Chase Bank

Overview / Commentary

www.chase.com

877-682-4273

1111 Polaris Parkway
Columbus, OH 43240

Chase Bank is one of the largest banks in the United States as measured by total assets. It offers personal, business, and commercial banking products and services on both the depository and lending side. Chase has made strides to become an industry leader in customer service, with hundreds of thousands employees all over the world.

Chase Bank’s checking account offerings all have monthly service charges that can be waived if certain requirements are met. One checking account offers a certain number of non-Chase ATM transaction fee refunds. Savings accounts also come with a monthly service charge, but can be avoided by meeting minimum daily balance requirements. For the basic savings account, consumers under the age of 18 automatically avoid the monthly service charge. The bank also offers certificates of deposit (CDs) that reward higher account balances with higher interest rates. CDs can be opened online and range in term lengths from 1 to 120 months. Chase offers business and commercial banking solutions, as well as an array of credit cards.

Chase Bank online banking provides customers with free account management functions like online bill pay, paperless statements, mobile deposit, and fund transfers. Chase’s mobile banking apps are highly rated and offer a sophisticated platform from which customers can accomplish account management tasks easily on the go. Each app is specifically designed for different operating systems like iPhone, Android, and Windows, as well as tablet devices. Chase’s website is easy to maneuver and provides comprehensive information about bank and account information.

Chase Bank was originally established in 1982 as The Chase Manhattan Bank (USA). In 1996 it changed its organization type with the FDIC to a credit card bank, and in 2000 acquired JPMorgan, a financial services company. A year later the bank moved its headquarters to Newark, Delaware, where they remain today. In 2005, the bank changed its name to Chase Bank USA, and four years later acquired Bear Stearns and Washington Mutual.

$225 Bonus To Open A Savings Account With $15,000 New Money Held For 90 Days - 11/29/2018

Not sure if this offer is limited to existing Chase customers. "Enjoy $225 when you open a Chase Savings account, deposit $15,000 or more in new money within 20 business days and maintain a $15,000 balance for 90 days." Account must be opened by January 17, 2019 "Your $225 bonus will appear in your account within 10 business days after completing qualifying activities." The annualized return for your $15k is about 6.08% assuming the savings account interest rate is almost nil.

Chase 5% Cash Back Catagories Oct To Dec - 10/19/2018

I was just told by a CSR that 5% cash back cannot be earned using only your, in your hand, hard plastic Chase Freedom credit card. All purchasing ( and payments?? ) must be using Chase Pay on your cell phone of which I have none. Does this mean the actual card is now useless for earning 5% cash back? It makes it Useless to me and will have to depend on DISCOVER Anyone have any way of using the card as has been traditionally used for 5%

Chase Expanding It's Footprint Into DC/MD/VA - 9/13/2018

Chase Bank is going to open 5 branches in Washington DC and 1 in Arlington, VA. within the next few months. Effective immediately, residents of the Washington DC metropolitan area can now open deposit accounts with Chase and take advantage of its many promotional offers.

View all posts from:

2018
2017
2016
Earlier

11/29 - $225 Bonus To Open A Savings Account With $15,000 New Money Held For 90 Days
10/19 - Chase 5% Cash Back Catagories Oct To Dec
9/13 - Chase Expanding It's Footprint Into DC/MD/VA

5/15 - Chase Short Term 1.50% -> 3.05% Callable Step-Up CD Via TD Ameritrade
3/20 - $300 Bonus - Chase Premier Plus Checking

10/25 - $150 Savings Account Bonus & $200 Checking Bonus At Chase
7/1 - Chase’s New Overdraft Policy - Potential Gotchas for Customers
6/7 - $300 To Open Chase Total Checking Account, $200 For Chase Savings Account

Reviews (213)

Chase Closed My Checking And Savings Accounts And Sent Me A Check In The Mail, Without My Knowledge.

Posted by: tktenor | Oct 20, 2011

I had a checking and savings account with Chase for one month. While I was out of town, Chase closed both accounts and sent me a check in the mail, with no explanation. I have three credit cards and a mortgage with Chase, so when I investigated this major error, I was told that they could not verify my address. They said that they needed a copy of a utility bill with my name on it. Well, all of our utility accounts have my husband's name on them, so I did not have one. When asked why they could not verify my address from my mortgage, they said that they still needed a utility bill.

Well, when I got back into town, I went to the branch and they apologized profusely and were extremely conciliatory. They did their best to remedy the situation, but the meantime, in order to have "free" checking, I had to jump through hoops and transfer money in, etc. So I did.

Now that everything has settled down, I am closing my checking and savings accounts with them; not only for spite, but also on principle (like my checking and savings account balances really matter).

