Chase Bank Review: All-In-One Bank With Big Branch Network
Review
Updated
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2025 Award Winner
Chase has one of the largest branch networks in the nation. But it doesn't neglect the online experience. It offers simple online and mobile tools to manage your funds. If you have one account with Chase, there's a good reason to open one or two more. The reason is the bank's strong relationship benefits. What's more, the bank's customer service shines.
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Chase Bank may be the right option for you if:
KEEP READING: How to Open a Chase Bank Account
Chase Bank charges monthly $5 to $25 service fees for many of its checking and savings accounts. You can get these fees waived a few ways, such as by making direct deposits. Or you can link your account to other qualified Chase accounts. You may find it easy to waive monthly fees. But many other banks don't charge any monthly fees at all.
Chase Bank offers numerous checking accounts, including the following options:
The Chase Total Checking® account is Chase's most popular option. It has a modest, waivable monthly fee and it offers access to the banking services most people need. These include ATM access and check-writing privileges. But it's missing some of the flashier perks, like ATM fee reimbursements, that you find with some of Chase's other checking accounts.
On Chase's Secure Website.
Member FDIC.
Chase Total Checking®
On Chase's Secure Website.
Chase Total Checking® combines tons of features with superior customer service. It's a safe place to put your money. You can walk into any of thousands of branches and withdraw cash from more than 15,000 ATMs in Chase's network. You can access everything online, too. It's one of the best checking accounts for in-person and over-the-phone customer service.
*With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
**Monthly service fee is $12, or $0 with one of the following, each monthly statement period:
The Chase Premier Plus Checking℠ provides four free out-of-network ATM withdrawals per statement cycle. Chase Premier Plus Checking℠ customers can also open additional linked Chase checking accounts with no monthly fee. If you use checks, you'll enjoy waived fees on select check designs. You'll earn interest on your Chase Premier Plus Checking℠ account funds too. Interest-bearing checking accounts are less common (and they're even more unusual for brick-and-mortar banks). Although the rate isn't high, this is still a plus.
The Chase Sapphire℠ Checking account expands on the benefits of the Chase Premier Plus Checking℠ account. This account offers no ATM fees worldwide, the opportunity to earn interest at Premier relationship rates, and up to nine fee-free linked Chase checking accounts. Chase Sapphire customers can also call a dedicated 24/7 support line if they experience any issues. But unless you have at least $75,000 in your Chase bank accounts, you'll pay a high monthly fee.
The Chase Secure Banking℠ account is a bare-bones checking account with a low monthly fee, but there's no way to waive it. The account is also missing some common features, like check writing and overdraft options, that you see with most other checking accounts. For that reason, it probably won't appeal to customers as much as Chase's other options.
The Chase First Banking℠ account is designed for children age 6 and older. To sign up your child, you must have an eligible checking account with Chase to link to your child's account. Once your account is set up, you can transfer funds to your child's account and monitor their spending. The Chase First Banking℠ account also includes a debit card for your child to use and built-in savings tools to help them learn about money management.
The Chase Bank High School Checking℠ account is designed for children ages 13 to 17. Like the First Banking℠ account, there's no monthly fee, but you must link the account to a qualifying Chase checking account.
The Chase College Checking account is designed for college students aged 17 to 24. It has no monthly fee while you're enrolled in school (for up to five years, until the graduation date you specify at account opening) with a waivable fee for those who are no longer attending college. It's similar to the Chase Bank High School Checking℠ account, but doesn't require a linked parent account to open.
A Chase Private Client account is intended for those who keep large sums in their bank accounts. It has no ATM fees or overdraft fees (for the first four overdrafts during the current and previous 12-month statement periods). Plus, you can earn interest on your balance. However, you can only open one of these accounts at a branch and you need a large daily balance to avoid its monthly maintenance fee.
