At a glance

Best bank for sign-up bonuses

3.6

Bankrate Score

CDs

Checking

Savings

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Overview

Chase is a great option if you like having quick access to branches and ATMs — there’s a banking presence in nearly every state. Chase’s app and website can help you easily send money to anyone, pay your bills, create a budget and more. But if you’re looking for a bank with the highest savings rates, there are better options available.

Highlights

24/7 Customer Service
Digital Leader
Large Branch Network

Overall

With a massive branch network and breadth of product offerings, Chase is often viewed as the country's signature banking institution. Customers can choose from a full range of banking services, including checking and savings accounts as well as certificate of deposit (CD) accounts. But if you’re looking for a bank that pays competitive rates, you’ll want to look elsewhere.

Pros

Chase has more than 4,900 branches and more than 15,000 ATMs.
The bank’s mobile app is consistently high-rated.
Chase often rewards new customers with bonuses for opening an account.

Cons

Rates on Chase’s savings accounts and standard CDs are very low.
The bank charges a $3 fee at out-of-network ATMs in the U.S.
Chase’s basic accounts don’t reimburse out-of-network ATM fees.

We want to know what you think about Chase Bank

Do you have experience with Chase? Let us know your thoughts.

Chase Bank banking products

2.9

/5

See methodology Compare savings rates

SCORE BREAKDOWN

APY offering:

0.01%

1/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

Minimum balance for APY:

$0.00

5/5

The lowest deposit amount an account must have before it can earn interest.

Monthly service fee:

$5.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$300.00

4/5

The lowest balance an account must maintain in order to avoid a fee.

Access to funds:

Great

5/5

A procedure that allows an individual or organization to access and manage the funds of another account holder.

FEATURES

0.01% APY

APY last updated between 11/15 and 11/21.

$0 minimum balance for APY

$0 minimum deposit to open

Chase Bank savings overview

The Chase Savings account interest rate is well below the national average, and all balances receive the same annual percentage yield (APY). Customers should have no problem finding savings accounts that pay a higher yield, especially at online banks.

This account doesn’t have a minimum balance requirement. It charges a $5 monthly service fee, but customers can take some manageable steps to waive the fee, such as maintaining a $300 daily balance. A recurring $25 transfer from your Chase Checking account to your Chase Savings account can also waive that monthly fee.

For customers who have a “premier plus” relationship with the bank, the Chase Premier Savings account pays a slightly higher yield, but it’s also well below the national average. To earn the premier rates, customers must link their accounts to a Chase Premier Plus Checking or Sapphire Checking account and make at least five transactions in a monthly statement period using the linked checking account.

Pros

The monthly fee is waived when customers meet one of a few manageable requirements.
Chase’s autosave feature can help you create goals and save for them.
You can make as many withdrawals as you want without running into a fee (although there may be a daily limit depending on the account).

Cons

The yields on both savings accounts are very low.
Customers must take monthly steps to earn the (still low) premier relationship APY.
The Chase Premier Savings account has a $25 monthly maintenance fee if you don’t qualify to have it waived.

Rate history for Chase Bank's Savings account

See how rates for this account have changed over time. Interact with the trend lines to view APY by date.

Chase Bank

APY

APY last updated between 11/15 and 11/21.

National average APY

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

See how rates for this account have changed over time. Interact with the trend lines to view APY by date.

Chase Bank

APY

APY last updated between 11/15 and 11/21.

National average APY

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

3.0

/5

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

0.01%

1/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$1,000.00

4/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

1 mo – 5 yrs

5/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Average

3/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

Yes

5/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

FEATURES

0.01% APY

APY last updated between 11/15 and 11/21.

$1,000 minimum balance for APY

$1,000 minimum deposit to open

1 month – 5 years

Chase Bank CD overview

Chase Bank CD term lengths range from one month to 10 years. Each CD requires a $1,000 minimum deposit. (Product offerings may vary by location.) Since Chase has so many CD terms, you should be able to get the exact term you want. At some banks, you might have to choose between a three-year CD and a four-year CD if you were looking for a 42-month CD. But you won’t have to do this at Chase.

But you’ll probably find a much more competitive CD APY at an online bank.

Customers who also have a linked Chase personal checking account qualify for a higher relationship rate.

Chase has the following early withdrawal penalties:

CDs with a term less than six months: 90 days of interest*
CDs six months to less than two years: 180 days of interest*
CDs with terms two years or longer: 365 days of interest*

Early withdrawal penalties during the first six days or after an additional principal withdrawal can’t be less than seven days of interest.

