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 1/21/20). 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
0.30%
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
Poor
Website / app
Poor
Rates
Poor
Fees
High
They thought I was stealing my own identity, incompetent
They treat they're all customers like crooks. We put a $3500 check in the bank that My mother gave me the check went through in one day and when I try to use the money to buy gifts online they stop the transaction is on me. When I called them and gave them all the ID they need it they still would not allow Stop to end on the card they told me I have to go for the local bank and show two forms of ID to Use my own money. they treat their customers badly won't be banking here much longer
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Waste of time
They offered me $300 to open checking account. Worst decision I've made in years. Banks do not answer phone calls. No one told me they dont give hard copies of my checking account. Once a month they send a statement but the customer service people dont know cannot see what's on my statement. No hard copies in between statements and statement were continually changed to no hard copies. Not always but mostly CSR were rude and arrogant to me. One guy refused to repeat what I told him so I could be sure he understood my question. When I asked for supervisor he put me back in que so I had to wait another 20 minutes to find I didn't get a supervisor. Very bad experience. Was not worth $300. Had to wait 6 months to get out of there or they would take $300 back. Very bad banking experience. Wish someone had warned me. I think chase credit card for zero interest is good.
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