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Pros

About 5,200 branches and over 16,000 ATMs.
Strong website, tools and mobile app.
Monthly fee on basic checking account is easy to avoid.

Cons

High monthly fees, low interest rates on premier checking accounts.
$2.50 fee at non-Chase ATMs in U.S., $5 abroad.
0.06% 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.

The bank has a good basic checking account, but its savings rates are generally low, and some of its fees are high and hard to avoid. Chase also offers mortgages, auto loans and one of the broadest selections of credit cards in the industry. And its internet banking game can compete with online-only banks that focus solely on checking and savings.

Ratings methodology | Reviewed June 21, 2016

Checking

4.0

Chase offers several checking options, including its most basic account, Chase Total Checking; student checking; and a couple of interest-bearing accounts. With each, you’ll be able to pay bills online, use mobile banking and receive a debit card with a security-enhancing EMV chip.

Avoiding monthly fees is relatively easy for Chase Total Checking account holders. The $12 monthly fee is waived if you receive $500 per month in direct deposits, keep a $1,500 minimum balance or have a total of $5,000 across certain Chase accounts. It becomes much more difficult if you sign up for either the Premier Plus or Premier Platinum account. You need to keep $15,000 in deposits or have autopay on a Chase mortgage for the former, and $75,000 in Chase deposits on the latter.

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
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
Fair
Website / app
Fair
Rates
Poor
Fees
High
Phantom charges
Closed my account and paid my final bill. Turns out 50 cents of interest accrued between the due date and when I paid. Because I closed my account, I didn't check back in with my account, and within a few short months, my bill was over $100, and wouldn't forgive more than half of that. Bravo, Chase.
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
New Car Dealer
I have a lease thru them. I am a new car dealer. We work with all banks and credit unions. Chase has the very worst customer service and the slowest response time on every task asked of them. However, they are the fastest at wanting their money, title, paperwork etc. If this was a one time thing I would never write a negative review. Had so many issues with them I can not even count the number of times. Most recently they have been refusing to send a title that mistakenly got sent to them with the wrong information on it they have had it more than 45 days.
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