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 3/15/2019; 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 Dec. 18, 2018

 

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.

 

There are a few ways for Chase Total Checking® account holders to avoid a monthly fee: have monthly direct deposits totaling $500 or more, keep a daily beginning balance of at least $1,500 or keep 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 7/15/19). See our list of best bonuses for details.

Chase 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

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

at Chase,

Member, FDIC

How does Chase compare?

Chase

Chase Savings℠

NerdWallet Rating

at Chase,

Member, FDIC

APY

0.01%

Monthly Fees

$5

Bonus features

2,000+ branches

Live help 24/7

Mobile-friendly

Goldman Sachs Bank USA

Online Savings

NerdWallet Rating

at Goldman Sachs Bank USA,

Member, FDIC

APY

2.25%

Monthly Fees

$0

Bonus features

No Monthly Fee

Competitive APY

American Express National Bank

High Yield Savings Account

NerdWallet Rating

at American Express National Bank,

Member, FDIC

APY

2.10%

Monthly Fees

$0

Bonus features

Competitive APY

Live help 24/7

No Monthly Fee

Not for you? Read more bank reviews
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
Poor
Website / app
Poor
Rates
Poor
Fees
High
The never follow through on committs.
I realized money had take my bank so I physically when to my branch on 4/6 to report this issuse and find out what happened. I had a large I I deposited check 3/39 which was being held until 4/9. I wrote a check for some of the money which tha bank PROMISED me would be honored. IT WAS RETURNED. Then physical when back to bank on 4/15 for a report I need for police the banker say I could not have until later because it was not ready. I go back on 4/19 for the rest of the report since it shoul be closed on 4/6 and I could get rest of my money. RIGHT? NO, I WAS WRONG! The branker calls the claims department and THAT IS WHEN I FIND OUT CHASE NEVER FILLED OUT FIRST CLAIM SO NOW ALL MY MONEY GONE!!!!!! I refilled and talk to supvisor and was told I that they dropped ball on first claim Nd that person would be dealt with lol... so now I have to wait another 10 to 30. It has already been 14 days. The check was for new car and they breathing down my neck for the money. Also I told CHASE NOT MAIL CHECK BUT LET ME GET AT THE BANK SO THEY CAN'T GIVE ANY MORE EXCUSES. THEY REFUSED. my plans are to call every and speak to supvisor telling them what I want. THEN I PLNA TO WRITE TO CHASE CLAIMS REAPEATLY AS WELL AS THE CONTROLS OF BANKS AND ANYONE ELSE I CAN FIND.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
WORST BUSINESS ACCOUNT EVER
Very unhappy with chase rules, let’s say if I have 50,000 in the account, and I deposit one check of 5,000 and they can’t verify it even if I have the funds already in my account, they will freeze the account and if in 10 days they can’t contact the check owner to verify it, the account will be closed, so if there are automatic payments or payroll they don’t care, but the most stupid thing is that to verify a check you can give one of your friends number they will call him and the only thing he has to say is: yes I wrote that check? Then the account is ready to use it. Really? For me doesn’t work like that. I will be closing the account as soon as The checks are cashed.
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