At a glance

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. You can also easily bank from home, as 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

Highlights:

24/7 Customer Service Digital Leader Large Branch Network

3.6

Bankrate Score

CDs

3.0 /5

Checking

3.9 /5

Savings

2.9 /5

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

More than 5,000 branches and more than 15,000 ATMs.
The bank’s mobile apps are rated highly.
Chase often rewards new customers with bonuses for opening an account.

Cons

Rates on Chase’s savings accounts and standard CDs are very low.
Non-Chase ATM fees range from $3 to $5.
Chase’s basic accounts don’t reimburse out-of-network ATM fees.

Chase Bank banking products

Chase Savings

2.9

/5

See methodology Compare top savings rates

SCORE BREAKDOWN

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

Pros

The monthly fee is waived when customers meet one of several 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 on some accounts.

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.
Chase Premier Savings has a $25 monthly maintenance fee if you don’t qualify to have it waived.

Interest rates for Chase checking accounts — both standard and premier — are well below the national average. Customers should have no problem finding savings accounts that pay a higher yield, especially at online banks.

While the standard savings account doesn’t have a minimum balance requirement, it charges a $5 monthly service fee that customers can take some steps to waive. Maintaining a $300 daily balance or a recurring $25 transfer from your Chase Checking account to your Chase Savings account can be enough to avoid the fee.

Chase CDs

3.0

/5

See methodology Compare top CD rates

SCORE BREAKDOWN

APY offering:

0.01%

1/5

Minimum deposit:

$1,000.00

4/5

Range of term lengths:

1 mo – 5 yrs

5/5

Early withdrawal penalty:

Average

3/5

Offer no-penalty or bump-up CDs:

Yes

5/5

Offer IRA CDs:

Yes

5/5

Pros

Chase offers a wide range of CD terms, and the minimum deposit requirement is manageable.
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 Bank CD term lengths range from one month to 10 years. Each CD requires a $1,000 minimum deposit, though to get the best rate, you may need to deposit $100,000 or more.

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

Chase Total Checking

3.9

/5

See methodology Compare top checking rates

SCORE BREAKDOWN

Monthly service fee:

$12.00

5/5

Minimum balance to avoid fee:

$1,500.00

2/5

Minimum deposit:

$25.00

5/5

Fee to use out-of-network ATM:

Average

3/5

Peer-to-peer payments:

Great

5/5

Early direct deposit:

Average

3/5

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:

0.00%

Rating: 0 stars out of 5

0/5

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.

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.
Regularly offers a sign-up bonus for its checking accounts.
Doesn't charge an overdraft fee as long as your account isn’t overdrawn by more than $50.

Cons

Charges a $3 fee for withdrawals from non-Chase ATMs in the U.S.
Still has overdraft fees during a time when some of its competitors have reduced or eliminated these fees.

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

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 and 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 a Non-Chase ATM in the U.S.

How Chase Bank compares to other banks

Compare different account types offered by Chase Bank. Annual percentage yields (APYs) shown were updated between Nov. 27, 2025 and Dec. 3, 2025.

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. 27, 2025 and Dec. 3, 2025.
0.01%	0.01%
Minimum balance for APY
$0.00	$0.00
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 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.	N/A
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.	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.	Bankrate does not currently track additional product details for this bank.	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: 4 stars out of 5 4.0 Bankrate CD rating = 4.0/5 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. 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. 27, 2025 and Dec. 3, 2025.
0.01%	3.49%
Minimum deposit
$1,000.00	$5,000.00
Term
1 yr	7 mos

Chase has a wide range of terms available. The bank offers a higher relationship rate for those with a Chase personal checking account. 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. There is a wide range of terms offered, making Chase a good option if you want to build a CD ladder.	Wells Fargo offers IRA CDs. CDs can be opened online. The special CDs offer solid yields.	N/A
Standard rates are much lower than the national average. You’ll need an eligible Chase checking account to earn a higher relationship rate. 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: 3.49% - 7 mos 4/5 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: 3.9 stars out of 5 3.9 Bankrate Checking rating = 3.9/5 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. 27, 2025 and Dec. 3, 2025.
0.01%	0.01%
Minimum balance to open
$0.00	$100.00

Chase Total Checking includes features such as access to more than 15,000 ATMs and 5,000 branches. The account has a monthly service fee of $15, which can be waived by meeting certain criteria, such as direct deposits totaling at least $500 each month or maintaining a minimum balance of $1,500. 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 account can be opened with $100 and you’ll get access to about 15,000 ATMs with your debit card. But there’s a high monthly fee of $12 (though there are multiple ways to waive it). Bank of America’s mobile app includes a virtual banking assistant called Erica. Checking customers can use the mobile app's virtual banking assistant, Erica.

Customers have access to more than 15,000 ATMs and 5,000 branches across the U.S. Chase frequently offers sign-up bonuses for some of its accounts.	Reasonable $100 minimum opening deposit. 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.	High monthly maintenance fee of $12, though the bank offers ways to waive it. Costly out-of-network ATM fee of $2.50.	N/A

Bank fees

Fee		Amount
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 in the U.S.; $5 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 5,000 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 2025 U.S. Retail Banking Satisfaction Study. Of note, Chase received the highest satisfaction score in the California and Pennsylvania regions of the country.

Digital experience

Highly rated mobile app. Chase’s mobile app, which has been rated by more than 10 million users across the App Store and Google Play, receives high scores on both platforms. 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.

Video overview: Savings feature on website

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.

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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 Review 2025

The Bankrate promise

At a glance

Overview

Highlights:

Highlights:

Overall

Pros

Cons

Chase Bank banking products

Chase Savings

Pros

Cons

Chase CDs

Pros

Cons

Chase Total Checking

Additional details and scores

Pros

Cons

How Chase Bank compares to other banks

Bank fees

Customer experience

Customer support

Digital experience

Video overview: Savings feature on website

Complaints

Bankrate staff insights

We want to know what you think about Chase Bank

Review methodology

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