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Pros

About 5,200 branches and 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 fee plus 3% abroad
Up to 0.08% APY on savings accounts; better rates available elsewhere

Overall

4.0
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 June 13, 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.

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
Excellent
Website / app
Excellent
Rates
Excellent
Fees
Low
excellent service
Had an auto loan through chase. they were always very easy to deal with and never any run around. when i decided to pay off the loan early they promptly sent all the payoff information.
Overall
Customer service
Poor
Website / app
Fair
Rates
Poor
Fees
High
Get my back?
I made a $900 error on a check I wrote. Call Chase, the phone banker creditrd me my $900 because I was "the best part the Chase" and since I've been a customer for over 25 years, bot today 2 weeks later they took it back with no notice. I understand if my claim fell through and they want their money bqck, I'm the one who made the errer technology it is their money but I've had the same noble number for over 10 years couldn't have someone called me or emailed me and said hey you might want to put money in your account so your not in the red tomorrow and we charge you a $34 fee that we refuse to credit you Guess they don't have my back lesson learned
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