*The penalty can’t exceed the total interest you earned during the term.

Pros

Chase offers a wide range of CD terms.
Relationship rates that earn a higher APY are available to those who link a Chase personal checking account.

Cons

Chase’s standard CD rates are very low.
Relationship rates for most terms are above national averages, although more competitive rates can be found elsewhere.
Chase no longer offers new retirement CDs.

Rate history for Chase Bank's CD accounts

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

Chase Bank

APY

APY last updated between 11/15 and 11/21.

National average APY

Term length

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

Chase Bank

APY

APY last updated between 11/15 and 11/21.

National average APY

Term length

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

3.8

/5

See methodology Compare checking rates

SCORE BREAKDOWN

Monthly service fee:

$25.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$15,000.00

1/5

The lowest balance an account must maintain in order to avoid a fee.

Minimum deposit:

$25.00

5/5

The minimum deposit amount a financial institution requires in order to open a checking account.

Fee to use out-of-network ATM:

Average

3/5

A charge incurred when withdrawing funds from an ATM that is not in the bank's network.

Peer-to-peer payments:

Great

5/5

The ability to transfer funds directly between individuals using a digital platform or service.

Early direct deposit:

Average

3/5

The option to receive your paycheck or funds in your account before the official payment date.

Overdraft fees:

Average

Rating: 3 stars out of 5

3/5

Charges applied when a customer spends more money than is available in their account, resulting in a negative balance.

NSF fees:

Great

Rating: 5 stars out of 5

5/5

Non-sufficient funds fees are incurred when a transaction is attempted without enough money in the account to cover it.

APY offering:

0.01%

Rating: 4 stars out of 5

4/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

ATM network:

Great

Rating: 5 stars out of 5

5/5

Accessibility to ATMs for account holders within a specific network or financial institution, facilitating cash withdrawals and transactions.

Chase Bank checking overview

Chase’s Total Checking account doesn’t have a minimum required opening deposit. The account doesn’t pay interest. It also charges a $12 monthly service fee, but there are a few ways to waive it:

Set up direct deposits totaling $500 or more per month.
Maintain an average daily balance of $5,000 in this account and linked qualifying deposits/investment accounts.
Have at least $1,500 in your account at the start of each day.

Chase customers have access to more than 15,000 ATMs. The bank charges a $3 fee for using an out-of-network ATM in the U.S.

Customers can earn interest with the Chase Premier Plus Checking account, though the rate is negligible. With this account, though, customers can waive fees from non-Chase ATMs four times per statement period. Additionally, the bank will waive check fees, among other benefits. The account’s $25 monthly service fee is waived with at least $15,000 in any combination of this account and linked qualifying deposits/investments. A Chase first mortgage linked to the account can also waive the monthly maintenance fee.

Chase regularly offers a bonus to new customers who open a checking account. Be sure to see whether the bank is offering a bonus before you open one.

Pros

There’s no minimum required to open the Total Checking account.
It’s easy to meet the requirements to waive the $12 monthly service fee.
Chase regularly offers a sign-up bonus for its checking accounts.
Chase doesn’t charge an overdraft fee as long as your account isn’t overdrawn by more than $50.

Cons

The bank charges a $3 fee at out-of-network ATMs in the U.S.
Chase still has overdraft fees during a time when some of its competitors have reduced or eliminated these fees.

Compare more: Bankrate's best CD rates

Bank fees

Fee	Charged?
Overdraft fee	$34, with a maximum of three fees per day; no fee for overdrafts totaling $5 or less; no fee for customers with Chase Overdraft Assist who are overdrawn by $50 or less at the end of the business day.
Non-sufficient funds fee	None
Monthly maintenance fee	$5 - $25; $0 if requirements are met
Out-of-network ATM fee	$3 for ATM use in the U.S.; $5 per withdrawal at ATMs outside the U.S.
Excessive transaction fee	None

Find out: Tips to avoid common bank fees

Customer experience

Customer support

Physical presence. Chase offers access to more than 4,900 branches and 15,000 Chase ATMs and has a banking presence in nearly every state.

Customer service. In addition to receiving support over the phone, Chase customers can also send a message in the Secure Message Center when logged onto the website or app. The Chase Digital Assistant, available in the app, is a bot that can answer common questions.

High customer satisfaction. Chase bank consistently received high customer satisfaction scores in JD Power’s 2024 U.S. Retail Banking Satisfaction Study. Of note, Chase received the highest satisfaction score in the South Central region of the country.

