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Chase Bank Review 2025

Updated April 15, 2025
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At a glance

Best bank for sign-up bonuses

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, except Alaska and Hawaii. 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
3.6
Rating: 3.6 stars out of 5
Bankrate Score

CDs

Rating: 3 stars out of 5
3.0 /5

Checking

Rating: 3.9 stars out of 5
3.9 /5

Savings

Rating: 2.9 stars out of 5
2.9 /5
4.6
Rating: 4.6 stars out of 5
Customer Score
See all 50 consumer reviews Arrow Right Icon
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Bank logo
Member FDIC
Savings Account
4.30
%
APY
As of 5/24/2025
Rating: 5 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: No monthly maintenance fee, $0 to open, easily grow your money
Bank logo
Member FDIC
Savings Account
4.20
%
APY
As of 5/24/2025
Rating: 4.7 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: No fees. Easy deposits and quick withdrawals.
Bank logo
Member FDIC
Savings Account
4.10
%
APY
As of 5/24/2025
Rating: 4.6 stars out of 5
$5,000
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: Get up to a $300 Cash Bonus. See site for details.

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

  • Checkmark Icon

    Chase has more than 4,700 branches and more than 15,000 ATMs.

  • Checkmark Icon

    The bank’s mobile app is consistently high-rated.

  • Checkmark Icon

    Chase often rewards new customers with bonuses for opening an account.

Cons

  • Most 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 Bank banking products

Chase Savings

2.9
/5
Rating: 2.9 stars out of 5
SCORE BREAKDOWN
APY offering:
0.01%
Rating: 1 stars out of 5
1/5
Minimum balance for APY:
$0.00
Rating: 5 stars out of 5
5/5
Monthly service fee:
$5.00
Rating: 5 stars out of 5
5/5
Minimum balance to avoid fee:
$300.00
Rating: 4 stars out of 5
4/5
Access to funds:
Great
Rating: 5 stars out of 5
5/5

Pros

  • Checkmark Icon

    The monthly fee is waived when customers meet one of several manageable requirements.

  • Checkmark Icon

    Chase’s autosave feature can help you create goals and save for them.

Cons

  • The yields on both of Chase’s 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.

Chase CDs

3.0
/5
Rating: 3 stars out of 5
SCORE BREAKDOWN
APY offering:
0.01%
Rating: 1 stars out of 5
1/5
Minimum deposit:
$1,000.00
Rating: 4 stars out of 5
4/5
Range of term lengths:
1 mo – 5 yrs
Rating: 5 stars out of 5
5/5
Early withdrawal penalty:
Average
Rating: 3 stars out of 5
3/5
Offer no-penalty or bump-up CDs:
Yes
Rating: 5 stars out of 5
5/5
Offer IRA CDs:
Yes
Rating: 5 stars out of 5
5/5

Pros

  • Checkmark Icon

    Chase offers a wide range of CD terms, and the minimum deposit requirement is manageable.

  • Checkmark Icon

    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 low.

Chase Total Checking

3.9
/5
Rating: 3.9 stars out of 5
SCORE BREAKDOWN
Monthly service fee:
$12.00
Rating: 5 stars out of 5
5/5
Minimum balance to avoid fee:
$1,500.00
Rating: 2 stars out of 5
2/5
Minimum deposit:
$0.00
Rating: 5 stars out of 5
5/5
Fee to use out-of-network ATM:
Average
Rating: 3 stars out of 5
3/5
Peer-to-peer payments:
Great
Rating: 5 stars out of 5
5/5
Early direct deposit:
Average
Rating: 3 stars out of 5
3/5
  • Overdraft fees:
    Average
    Rating: 3 stars out of 5
    3/5
    NSF fees:
    Great
    Rating: 5 stars out of 5
    5/5
    APY offering:
    0.00%
    Rating: 0 stars out of 5
    0/5
    ATM network:
    Great
    Rating: 5 stars out of 5
    5/5

Pros

  • Checkmark Icon

    There’s no minimum required to open the Total Checking account.

  • Checkmark Icon

    It’s easy to meet the requirements to waive the $12 monthly service fee, including by setting up electronic deposits of $500 or more per month.

  • Checkmark Icon

    Chase regularly offers a sign-up bonus for its checking accounts.

  • Checkmark Icon

    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.

How Chase Bank compares to other banks

Compare different account types offered by Chase Bank. Annual percentage yields (APYs) shown were updated between May 17, 2025 and May 23, 2025.

Selected bank
Chase Bank savings account
Chase Bank Logo
Member FDIC
Bankrate score
Rating: 2.9 stars out of 5
2.9
Most comparable
Wells Fargo savings account
Wells Fargo Logo
Member FDIC
Bankrate score
Rating: 2.9 stars out of 5
2.9
Read review
Search for or select a bank:
Caret Down Icon
Bank of America savings account
Bank of America logo
Member FDIC
Bankrate score
2.7
Read review
APY
0.01% 0.01% 0.01%
Minimum balance for APY
$0.00 $0.00 $0.00
Estimated earnings
$5 $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. Bank of America has very low yields on its Bank of America Advantage Savings account. Its APY is well below the savings national average.
  • Those who already bank with Chase might find it convenient to have a savings account at this bank.
  • Chase has many branches and wide access to ATMs.
  • 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.
  • You only need $100 to open Bank of America’s Advantage Savings account.
  • Bank of America might be a good choice for you if its branches and ATMs are convenient to where you live.
  • The Chase Savings account has a waivable $5 monthly maintenance fee.
  • 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.
  • The account’s yield is very uncompetitive.
  • You’ll need to qualify for the bank’s Platinum Honors Tier to earn its highest yield.
  • And that APY is well below the national average.
APY offering:
0.01%
1/5
Minimum balance for APY:
$0.00
5/5
Monthly service fee:
$5.00
5/5
Minimum balance to avoid fee:
$300.00
4/5
Access to funds:
Great
5/5
APY offering:
0.01%
1/5
Minimum balance for APY:
$0.00
5/5
Monthly service fee:
$5.00
5/5
Minimum balance to avoid fee:
$300.00
4/5
Access to funds:
Great
5/5
Bankrate does not currently track additional product details for this bank.