Banking with chase for over 20 years

Posted by: ColumnPhiaMedium | Apr 21, 2018

Chase over all is one of the worst customer experiences I have. Due to my balances being a certain amount, they are always
having personal bankers call me, to try and sell me bad investments to they can get some commission. I frequently visit
3 possible banks, all of which have employees that know me for years. One time they had some new person hijack me inline
and try to get me to take a home equity line. I have my house paid off and enough in my accounts to cover any emergency.
And then the guy insults my intelligence by implying I am foolish for not taking out a loan. Now they are requiring me to show
and ID when I make a cash deposit, and writing down my license number. Lastly they are consistently the worse for interest rates on CDs.

Decent National Bank but Horrible Customer Service

Posted by: nakishawolf | Mar 15, 2017

I have been banking with Chase Bank for the past 6 years. I was originally requested to open and savings and checking about by a chase mailer that offered me $100 reward. The $100 was for opening a savings account that held at least $500, and a checking account that had direct deposit set up for 3 consecutive months. The requirements seemed doable so I opened the accounts and was happy with my banking experience at first. About a year later I received another promotional flyer that offered $500 on a 1 year $10,000 CD. I thought this return was too good to be true so I took the flyer into my nearest branch location and they confirmed the promotion. That same day I deposited $10,000 and took out a 1 year CD with Chase. After the year was complete and the CD period ended, the $500 promotion was deposited into my account and I decided I could get a better return on the initial $10,000 at another bank. So I went into the branch location to withdraw the money and it was nearly impossible. I understand they need to take safety precautions, but they asked me repeatedly if I was in trouble, if someone was forcing me to withdraw this money, and then refused to give me my money. At that point I was pretty upset, I didn't feel it was right for the bank to hold my money hostage. They called the branch manager in and she took me into a back room and made me explain in detail why I wanted to withdraw my money. She then made me sign extra paperwork confirming I was withdrawing the money. At this point the bank had made me feel like I was a criminal just because I wanted to withdraw my own money from their bank. From that day forward I have not opened any other CDs with Chase, nor do I keep large amounts of money in either of my savings or checking accounts. I don't trust them anymore.

Comment

Poor Customer Service - Beware Of Holds

Posted by: brucedenver | Apr 17, 2019

I'm a relatively new customer with approx $30,000 in our checking and savings accounts and direct deposites over $12k per month.

They have put 3 day holds on paychecks and 9 day holds for state tax refund checks of about $1,000. The cash in our account was well over 10 times or more than the amounts of the checks.

This was not explained and they do not discuss it. Bank manager does not call back and tellers say I need to live with it.

Our checks they they ordered have been missing for 4 weeks and they will not do anything about it.

Every time we use the mobile app, it removes our password from the system and we need to recreate a new password.

It is difficult to understand this level of service and arrogance in any consumer business.

Comment

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Health

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	628
Year Established	1824
Employees	194680
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	12.05%
Annual Interest Income	$57.90B

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$2,219B$2,140.8B
Loans	Q4 2018vs Q4 2017	$874.5B$817.8B
Deposits	Q4 2018vs Q4 2017	$1,558B$1,534.9B
Equity Capital	Q4 2018vs Q4 2017	$214.2B$211.7B
Loan Loss Allowance	Q4 2018vs Q4 2017	$9.88B$10.08B
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$6.72B$8.29B
Real Estate Owned	Q4 2018vs Q4 2017	$342.0MM$402.0MM

Rates

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Savings
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Chase Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Chase Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*^†	$250k^*	-	Chase Premier Savings - Relationship
OTHER TIERS: 0.10% → Up to $50k \| 0.20% → $50k - $100k \| 0.30% → $100k - $250k
0.05%^†	-	-	Chase Premier Savings - Standard
0.01%^†	-	-	Chase Savings

Chase Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.01%^†	-	-	Chase Premier Platinum Checking
0.01%^†	-	-	Chase Premier Plus Checking
0.01%^†	-	-	Chase Sapphire Checking

