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.

Our top pick: Chase Total Checking

  • Access 16,000 ATMs and nearly 5,000 branches
  • Chase debit card with chip technology
  • 24/7 customer service

Our top pick: Chase Total Checking

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 5,000 branches.

  • Access to Chase DepositFriendly ATMs
  • No minimum deposit to open
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What banking products does Chase offer?

  • Checking accounts
  • Savings accounts
  • Money market accounts
  • CDs
  • Personal and business online bank accounts
  • Student bank accounts
  • Business accounts
  • Commercial banking
  • College 529 plans
  • IRAs
  • Mutual funds
  • Annuities
  • Prepaid cards
  • Credit cards
  • Lines of credit
  • Mortgages
  • Car buying services and loans
  • Merchant services for businesses
Name Product APY ATMs Fee
$0
Get the most out of everything you’ve earned with banking, credit cards, lending and investing strategies designed for you.
16,000 Chase ATMs and nearly 5,000 branches nationwide
$6/month
(can be waived)
Get about four years of interest paid up front! 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.
Access to 16,000 ATMs and nearly 5,000 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 5,000 branches.
16,000 Chase ATMs and nearly 5,000 branches
$15/month
(can be waived)
If you’re new to Chase, get $200 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.
0.01%
Access to 16,000 ATMs and nearly 5,000 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.
0.01%
16,000 Chase ATMs and nearly 5,000 branches in 28 states
$25/month
(can be waived)
Current Sapphire cardmembers can get 60,000 Chase Ultimate Rewards bonus points when you join Sapphire Banking by June 15, 2019. 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, and maintain the balance for at least 90 days.

Compare up to 4 providers

Name Product Fee Minimum deposit to open Minimum balance to earn interest Interest rate (APY)
$5 per month
(can be waived)
$0
$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.

Compare up to 4 providers

Name Product 1-year APY 18-month APY 2-year APY 3-year APY 5-year APY
0.02%
0.15% on CDs of $0 to $9,999.99

0.25% on CDs of $10,000 to $99,999.99

0.3% on CDs of $100,000+
1.3% on CDs of $0 to $9,999.99

1.4% on CDs of $10,000 to $99,999.99

1.45% on CDs of $100,000+

Compare up to 4 providers

Chase Banking Chase Banking

$1,250 signup bonus when you join Chase Private Client

Offer valid through June 15, 2019, 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 within 45 days of joining, and maintain the balance for at least 90 days.

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Chase Banking Chase Banking

60,000 Chase Ultimate Rewards bonus points when you open a new account

Offer valid through June 15, 2019, for Chase Sapphire Checking if you're a current Sapphire cardmember and 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 within 45 days, and maintain the balance for at least 90 days.

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Chase Banking Chase Banking

$200 signup bonus when you open a new business account

Offer valid for Chase Total Business Checking if you’re new to Chase and complete qualifying activities.

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Chase Banking Chase Banking

Up to $625 signup bonus + 100 free trades 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+.

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Chase Banking Chase Banking

$300 signup bonus when you open a new account

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

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Chase Banking Chase Banking

$150 signup bonus when you open a new account

Coupon valid for Chase Savings 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

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Chase Banking Chase Banking

$100 signup bonus when you open a new account

Offer valid for Chase College Checking 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

$200 signup bonus when you open a new account

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

Last verified

Popular Chase Banking coupon codes

Last checked Code description Code
19 Apr 2019 $1,250 signup bonus when you join Chase Private Client ********
19 Apr 2019 60,000 Chase Ultimate Rewards bonus points when you open a new account ********
3 Apr 2019 $200 signup bonus when you open a new business account ********
29 Mar 2019 Up to $625 signup bonus + 100 free trades when you open a new account ********
2 Mar 2019 $300 signup bonus when you open a new account ********

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 $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.

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 $0 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 $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.

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 $25 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 1.45% 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 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.

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, 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.

What do regulators and customers say about Chase?

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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