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

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

4.5

Customer Score

See all 24 consumer reviews

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 4,700 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

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

See methodology Compare 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.

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

See methodology Compare 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 Total Checking

3.9

/5

See methodology Compare 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, including by setting up electronic deposits of $500 or more per month.
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.

How Chase Bank compares to other banks

Compare different account types offered by Chase Bank. Annual percentage yields (APYs) shown were updated between April 11, 2025 and April 17, 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 April 11, 2025 and April 17, 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.	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.

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 April 11, 2025 and April 17, 2025.
0.01%	3.75%
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 CDs can be opened online. IRA CDs are offered.	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: 3.75% - 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 April 11, 2025 and April 17, 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 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 branches across the U.S. Chase frequently offers sign-up bonuses for some of its accounts.	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 $10 overdraft fee for those not enrolled in Balance Connect.	N/A

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

Find out: Tips to avoid common bank fees

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.

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 insight

“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.

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

Chase Bank has 24 reviews

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

4.5

24 ratings

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.

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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

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

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

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

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

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

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

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

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

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

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

Complaints

We want to know what you think about Chase Bank

Review methodology

Chase Bank customer reviews

Chase Bank has 24 reviews

Community Reviews

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