The Chase Business Complete Checking account is a great option for small businesses that don't deal a lot in cash. As long as you can fulfill one of the criteria necessary to waive its monthly fee, you'll likely find this account to be more affordable than many of its competitors.
Chase gives its customers a choice between two savings accounts: the Chase Savings℠ account and the Chase Premier Savings℠ account.
The Chase Savings℠ account charges a low monthly fee. However, customers can easily waive this fee and enjoy the account's perks for free. Managing your account is pretty simple -- Chase offers a variety of online and mobile tools. One helpful tool is an automatic savings feature. With it, Chase customers can save money painlessly and track their progress.
The bank also offers physical locations for customers who prefer banking the old-fashioned way. In fact, it maintains one of the largest branch networks in the nation: over 4,700 branches and 15,000 ATMs nationwide. Unfortunately, like most brick-and-mortar banks, the Chase Savings℠ account carries unimpressive interest rates.
On Chase's Secure Website.
Member FDIC.
Chase Savings℠
The Chase Savings account doesn't offer a high APY, but it remains a popular pick because of the bank's impressive customer service and huge branch network. Those who prefer personalized, in-person support will find Chase difficult to beat.
The Chase Premier Savings℠ account is a better fit for people who keep significant funds in their Chase bank accounts. This account rewards faithful customers for their loyalty. In addition to all the benefits of the Chase Savings℠ account, you'll have the opportunity to earn Premier relationship rates.
These superior rates vary according to the amount of money you keep in the account, and they still aren't close to what you'd find with the best high-yield savings accounts. Nevertheless, they're better than those of your average brick-and-mortar bank. If you choose this account, make sure you're able to waive the monthly maintenance fee. Paying the fee could mean losing what you're earning in interest (and then some).
Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.
| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
up to 3.80%²
Rate info
You can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.
Min. to earn: $0
|
New customers can earn up to a $300 bonus with qualifying direct deposits!¹
|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for CIT Platinum Savings
On CIT's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
4.10% APY for balances of $5,000 or more
Rate info
4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn: $100 to open account, $5,000+ for max APY
|
Earn a bonus of at least $225 after a one-time deposit of $25,000+.
Transfer a one-time deposit of $25,000-$49,999.99 for a bonus of $225. Transfer a one-time deposit of $50,000+ for a bonus of $300. Account must be opened with code PS2025 while this promotion lasts, and funded within 30 days. Bonus will be fulfilled within 60 days from the funding date. There is no period of time where the customer will be required to maintain the funds. Account must be open when bonus is credited. One bonus per account and primary customer. Bonus will be credited into the Platinum Savings Account that fulfills the funding requirement. Funding can be deposited all at once or incrementally.
|
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
Open Account for American Express® High Yield Savings
On American Express's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
3.70%
Rate info
3.70% annual percentage yield as of April 11, 2025. Terms apply.
Min. to earn: $0
|
N/A
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Open Account for American Express® High Yield Savings
On American Express's Secure Website. |
SoFi disclosure:
¹ New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1.
² SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
³ We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
⁴ SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.
Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
⁵ We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.
⁶ Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
⁷ Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with direct deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the“30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.
You can open a Chase Standard CD with as little as $1,000. You'll earn better rates if you're able to stash away larger sums, but they're still low compared to interest rates offered through online banks.
Terms range from one month to 10 years, which is a greater spread than you find with many other banks. Chase is a solid option if you're looking for less common terms for your CD or CD ladder. As with most CDs, you'll pay an early withdrawal penalty if you remove the funds before the CD term is up.