Chase Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*^†	$100k^*	-	21-23 Month CD - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.75% → $10k - $100k
2.00%^*^†	$100k^*	-	9-11 Month CD - Relationship
OTHER TIERS: 0.90% → $1k - $10k \| 1.50% → $10k - $100k
1.75%^*^†	$100k^*	-	120 Month CD-Relationship
OTHER TIERS: 1.60% → $1k - $10k \| 1.70% → $10k - $100k
1.55%^*^†	$100k^*	-	48-59 Month CD - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $100k
1.55%^*^†	$100k^*	-	60-83 Month CD - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $100k
1.55%^*^†	$100k^*	-	84-119 Month CD - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $100k
1.45%^*^†	$100k^*	-	36-41 Month CD - Relationship
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $100k
1.45%^*^†	$100k^*	-	42-47 Month CD - Relationship
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $100k
1.25%^*^†	$10k^*	-	24-29 Month CD - Relationship
OTHER TIERS: 1.15% → $1k - $10k
1.25%^*^†	$10k^*	-	30-35 Month CD - Relationship
OTHER TIERS: 1.15% → $1k - $10k
0.70%^†	$1k	-	120 Month CD-Standard
0.50%^†	$1k	$100k	48-59 Month CD - Standard
0.50%^†	$1k	$100k	60-83 Month CD - Standard
0.50%^†	$1k	$100k	84-119 Month CD - Standard
0.50%^†	$1k	$100k	21-23 Month CD - Standard
0.45%^†	$1k	-	36-41 Month CD - Standard
0.45%^†	$1k	-	42-47 Month CD - Standard
0.30%^†	$1k	$100k	24-29 Month CD - Standard
0.30%^†	$1k	$100k	30-35 Month CD - Standard
0.30%^*^†	$100k^*	-	18-20 Month CD-Relationship
OTHER TIERS: 0.15% → $1k - $10k \| 0.25% → $10k - $100k
0.20%^*^†	$100k^*	-	15 - 17 Month CD - Relationship
OTHER TIERS: 0.05% → $1k - $10k \| 0.15% → $10k - $100k
0.05%^*^†	$100k^*	-	12-14 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $100k
0.05%^†	$1k	-	18-20 Month CD-Standard
0.02%^†	$1k	-	1 Month CD - Relationship
0.02%^†	$1k	-	2 Month CD - Relationship
0.02%^†	$1k	-	3-5 Month CD - Relationship
0.02%^†	$1k	-	6-8 Month CD - Relationship
0.01%^†	$1k	$100k	1 Month CD - Standard
0.01%^†	$1k	$100k	2 Month CD - Standard
0.01%^†	$1k	$100k	3-5 Month CD - Standard
0.01%^†	$1k	$100k	6-8 Month CD - Standard
0.01%^†	$1k	$100k	9-11 Month CD - Standard
0.01%^†	$1k	$100k	12-14 Month CD - Standard
0.01%^†	$1k	-	15 - 17 Month CD - Standard

Chase Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*^†	$100k^*	-	21-23 Month IRA - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.75% → $10k - $100k
2.00%^*^†	$100k^*	-	9-11 Month IRA - Relationship
OTHER TIERS: 0.90% → $1k - $10k \| 1.50% → $10k - $100k
1.75%^*^†	$100k^*	-	120 Month IRA-Relationship
OTHER TIERS: 1.60% → $1k - $10k \| 1.70% → $10k - $100k
1.55%^*^†	$100k^*	-	48-59 Month IRA - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $100k
1.55%^*^†	$100k^*	-	60-83 Month IRA - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $100k
1.55%^*^†	$100k^*	-	84-119 Month IRA - Relationship
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $100k
1.45%^*^†	$100k^*	-	36-41 Month IRA - Relationship
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $100k
1.45%^*^†	$100k^*	-	42-47 Month IRA - Relationship
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $100k
1.25%^*^†	$10k^*	-	24-29 Month IRA - Relationship
OTHER TIERS: 1.15% → $1k - $10k
1.25%^*^†	$10k^*	-	30-35 Month IRA - Relationship
OTHER TIERS: 1.15% → $1k - $10k
0.70%^†	$1k	-	120 Month IRA-Standard
0.50%^†	$1k	$100k	48-59 Month IRA - Standard
0.50%^†	$1k	$100k	60-83 Month IRA - Standard
0.50%^†	$1k	$100k	84-119 Month IRA - Standard
0.50%^†	$1k	$100k	21-23 Month IRA - Standard
0.45%^†	$1k	-	36-41 Month IRA - Standard
0.45%^†	$1k	-	42 - 47 Month IRA - Standard
0.30%^†	$1k	$100k	24-29 Month IRA - Standard
0.30%^†	$1k	$100k	30-35 Month IRA - Standard
0.30%^*^†	$100k^*	-	18-20 Month IRA-Relationship
OTHER TIERS: 0.15% → $1k - $10k \| 0.25% → $10k - $100k
0.20%^*^†	$100k^*	-	15 - 17 Month IRA - Relationship
OTHER TIERS: 0.05% → $1k - $10k \| 0.15% → $10k - $100k
0.05%^*^†	$100k^*	-	12-14 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $100k
0.05%^†	$1k	-	18-20 Month IRA-Standard
0.02%^†	$1k	-	1 Month IRA - Relationship
0.02%^†	$1k	-	2 Month IRA - Relationship
0.02%^†	$1k	-	3-5 Month IRA - Relationship
0.02%^†	$1k	-	6-8 Month IRA - Relationship
0.01%^†	$1k	$100k	1 Month IRA - Standard
0.01%^†	$1k	$100k	2 Month IRA - Standard
0.01%^†	$1k	$100k	3-5 Month IRA - Standard
0.01%^†	$1k	$100k	6-8 Month IRA - Standard
0.01%^†	$1k	$100k	9-11 Month IRA - Standard
0.01%^†	$1k	$100k	12-14 Month IRA - Standard
0.01%^†	$1k	-	15 - 17 Month IRA - Standard

Locations

Availability

Columbus Area

Columbus Area bank & credit union details

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