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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.
Up to 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
Poor
Website / app
Poor
Rates
Poor
Fees
High
Don't care about there customers at some branches
Needed a copy of my statement charged me $6.00 at tge branch on camp wisdom in oak cliff have been doing business for a very long time. It's time to check out another bank and leave this one there customer service there was a joke and WOULD NOT RECOMMEND CHASE TO MY FAMILY OR FRIENDS and I would Tell them If they do business with CHASE IT'S TIME TO MOVE ON TO ANOTHER BANK
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Horrible
I went into a chase bank to deposit $200.00 into my son's account. First they wouldn't let me give them cash??? Are you kidding? This is a freaking bank. 2nd they required my id and of course I didn't have it that day but did have a government id. They wouldn't take it. Remind you I just wanted to deposit $ into my son's account. Not take $ out.. they said the only way was to get a money order. So I went to a near by store and purchased one. No id required!!!! Walked back to the bank and finally was able to put it in the account. They said they do that to stop money laundering in wich I responded so if I want to money launder its best to do it with a money order... the final blow was my son needed the money asap. The money was not available for several hours... this bank is a joke and I will NEVER do business with them and don't recommend this to anyone!!!!
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