Digital experience

Highly rated mobile app. Chase’s mobile app, which has been rated by more than six million users, receives high scores on the Apple App and Google Play stores. The mobile app allows you to send money to anyone, pay your bills and create a budget. And because Chase offers credit cards, too, you’ll be able to find all of your banking products in one place through the app if you have a Chase credit card in addition to other deposit products, such as a checking or savings account.

Complaints

CFPB enforcement action. In 2017, the Consumer Financial Protection Bureau (CFPB) fined Chase Bank $4.6 million for failing to implement the legally required processes for reporting information about consumers’ checking account behavior.

SEC fine. Most recently, in June 2023, the Securities and Exchange Commision (SEC) fined JPMorgan Chase $4 million for deleting 47 million emails from employees within the banking division of the company.

Bankrate staff insights

“I'm not surprised that its app is highly rated by its users,” said a Bankrate staff member who banks at Chase personally. “I like being able to see all of my accounts in one place. Not always, but most of the time wherever I've moved there has been a Chase nearby. That's nice not having to switch banks just because I moved. The mobile deposit and Zelle in the app are easy to use.”

Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.

About Chase Bank

Chase Bank is the consumer banking arm of JPMorgan Chase, one of the largest banking companies in the U.S. Chase offers banking services that include checking and savings accounts, as well as CDs. The bank, which can trace its roots to 1799, has grown through several signature mergers over the years, including one with Bank One Corp. in 2004 and its 2008 acquisition of the deposits and most of the assets of the failed Washington Mutual.

Chase maintains more than 4,900 branches in 49 states. In May 2023, Chase acquired most of First Republic Bank’s operations after the beleaguered regional bank was seized by federal regulators. First Republic’s 84 branches were subsequently converted to Chase branches, with Chase later announcing plans to shutter 21 of those converted branches while overhauling others.

If you like having quick access to branches and ATMs — and you live where the bank operates — Chase is an obvious choice. If you’re hunting for high rates or want to be able to use the first ATM you see without paying a high out-of-network fee, look elsewhere.

Learn more: Chase CD rates

How Chase Bank compares to other banks

Compare different account types offered by Chase Bank. Annual percentage yields (APYs) shown were updated between Nov. 15, 2024 and Nov. 21, 2024.

Selected bank Chase Bank savings account Member FDIC Bankrate score Rating: 2.9 stars out of 5 2.9 Bankrate Savings rating = 2.9/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score.	Most comparable Wells Fargo savings account Member FDIC Bankrate score Rating: 2.9 stars out of 5 2.9 Bankrate Savings rating = 2.9/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Savings rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 15, 2024 and Nov. 21, 2024.
0.01%	0.01%
Minimum balance for APY
$0.00	$25.00
Estimated earnings Interest earned calculation based on a $50,000 deposit amount for a period of 1 year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply.
$5	$5

The Chase Savings account is the bank’s standard savings account. It offers a yield well below the national average for savings accounts. The Chase Savings account has a $5 monthly maintenance fee. Starting every day with at least $300 or automatically transferring at least $25 per month from your Chase checking account to this savings account are two ways to waive the fee.	The Wells Fargo Platinum Savings account has check-writing privileges. That might give you more payment flexibility than with other savings accounts. The bank doesn’t offer a debit card for this account.

Those who already bank with Chase might find it convenient to have a savings account at this bank. Chase’s many branches and ATMs might also make this a good fit for people who live in a Chase market.	You can access your money through an ATM card with this account. The Platinum Savings account offers yields higher than the national average at all tiers.	N/A
The Chase Savings account has a waivable $5 monthly maintenance fee. Many online banks don’t have monthly service fees. The Chase Savings account doesn’t earn a competitive yield.	You’ll need at least $1 million to earn Well Fargo’s top Platinum Savings account yield. But you can get that at other online banks with no minimum balance. There’s a $12 monthly service fee if you don’t keep at least $3,500 in the Platinum Savings account.	N/A

APY offering: 0.01% 1/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. Minimum balance for APY: $0.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $5.00 5/5 A monthly charge a financial institution deducts from an account if certain requirements are not met. Minimum balance to avoid fee: $300.00 4/5 The lowest balance an account must maintain in order to avoid a fee. Access to funds: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder.	APY offering: 0.01% 1/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. Minimum balance for APY: $25.00 5/5 The lowest deposit amount an account must have before it can earn interest. Monthly service fee: $5.00 5/5 A monthly charge a financial institution deducts from an account if certain requirements are not met. Minimum balance to avoid fee: $300.00 4/5 The lowest balance an account must maintain in order to avoid a fee. Access to funds: Great 5/5 A procedure that allows an individual or organization to access and manage the funds of another account holder.	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. The lowest deposit amount an account must have before it can earn interest. A monthly charge a financial institution deducts from an account if certain requirements are not met. The lowest balance an account must maintain in order to avoid a fee. A procedure that allows an individual or organization to access and manage the funds of another account holder. Bankrate does not currently track additional product details for this bank.