APY = Annual Percentage Yield
Chase offers CDs in an impressive variety of terms, however its standard rates are rock bottom. In order to get the rates showcased here, you must qualify for Chase's CD relationship rates by having a linked personal checking account.
| 3 Mo. APY | 6 Mo. APY | 9 Mo. APY | 1 Yr. APY | 1.5 Yr. APY | 2 Yr. APY | 3 Yr. APY | 4 Yr. APY | 5 Yr. APY |
|---|---|---|---|---|---|---|---|---|
| 2.25% | 1.50% | 2.00% | up to 3.25% | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% |
Chase CDs can't compete with the CD rates offered with online banks, including the handful of top CD picks compared below.
| Bank & CD Offer | APY | Term | Min. Deposit | Next Steps |
|---|---|---|---|---|
Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD
On Discover Bank's Secure Website. |
APY:
4.00%
|
Term:
1 Year
|
Min. Deposit:
$0
|
Open Account for Discover® Bank CD
On Discover Bank's Secure Website. |
|
APY:
4.00%
|
Term:
10 Months
|
Min. Deposit:
$500
|
Open Account for
On Secure Website. |
|
|
APY:
3.75%
|
Term:
6 Months
|
Min. Deposit:
$1
|
Open Account for
On Secure Website. |
Chase boasts strong customer service reviews compared to competitor banks.
Chase Bank has gotten strong customer satisfaction ratings. It got the highest score in J.D. Power's 2021 Retail Banking Satisfaction Study in four regions. And it scored above the average in all the other regions surveyed.
Its online ratings are comparable to other big brick-and-mortar banks -- that is to say, low. In fact, it's rare for any bank to score above a 2 on Trustpilot. Chase Bank is rated A- on the BBB website, which means the bank responds to most customer complaints.
Chase Bank is a brick-and-mortar bank, so you can walk into any branch for assistance. Wait times vary. Yelp reviews indicate you might get help quickly, or you may be directed to wait 20 minutes or more for someone who can help you open an account. Chase ATMs are open 24 hours, so you can always use self-service. You can call human bank reps, though waiting times can be long. The easiest way to contact Chase is through the app. All the numbers are listed in one place. If your needs are simple, like unlocking a card, you can ask the Chase Digital Assistant, a chatbot, for help through the app.
Chase Bank customer service reviews are mixed. The breadth of services and in-person help it offers is wide. It's no surprise that some branches may have better customer service. Recent complaints on Trustpilot include difficulty understanding representatives and slow bank transfers.
You can contact Chase with personal banking questions at 1-800-935-9935. Or you can walk into your local Chase branch for in-person help. Hours vary by location.
The Chase app is fairly simple to use. You get a quick snapshot of all your accounts, and you can tap to dive deeper into each. You can access multiple account types in one place, including banking and credit card accounts. You can access statements and open brand new accounts from within the app. It's bulky but feature-packed.
I haven't had any issues with the Chase mobile app except for slow PDF loading. You may struggle to access documents through the app -- these are better viewed on the website. My favorite part is you can easily check your account benefits and balances.
Chase Bank has over 4,500 branches and 15,000 ATMs. Most ATMs are open 24/7, so you can deposit and withdraw cash at any time.
A promotion can make an already great account look even better. Take a look at the bonuses Chase Bank offers to see if one is right for you.
Chase Bank is one of the most popular banks in the nation. But, it's not a great fit for everyone. Here are a couple other banks that may interest you.
Bank of America is another brick-and-mortar bank popular with older generations. You get in-person access at thousands of branches, though not as many as Chase. But Bank of America offers many perks to loyal customers, including discounts on loans and credit card rewards bonuses. In this regard, it has Chase beat.
RELATED: Bank of America Credit Cards vs. Chase
CIT Bank sacrifices branch access to offer customers great rates and zero account fees. If you're comfortable doing your banking online, and you want a top-tier rate, CIT is the way to go. Both banks are safe places to put your money and are protected by FDIC insurance.
Chase Bank is a safe place to put your money. It's FDIC insured, so your money is protected up to FDIC insurance limits even if something happens to Chase.
Not quite. JPMorgan Chase & Co. is the parent holding company that owns both Chase and JP Morgan. Chase Bank operates branch locations and ATMs under the Chase brand.
Yes, you can make check and cash deposits at most Chase ATMs 24/7.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
