Compare Chase Bank’s suite of savings and checking accounts

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

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Chase

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Saving money takes work, and when it comes time to deposit your hard-earned cash, it can be daunting to choose an institution to keep your money safe. 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.

Editor's pick: Chase Sapphire Checking

  • No ATM fees worldwide
  • Invest for free
  • 24/7 dedicated banking service line: 1-888-26CHASE

Editor's pick: Chase Sapphire Checking

Get a $1,000 welcome bonus when you join Sapphire Banking (terms apply).

  • Premium banking and more, designed for your life
  • Account balance earns interest
  • Up to 4 NSF fees waived each year

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
Name Product APY ATMs Fee
Chase Sapphire Checking
0.01%
Free to use anywhere worldwide
$25/month
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 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 Checking
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$12/month
(can be waived)
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 Total Business Checking
16,000 Chase ATMs and nearly 4,900 branches
$15/month
(can be waived)
If you’re new to Chase Total Business Checking®, get $200 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.
Chase Premier Plus Checking
0.01%
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$25/month
(can be waived)
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 College Checking
16,000 Chase ATMs and nearly 4,900 branches nationwide
$6/month
(can be waived)
New Chase customers can get a $100 signup bonus when they enroll in paperless statements and 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.
Chase Private Client
0.01%
$0
$2,000 Welcome Bonus when you upgrade by March 06, 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 J.P. Morgan retirement accounts and CDs), and maintain that balance for 90 days. Offer available to existing Chase customers only.

Compare up to 4 providers

Name Product Interest rate (APY) Fee Minimum deposit to open
Chase Savings
0.01%
$5 per month
(can be waived)
$0
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 20 business days and maintain a $10,000 balance for 90 days. Or get $350 when you open both a Chase Savings and Chase Total Checking account. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Chase Premier Savings
0.01%
$25 per month
(can be waived)
$25
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.

Compare up to 4 providers

Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
Chase CD
0.01%
0.05%
0.3%
0.3%
Chase CD Relationship
0.05% on CDs of $100,000+

0.02% on CDs of $10,000 to $99,999

0.02% on CDs of $1,000 to $9,999
0.3% on CDs of $100,000+

0.25% on CDs of $10,000 to $99,999

0.15% on CDs of $1,000 to $9,999
0.75%
1.01% on CDs of $100,000+

1.01% on CDs of $10,000 to $99,999

0.75% on CDs of $1,000 to $9,999
0.75%

Compare up to 4 providers

Chase signup bonus coupons

Chase Banking Chase Banking

$100 signup bonus when you open a new account

Offer valid for Chase College Checking through April 9, 2020, when you enroll in paperless statements and complete 10 qualifying transactions within 60 days of account opening.

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Chase Banking Chase Banking

Get a $1,000 welcome bonus when you join Chase Sapphire Banking

Offer valid through March 06, 2020, for Chase Sapphire Checking if you 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) within 45 days, and maintain the balance for at least 90 days.

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Chase Banking Chase Banking

$2,000 signup bonus when you join Chase Private Client

Offer valid through March 06, 2020, for existing Chase customers in 23 eligible states when you transfer a total of $250,000 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) within 45 days of joining, and maintain the balance for at least 90 days.

Last verified

Chase Banking Chase Banking

Up to $625 signup bonus + free trades for a year when you open a new account

Offer valid for You Invest by JPMorgan when you fund your new account with new cash or securities from a non-Chase or JPMorgan account within 45 days and maintain your balance for 90 days, not including trading losses. $200 bonus for a balance of $25,000+, $300 bonus for a balance of $100,000+ and $625 bonus for a balance of $250,000+. Offer valid through February 28, 2020.
INVESTMENT PRODUCTS: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE

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Chase Banking Chase Banking

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

Offer valid for Chase Premier Plus Checking through April 20, 2020, if you're a new Chase checking customer and set up direct deposit.

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Chase Banking Chase Banking

$350 signup bonus when you open both checking and savings accounts

Offer valid for opening both Chase Total Checking and Chase Savings accounts when you set up direct deposit on the checking account and deposit $10,000 or more in new money in the savings account, plus maintain a $10,000 balance for 90 days. Offer valid through April 20, 2020.

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Chase Banking Chase Banking

$150 signup bonus when you open a new account

Coupon valid for Chase Savings through April 20, 2020, when you deposit a total of $10,000 or more in new money within 20 days and maintain a $10,000 balance for 90 days. $200 in additional bonus money is available if you open both Chase Savings and Chase Total Checking accounts.

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Chase Banking Chase Banking

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

Offer valid for Chase Total Checking through April 20, 2020, when you set up direct deposit within 60 days of opening your account.

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Chase Banking Chase Banking

$200 signup bonus when you open a new business account

Offer valid through April 16, 2020, for Chase Total Business Checking if you’re new to Chase and complete qualifying activities.

Last verified

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 5,000 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.

Compare Chase to the competition

Where does Chase have branches?

Why should I open an account at Chase?

With a wide range of banking and other financial products, Chase is a popular choice for millions of Americans. From convenience to security, here are other reasons you might like Chase:

  • Security. Chase is the largest financial institution in the US, meaning you’ll have the peace of mind that your money is safe. Plus, it’s FDIC-insured, meaning your deposits are protected for $250,000 or more.
  • Incentives. Chase offers a range of signup bonuses and incentives for opening new accounts.
  • Convenience. With over 16,000 ATMs, nearly 5,000 branch locations and a great online platform, you’ll get easy access to your money.
  • 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.
  • Low minimums. Chase checking and savings accounts have low minimum deposit requirements.
  • Overdraft protection. If your account falls below $0, Chase essentially lends you the money to cover the difference — for a fee each time you use it.
  • Easy mobile payments. CChase QuickPay with Zelle allows customers to make and recieve mobile payments using just the recipient’s email address. .

What should I look out for?

As with any large financial institution, there are a few drawbacks to banking with Chase. Here’s what to look out for:

  • Low interest rates. Interest rates on Chase bank accounts are far lower than its competitors. If you’re looking for high-interest savings accounts, you may want to consider credit unions, smaller banks or online savings accounts.
  • Limited availability. Chase’s services are only available in 28 states.
  • ATM fees. If you make a withdrawal at a non-Chase ATM, you’ll be charged $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.
  • Below-average customer service. Many customers have had issues with communication, billing and more.

Case study: Jon’s experience

profile pic

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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