Selected bank Chase Bank CD Member FDIC Bankrate score Rating: 3 stars out of 5 3.0 Bankrate CD rating = 3.0/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable Wells Fargo CD Member FDIC Bankrate score Rating: 3.5 stars out of 5 3.5 Bankrate CD rating = 3.5/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 15, 2024 and Nov. 21, 2024.
0.01%	2.75%
Minimum deposit
$1,000.00	$2,500.00
Term
1 yr	1 yr

Chase’s one-year CD pays a competitive yield for its relationship rate CDs. But its standard rates are well below the national average for one-year CDs. You’ll need at least $1,000 to open a Chase CD.	Wells Fargo’s standard CD yields are higher than those from some other big banks, but much higher rates can be found elsewhere. Only three standard CD terms are available in some markets, although rates and terms offered can vary by region.

Chase pays a relationship rate on its one-year CD. While the standard rates are not competitive, the relationship rates are on a few select terms.	Wells Fargo CDs can be opened online. IRA CDs are offered.	N/A
The Chase one-year CD has a yield that’s much lower than the national average. You’ll need an eligible Chase checking account to earn a competitive APY on a Chase one-year CD. You need $1,000 to open a Chase CD, which is more than the minimum at some other banks.	You need at least $2,500 to open a standard CD at Wells Fargo. A limited number of terms are offered in some markets. Significantly higher APYs can be found at other banks.	N/A

APY offering: 0.01% - 1 yr 1/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. Minimum deposit: $1,000.00 4/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 1 mo - 5 yrs 5/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Average 3/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: Yes 5/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY offering: 2.75% - 1 yr 3/5 APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. Minimum deposit: $2,500.00 3/5 The minimum deposit amount a financial institution requires in order to open a CD. Range of term lengths: 3 mos - 5 yrs 5/5 A designated amount of time that funds must be held within a CD. Early withdrawal penalty: Good 4/5 A penalty incurred when funds have been withdrawn from a CD before its maturity date. Offer no-penalty or bump-up CDs: No 0/5 A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. Offer IRA CDs: Yes 5/5 An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.	APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less. The minimum deposit amount a financial institution requires in order to open a CD. A designated amount of time that funds must be held within a CD. A penalty incurred when funds have been withdrawn from a CD before its maturity date. A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date. An IRA account which consists of CDs that typically earns fixed interest over a specified period of time. Bankrate does not currently track additional product details for this bank.

Selected bank Chase Bank checking account Member FDIC Bankrate score Rating: 3.8 stars out of 5 3.8 Bankrate Checking rating = 3.8/5 Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score.	Most comparable Bank of America checking account Member FDIC Bankrate score Rating: 3.8 stars out of 5 3.8 Bankrate Checking rating = 3.8/5 Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Checking rating Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 15, 2024 and Nov. 21, 2024.
0.01%	0.01%
Minimum balance to open
$25.00	$100.00

Chase Total Checking includes features such as access to more than 15,000 ATMs and 4,700 branches across the U.S. The account has a monthly service fee of $12, which can be waived by meeting certain criteria, such as direct deposits totaling at least $500 each month or maintaining a minimum balance. This account offers customers a mobile app for managing finances as well as services like Zelle for money transfers.	Bank of America’s Advantage Plus checking account can be opened with $100. There’s a $12 monthly fee, but there are multiple ways to waive it. Those not enrolled in Balance Connect can be charged an overdraft fee. Bank of America’s mobile app includes a virtual banking assistant called Erica.

