Compare Chase Bank’s savings and checking accounts | finder.com
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Compare Chase Bank’s suite of savings and checking accounts

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

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.

What banking products does Chase offer?

  • Prepaid cards
  • Credit cards
  • Lines of credit
  • Mortgages
  • Car buying services and loans
  • Merchant services for businesses
Name Product APY ATMs Fee
Nationwide. Access to 16,000 ATMs and 5,100 branches.
$6/month
(can be waived)
College Checking comes with no monthly service fee as long as you’re between 17-24 years and a student for up to 5 years.
Nationwide. Access to 16,000 ATMs and 5,100 branches.
$12/month
(can be waived)
Our most simple checking account is easy to use and gives you access to 16,000 ATMs and 5,100 branches.
0.01%
Nationwide.
Access to 16,000 ATMs and 5,100 branches.
$25/month
(can be waived)
Earn interest with Chase Premier Plus CheckingSM.
0.01%
Nationwide.
5,100 branches in 28 states.
$25/month
(can be waived)
Premium banking and more, designed for your life.

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Name Product Fee Minimum deposit to open Minimum balance to earn interest APY
$5 per month
(can be waived)
$25
$0
0.01%
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 10 business days and maintain a $10,000 balance for 90 days.

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Popular Chase checking and savings accounts

1. Chase Savings — 0.01% interest

  • Get a $150 bonus when you deposit at least $10,000 within 20 business days and maintain that balance for 90 days.
  • Requires a $25 minimum deposit.
  • Pay a $5 monthly service fee, unless any one of these applies to you:
    • Are younger than 18.
    • Have at least $300 in your account at the beginning of each day.
    • Have a minimum monthly $25 automatic transfer from your personal Chase checking account.
    • Link the account to your Chase Premier Plus Checking, Chase Premier Platinum Checking or Chase Private Client Checking account.

2. Chase Premier Savings — 0.04% to 0.11% interest

  • Requires a $100 minimum deposit to open.
  • Pay $25 monthly service fee, which is waived if any one of these applies to you:
    • Have $15,000 or more in your account at the beginning of each day.
    • Link the account to your Chase Premier Plus Checking or Chase Premier Platinum Checking account.

3. Chase Total Checking

  • Get a $200 bonus when you open the account and set up direct deposit.
  • Pay a $12 monthly service fee, which is waived if any one of these applies to you:
    • Receive direct deposits totaling at least $500 each month.
    • Have $1,500 or more in your account at the beginning of each day.
    • Have at least $5,000 in qualifying linked accounts at the beginning of each day.
  • Requires a $25 minimum deposit to open.
  • This account doesn’t earn interest.

4. Chase Premier Plus Checking — 0.01% interest

  • Get a $300 bonus when you open the account and set up direct deposit.
  • Pay a $25 monthly service fee, which is waived if any one of these applies to you:
    • Have at least $15,000 in qualifying linked accounts at the beginning of each day.
    • Have a linked qualifying Chase first mortgage account that is enrolled in automatic payments from your checking account.
  • Requires a $25 minimum deposit to open.
  • No fee from Chase on your first four non-Chase ATM transactions per statement period.
  • Access to rent a free 3×5 inch or smaller safe deposit box.

5. Chase Sapphire Checking — 0.01%interest

  • Pay a $25 monthly service fee, which is waived if you have $75,000 or more in qualifying linked accounts at the beginning of each day.
  • No fee from Chase on non-Chase ATM transactions.
  • No extended overdraft, insufficient funds, incoming wire transfer fees and more.
  • Rent-free 3×5 inch or smaller safe deposit box.
  • Requires $100 minimum deposit to open.

6. Chase College Checking

  • Get a $100 bonus when you open a new account with qualifying activities.
  • Pay a $6 monthly service fee, which is waived if any one of these applies to you:
    • Are between the ages of 17 and 24 and enrolled in college.
    • Have a monthly direct deposit into this account.
    • Have a at least $5,000 in your account at the end of each day.
  • Pay a $25 minimum deposit to open.
  • This account doesn’t earn interest.

7. Chase CDs — 0.02% to 1.75% interest

  • No monthly service fee.
  • Requires a $1,000 minimum deposit to open.
  • Terms available between 1 month and 10 years.

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 5,100 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.

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?

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, 5,100 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.

What do regulators and customers say about CChase?

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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