Pros

About 5,100 branches and 16,000 ATMs
Strong website, tools and mobile app
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., $5 fee plus 3% abroad
Up to 0.09% APY on savings accounts; better rates available elsewhere

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 U.S., 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 Oct. 18, 2017

 

Checking

4.0

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

 

It’s relatively easy for Chase Total Checking® account holders to avoid fees. The bank waives the $12 monthly fee for those who receive $500 or more per month in direct deposits, keep a $1,500 minimum balance or have a total of $5,000 or more across certain Chase accounts. Chase Premier Plus Checking℠ or Premier Platinum account holders have a much harder time avoiding fees. Premier Plus users must maintain a $15,000 balance or make automatic payments on a Chase mortgage. Platinum users must maintain a balance of $75,000.

 

On the plus side, Chase offers a $200 bonus on its Total Checking® account. See our list of best bonuses for details.

Chase Total Checking®
$12
Monthly fee
$1,500
Balance to waive monthly fee
Learn moreat Chase
Chase Premier Plus Checking℠
$25
Monthly fee
$15,000
Balance to waive monthly fee
Learn moreat Chase
Chase Savings℠
0.01%
APY
$1
Min. balance for APY
Learn moreat Chase
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Overall
Customer service
Poor
Website / app
Fair
Rates
Poor
Fees
Fair
Changing my bank NOW
This morning my direct deposit did not get credited because somewhere in transit, there was a missing number to bank account number. I have called 3 times, as well as had my branch manager call the claims department to rectify the situation. They have my money and since today is Friday and Monday is a holiday, I won’t receive the deposit until either Tuesday or Wed. I am having to wait 5 days for the bank to credit my account. When I explained the reasons why I needed it today, nobody cared a bit. It was like ‘oh well, sorry!’ I think it’s criminal for a bank to hold anyone’s money for 5 days, especially when it was not the error of the customer. I can’t wait to take my business elsewhere.
Overall
Customer service
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
CHASE IS AN AWESOME BANK
I WAS WITH CHASE FOR YEARS,. I AM VERY POOR, THEY ALWAYS HELPED ME, MANY MANY TIMES THROUGH MY STRUGGLES. THANK YOU CHASE BANK FOR EVERY TIME YOU SWEET LADIES HELPED ME AT CHASE IN PORT RICHEY FLORIDA
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