to three times a day.
  • Monthly fees. Every Chase checking account has an associated monthly fee. Although it can be waived when you meet certain requirements.

Savings accounts

Pros

  • Incentives. Chase offers a range of signup bonuses and incentives for opening new savings accounts.
  • Low minimums. Chase savings accounts have low minimum deposit requirements.
  • Automatic Savings Programs. Make your savings automatic when you turn on this feature and have money sent from your checking account to savings every month.

Cons

  • Low interest rates. Interest rates on Chase bank accounts are far lower than its competitors. If you’re looking for leading high-interest savings accounts, you may want to consider credit unions, smaller banks or online savings accounts.
  • Monthly service fees. You’ll pay $5 or $25 a month depending on which savings account you go with, although there are ways to waive these fees.
  • Excessive transaction fee. If you make more than 6 outgoing transactions a month, Chase charges you a $5 fee each time.

CDs

Pros

  • Accessible interest. Although you can’t touch your principal balance until maturity, you can withdraw your interest at any time.
  • Automatic renewals. Your CD automatically renews once it matures, so you can keep on saving.
  • Flexible terms. With Chase, you can lock your money away for as short as one month or as long as 10 years.

Cons

  • Low APYs. Earn a 0.02% APY, which is subpar at best.
  • $1,000 opening deposit. You’ll need to set aside at least $1,000 to open a Chase CD. While this isn’t the highest opening deposit we’ve seen, there are lower minimums out there.
  • Early withdrawal penalties. Chase charges a 90% early withdrawal penalty for terms of one to 5 months and 180% for terms of 6 months or more.

Overall banking

Pros

  • Security. Chase is the largest financial institution in the US, meaning you’ll have the peace of mind that your money is safe.
  • Linked accounts. Since Chase offers so many financial products, linking your accounts will allow you to easily manage your money, make transfers and more.
  • Great technology. Chase has an intuitive site, online banking system and mobile app, making it simple to manage your accounts from anywhere.

Cons

  • Limited availability. Chase has nearly 4,900 branches, but its services are only available in 28 states.
  • Below-average customer service. Many customers have had issues with communication, billing and more.
  • Low rates across the board. Chase is one of the biggest banks in the country, but its high monthly fees and low interest rates may not be worth the name recognition.

Compare Chase to the competition

Where does Chase have branches?

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Massachusetts
  • Michigan
  • Nevada
  • New Jersey
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Why should I open an account at Chase?

    Case study: Jon’s experience – April 2019

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    Jon Brodsky
    CEO, Finder US

    I’ve been a Chase checking customer since it purchased Bank of New York in 2006. I was pretty happy with Chase for the first 10 years, despite the fact that they never offered me a mortgage and regularly called to offer me services I didn’t want. But in 2016, my overdraft credit coverage was canceled. It had allowed me to use a credit card to fund overdrafts rather than savings, and was super convenient when I was in a pinch.

    Since then, I’ve been gradually moving my checking account away from Chase to other financial institutions that have been willing to provide me with a mortgage. While I love Chase’s extensive ATM network and the one-button press at their ATMs to get money, and I’ve found their many branches with a notary handy once or twice per year, that’s not enough to keep me in the fold using Chase as my primary checking account. In addition, I’ve found the fees that they charge for the occasional slip-up are higher than other banks, and I hate how Chase’s non-US network is sparse at best and I’m always paying fees overseas.

    Chase reviews and complaints

    Chase Bank holds the highest possible long-term financial ratings from all three major ratings agencies: Fitch, S&P and Moody’s. However, customers seem to have a much different opinion of the institution.

    Chase is not accredited with the Better Business Bureau, where it receives an F rating based on its failure to respond to 144 complaints and government action taken against it. Customers cite problems with resolving issues with accounts, lack of communication, unfairly rejected applications and more.

    Bottom line

    Chase is a popular bank for millions of customers across the country, offering a range of products and is backed by high financial ratings. If you’re looking to open multiple accounts and want easy access to your money, Chase might be the right choice for you. However, if you’re looking for high interest rates and personalized customer service, you may be better off comparing options from smaller institutions.

    Common questions about banking at Chase

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