Pros

Nearly 5,000 branches and 16,000 ATMs.
Monthly fee on basic checking account is easy to avoid.
Checking and savings bonus offers.

Cons

High monthly fees, low interest rates on premier checking accounts.
$2.50 fee at non-Chase ATMs in U.S.
0.01% APY on Chase Savings℠ (effective 6/14/2019; rates are variable and subject to change); better rates available elsewhere.

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Overall

3.5
Disclaimer: Any editorial content is not provided or commissioned by Chase Bank USA, N.A. Opinions expressed here are author's alone, not those of Chase Bank USA, N.A, and have not been reviewed, approved or otherwise endorsed by Chase Bank USA, N.A. "Sponsored" above means this site may be compensated through the Chase Bank USA, N.A Affiliate Program.

JPMorgan Chase is one of the largest banks in the country, offering more services than many of its competitors. It provides mortgages, auto loans and one of the broadest selections of credit cards in the industry. And its website experience can compete with those at online-only banks that focus solely on checking and savings.

 

Chase has a good basic checking account, but its savings rates are generally low, and some of its fees are high and hard to avoid.

 

Ratings methodology | Updated July 11, 2019

 

Checking

4.5

Chase offers several checking options, including its most basic account, Chase Total Checking®, and a couple that bear interest. Each gives users access to mobile banking, including online bill pay, and comes with a debit card that has a security-enhancing EMV chip.

 

Chase Total Checking® account holders can avoid a monthly fee by having monthly direct deposits totaling $500 or more, keeping a daily beginning balance of at least $1,500 or keeping an average beginning day balance of $5,000 or more across certain Chase accounts.

 

Chase offers a $200 bonus on its Total Checking® account (expires 10/14/19). See our list of best bonuses for details.

Savings℠
APY
0.01%
Min. balance for APY
$0

at Chase,

Member, FDIC

Certificate of Deposit
APY
0.35%
Min. balance for APY
$1,000
Length of term
5 years

at Chase,

Member, FDIC

Premier Plus Checking℠
APY
0.01%
Monthly fee
$25
Balance to waive monthly fee
$15,000

at Chase,

Member, FDIC

NerdWallet reviews are the result of independent research by our editorial team while accountholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Overall
Customer service
Excellent
Website / app
Excellent
Rates
Poor
Fees
Fair
Open for bonus, may stay for services
I opened checking and savings to earn $600 promotion. I went to nearest location and a banker helped me immediately because there was no one waiting. He was professional, nice, and actually upgraded me to Premier checking because I was a military veteran. Military veterans get extra perks, and less fees; that was an unexpected blessing which may cause me to actually stay if my $600 bonus is honored.
Overall
Customer service
Poor
Website / app
Poor
Rates
Fair
Fees
High
Not impressed
Not sure where else to leave a review for Chase, but this bank is old school and lost my business forever. I didn't receive any payment reminder, and I don't think I can make automated payments, but to charge fees and expect to ever receive my business again is a blind unsustainable way to do business. I've missed maybe a few payments in 4 decades, but if there's no leniency for legitimate customers you lose them because you're business has no benefit to customers. You're boring. Next.
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