Bank fees

Fee Charged?
Overdraft fee $34, with a maximum of three fees per day 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 $4.95 - $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

Customer experience

Customer support

Physical presence. Chase offers access to more than 4,700 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.

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 seven 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.

Video overview: Savings feature on website

Thumbnail title card, "Bankrate staff User diary"

All rates, features and offers shown in the media on this review were accurate at the time they were procured, but may have changed since recording. The content may also contain views and opinions that do not reflect those of Bankrate.


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 Commission (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.”

"I opened a Chase checking and savings account in college and still use them a decade later. I love that Chase has physical branches and ATMs nationwide. I trust the brand and rely on Chase as my main bank for direct deposits, making transfers to other banks and investment accounts seamless."

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.

Chase Bank Logo

We want to know what you think about Chase Bank

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

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.

Chase Bank customer reviews

CTA Chase Bank has 50 reviews

Chase Bank has 50 reviews

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

4.6 Star Icon
50 ratings
Score breakdown
5 stars
72%
4 stars
20%
3 stars
6%
2 stars
2%
1 star
0%
Score by category
Overall Rating 4.6 / 5
Competitiveness of APY 3.8 / 5
Amount of fees 4.1 / 5
Customer support 4.5 / 5
Website / Mobile app 4.6 / 5
Verified Badge Icon 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 Icon
Caret Down Icon
Anonymous account holder
March 25, 2025
Always had good luck with the app. Very easy to do all of my banking from the app.
Score by category
Amount of fees 4 / 5
Competitiveness of APY 4 / 5
Customer support 4 / 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
March 25, 2025
It loads very quickly, and I can submit checks digitally via the app with no latency or delays. The customer service is very knowledgeable and can answer my questions quickly.
Score by category
Amount of fees 4 / 5
Competitiveness of APY 4 / 5
Customer support 4 / 5
Website / Mobile app 5 / 5
Accounts held by this user
Certificate of Deposit (CD) Yes
Money Market Account (MMA) Yes
Savings Account Yes
Checking Account Yes
Anonymous account holder
March 25, 2025
I've always had a great experience with Chase. I interacted with their customer service reps extensively when I was transitioning my First Republic brokerage account to Chase, and they were so helpful. They walked me through the whole process on the phone. Their app is also very easy to use, and I do pretty much everything through the app.
Score by category
Amount of fees 4 / 5
Competitiveness of APY 2 / 5
Customer support 5 / 5
Website / Mobile app 5 / 5
Accounts held by this user
Certificate of Deposit (CD) No
Money Market Account (MMA) Yes
Savings Account Yes
Checking Account Yes
Anonymous account holder
March 21, 2025
I absolutely love the mobile app. It's very straightforward and easy to use and makes paying my everyday bills extremely easy.
Score by category
Amount of fees 4 / 5
Competitiveness of APY 4 / 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
Anonymous account holder
March 21, 2025
The website is seamless and easy to navigate. Transferring between accounts is a breeze & any fraudulent transactions are caught quickly.
Score by category
Amount of fees 4 / 5
Competitiveness of APY 3 / 5
Customer support 3 / 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
March 21, 2025
It's very easy to digitally deposit a check.
Score by category
Amount of fees 5 / 5
Competitiveness of APY 1 / 5
Customer support 5 / 5
Website / Mobile app 5 / 5
Accounts held by this user
Certificate of Deposit (CD) No
Money Market Account (MMA) Yes
Savings Account No
Checking Account Yes
Anonymous account holder
February 24, 2025
Chase has great customer support, online website and mobile app. I've never had an issue with Chase.
Score by category
Amount of fees 5 / 5
Competitiveness of APY 3 / 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
February 24, 2025
Chase has a great website that allows me to do all of my banking online. I only visit a brands to use the ATM. There is an extensive branch network in my area so I am never far away from an ATM if I need one.
Score by category
Amount of fees 4 / 5
Competitiveness of APY 3 / 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
February 22, 2025
Has about 12$ in fees, and many other nuisances are occurring frequently which is annoying.
Score by category
Amount of fees 1 / 5
Competitiveness of APY 1 / 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 Yes
Checking Account Yes
Anonymous account holder
February 22, 2025
As banks go, Chase is like most, nothing wrong with it, but nothing excellent. No rewards or perks for multiple accounts, nothing to propagate more use of the bank.
Score by category
Amount of fees 5 / 5
Competitiveness of APY 4 / 5
Customer support 5 / 5
Website / Mobile app 3 / 5
Accounts held by this user
Certificate of Deposit (CD) No
Money Market Account (MMA) No
Savings Account Yes
Checking Account Yes