Customers have access to more than 15,000 ATMs and 4,700 U.S. branches. Until Oct. 16, new customers can receive a $300 bonus when they open a Chase Total Checking account and make direct deposits of $500 or more within 90 days of enrollment.	Waiving the monthly fee is easy. An overdraft protection option called Balance Connect is available without fees. Customers get access to Bank of America’s mobile app, which comes with a suite of digital tools. Bank of America has about 15,000 ATMs nationwide.	N/A
Customers who don’t meet balance requirements face monthly service fees. The Chase Total Checking account does not earn interest.	There’s a $12 monthly fee. There’s a $10 overdraft fee for those not enrolled in Balance Connect.	N/A

Chase Bank FAQs

Chase Bank may be best for consumers who prefer in-person banking and ATM access, since it offers more than 4,900 branches and 15,000 ATMs nationwide.
Chase Bank is a member of the Federal Deposit Insurance Corp. (FDIC), which insures up to $250,000 per account type, per depositor.
In June 2023, a U.S. judge granted preliminary approval to a $290 million settlement between JPMorgan Chase and women who said they were abused by convicted pedophile Jeffrey Epstein, and that the bank ignored sex trafficking activities of the now-deceased Epstein, who had accounts with the financial services giant. Meanwhile, a $190 million lawsuit was filed in December 2022 against JPMorgan Chase by the U.S. Virgin Islands, where Epstein owned two neighboring islands, seeking damages for his alleged abuse of victims there.

In other news, Chase entered into a resolution with the U.S. Department of Justice in 2020 in which the bank agreed to pay $920 million for manipulating precious metals futures and the U.S. Treasury futures market.

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.

— Staff writer Karen Bennett contributed to an update of this story.

Chase Bank customer reviews

Chase Bank has 24 reviews

Dive into community reviews below and see what others think about Chase Bank.

4.5

24 ratings

Star ranking and total number reflects the lifetime customer reviews received while this bank has been monitored by Bankrate. To help serve you with relevant information, the customer reviews shown below are limited to only those that this bank has received during the past 12 months.

Score breakdown

5 stars

67%

4 stars

17%

3 stars

13%

2 stars

4%

1 star

0%

Score by category

Overall Rating 4.5 / 5

Competitiveness of APY 3.8 / 5

Amount of fees 3.8 / 5

Customer support 4.3 / 5

Website / Mobile app 4.6 / 5

Bankrate methodology disclosure

In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.

Community Reviews

See what users like you are saying about Chase Bank.

Search for reviews containing

Sort by

Anonymous account holder

September 13, 2024

I access my account with my phone. I don't have my account on the website, because I have been hacked twice. Their customer service is great for resolving these issues. There were no fees, the customer service was great, there is some interest earned every month.

Score by category

Amount of fees 4 / 5

Competitiveness of APY 4 / 5

Customer support 5 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

They always work with you to make the most of your money. Accurate, reliable, and innovative.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

I use their credit cards and checking with no issues. Location, easy access, convention hours.

Score by category

Amount of fees 3 / 5

Competitiveness of APY 3 / 5

Customer support 3 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

They are very good at solving any problems that may arise and are very polite, and they care about their customers. Customer service is excellent at Chase. They are very kind, caring and respectful to their customers.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

They are starting to open more in person locations. Sign up bonus Referral bonus.

Score by category

Amount of fees 3 / 5

Competitiveness of APY 3 / 5

Customer support 2 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

Beware of overdraft fees. What influenced my decision to choose Chase were direct deposit, familiarity and close proximity to where I live.

Score by category

Amount of fees 1 / 5

Competitiveness of APY 1 / 5

Customer support 3 / 5

Website / Mobile app 3 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

I've have my account with Chase for many years and I've never had experienced a problem. Their app and website is user friendly. Trust, location, customer service.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) Yes

Money Market Account (MMA) No

Savings Account Yes

Checking Account No

Anonymous account holder

September 13, 2024

They offer good accounts for people starting their financial journey. It had convenient locations and offered me good benefits.

Score by category

Amount of fees 4 / 5

Competitiveness of APY 4 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

It's a great full-service bank. I've been with them for over 26 years.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

Overall my experience is a fairly good one. I wish there was more than two locations in a city of over 400 k people and more ATM’sas well. Incentive to switch Credibility Security.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 4 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Chase Bank Review 2024

The Bankrate promise

At a glance

Overview

Highlights

Overall

Pros

Cons

We want to know what you think about Chase Bank

Chase Bank banking products

Chase Bank savings overview

Pros

Cons

Rate history for Chase Bank's Savings account

Chase Bank CD overview

Pros

Cons

Rate history for Chase Bank's CD accounts

Additional details and scores

Chase Bank checking overview

Pros

Cons

Bank fees

Customer experience

Customer support

Digital experience

Complaints

Bankrate staff insights

About Chase Bank

How Chase Bank compares to other banks

Chase Bank FAQs

Who is Chase Bank best for?

Is Chase Bank safe?

What did Chase Bank get in trouble for?

Review methodology

Chase Bank customer reviews

Chase Bank has 24 reviews

Community Reviews

Up next