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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.

Our pick for a Chase product: Chase Business Complete Banking

$0

Deposit to Open

  • $300 bonus offer
  • Ways to waive monthly fees
  • Unlimited free transactions
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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 APY Minimum deposit to open ATMs Out-of-network ATM fee
Chase Business Complete Banking
Finder Rating: 2.8 / 5: ★★★★★
Chase Business Complete Banking
N/A
$0
over 16,000 in-network ATMs
$2.50
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer
Chase Private Client
Chase Private Client
0.01%
$250,000
Get the most out of everything you’ve earned with banking, credit cards, lending and investing strategies designed for you.
Chase Premier Plus Checking
Finder Rating: 2.5 / 5: ★★★★★
Chase Premier Plus Checking
0.01%
$0
Access to 16,000 ATMs and more than 4,700 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
Finder Rating: 2.5 / 5: ★★★★★
Chase Sapphire Checking
0.01%
$0
Free to use anywhere worldwide
$0
Get a $1000 welcome bonus when you join Sapphire Banking. 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 College Checking
Finder Rating: 3.2 / 5: ★★★★★
Chase College Checking
N/A
$0
16,000 Chase ATMs and more than 4,700 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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Name Product Annual percentage yield (APY) Fee Minimum deposit to open
Chase Savings
Finder Rating: 3.3 / 5: ★★★★★
Chase Savings
0.01%
$5 per month
(can be waived)
$0
A simple savings account with low, waivable monthly fees and a $150 signup bonus when you meet deposit and balance requirements.
Chase Premier Savings
Finder Rating: 2.3 / 5: ★★★★★
Chase Premier Savings

0.01% on $0+ or higher with qualifying checking activity
$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.
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Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
Chase CD
0.01% on CDs of $10,000+

0.01% on CDs of $0 to $99,999
0.05% on CDs of $1,000+

0.01% on CDs of $0 to $99,999
0.01%
0.01% on CDs of $10,000+

0.01% on CDs of $0 to $99,999
Chase CD Relationship
0.05% on CDs of $10,000+

0.02% on CDs of $1,000 to $9,000
0.05% on CDs of $10,000+

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

Chase BankingChase Banking

$300 signup bonus when you open a new Chase Business Complete Banking account with qualifying activities

Offer valid for Chase business checking accounts through July 23, 2021, when you deposit $2,000 within 30 days of opening your account, maintain $2,000 for 60 days and complete five transactions within 90 days.

Transactions include: debit card purchases, QuickDeposit, ACH deposit, wires transfers.

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Deal ends

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

Chase Savings

Earn a 0.01% APY

    • Requires a $0 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.

    Chase Premier Savings

    The APY ranges from 0.01% to 0.11% APY

    • Requires a $25 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 Sapphire Checking account.

    Chase Total Checking

    • 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 $0 minimum deposit to open.
    • This account doesn’t earn interest.

    Chase Premier Plus Checking

    Earn a 0.01% APY

    • 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 $0 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.

    Chase Sapphire Checking

    Earn a 0.01% APY

    • 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 $0 minimum deposit to open.

    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 $0 minimum deposit to open.
    • This account doesn’t earn interest.

    Chase Business Complete Banking

    Earn a $300 bonus when you open a new Chase Business Complete Banking account.

    • No minimum opening deposit required.
    • Pay a $15 monthly service fee, which you can waive when you meet one of the following requirements:
      • $2,000 minimum daily balance
      • $2,000 in purchases on your Chase Ink Business Card
      • $2,000 in deposits from QuickAccept or other eligible Chase Merchant Services transactions
      • Link a Chase Private Client Checking account

    Chase CDs

    Earn a 0.01% APY

    • 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 more than 4,700 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, more than 4,700 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 0.01% 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 online banking system and mobile app with a built-in virtual assistant that can help you complete common banking tasks from anywhere.

    Cons

    • Limited availability. Chase has more than 4,700 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

    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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