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. Chase Savings (SM) also come with a monthly service charge, but can be avoided by meeting minimum daily balance requirements. For the basic Chase Savings (SM) 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.

Speaking Of Chase - 1/24/2023

Chase has temporarily suspended all ACH transfers for an indefinite time for all of their customers.

Chase Really High 3-5 Month CD Rates - 1/22/2023

These rates are higher than the average and appear to be nationally available. An existing relationship (checking account) is required; of course Chase always has a good bonus so not an issue. 3-5 month CD, $1-10k 2% APY, $10-100k 3.50% APY, $100k+ 4% APY 12-14 month CD, $1-10k 3% APY, $10-100k 3.25% APY, $100k+ 3.75% APY Other rates are non-competitive: 24-29 month CD and 36-41 month CD, $1k+, 2% APY and the rest below that.

Chase $900 Checking & Savings Bonus - 1/13/2023

Chase is offering a $900 checking & savings bonus combo. Bonus is as follows: -Receive a bonus of $300 when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. -Receive a bonus of $200 when you open a Chase savings account and deposit $15,000 or more in new money within 30 days and maintain a balance of $15,000 for 90 days. -Receive an extra $400 bonus when you complete both of the above bonuses. https://account.chase.com/consumer/banking/QK72296? (Open in incognito mode) Chase Checking and savings can be opened every two years and it's a soft pull. A few different ACH transfers count as direct deposit. YMMV.

View all posts from:

2023
2022
2021
Earlier

1/24 - Speaking Of Chase
1/22 - Chase Really High 3-5 Month CD Rates
1/13 - Chase $900 Checking & Savings Bonus

10/30 - Non-Zero Rates At Chase Bank
10/13 - JP Morgan Chase, OH Via Schwab Brokerage 5 Year Callable CD @ 5%

8/26 - The-Fed-May-Not-Hike-Interest-Rates-Until-2023-Says-Jpmorgan

Reviews (271)

Chase Bank At 49 NY-59, Nyack, NY

Posted by: ikinnmark2 | Jan 3, 2022

Very friendly and very efficient service. Straightforward procedure for getting a credit card.

Comment

Customer Service Issues

Posted by: Elis | Dec 29, 2022

I have been a Chase customer since 2007, but I am having some serious doubts about their contractors for customer service. I have encountered service reps that I could not understand because of rapid heavy accented speech, and questionable English comprehension. I have lost confidence in their ability to provide the best customer support. I am looking to switch to a better bank. Their one bright spot is no checking account fee for maintaining direct deposit balance over many years.

Comment

Hard To Deal With

Posted by: elmocook | Feb 23, 2022

I have a cd from Chase that expires in a few days. It will roll over into another cd. I called them and said I wanted my cd to be transferred to my savings account when it matures. They said I would have to come into the bank and talk to a banker to do this. When I went in they wouldn't talk to me because I needed an appointment. So now I have to make an appointment and come in again for a simple transaction I should be able to do online. I'm going to close my accounts at this bank.

Scam Artists From The Devil Himself

Posted by: MayVell | 10 hours ago

By nature, I'm a bit of a worry wart and double check things so as not to be screwed over, complete with screenshot documentation just in case. These scam artists are good at trying to hurt their customers, then blame the customer.

They try so hard to get you with late fees that if your balance goes below the $3k minimum threshold for your account any day in the month, you're feed. For example: if you go to the store and dip below that $3k minimum by even $0.50, then you get home and transfer $1k to be above that minimum, doesn't matter.
Same goes for savings. You get charged a fee because you went under.

My brother called and explained he'd be low on funds for a while but wanted to keep the account open since they're a "good bank", and sat on $50 in his account while job searching after graduation. They seemed to understand, then hit him with fees until his balance was negative. He was able to dispute and close the account but had to get our family lawyer involved to do so.

God forbid your card gets stolen on vacation like my husband's! They told him that he "probably left it in the car or in a bag." His whole wallet went missing, we even made a police report. Luckily, the bank believed us when the card was flagged for use after we'd left that state and went home.

They'll also lie right to your face. If you go to them and say "here is the promotion I saw for this particular credit card, I prequalify, I'd like it for the sign-up cash bonus," they have never seen the promotion and don't know what your talking about. Even if you show it to them on the front page of their website AND in the pamphlet they fill mailboxes across the US with.

This happened once with opening my checking account, and again at a different location in a different state when getting my credit card.

After fighting to close my checking/savings but keeping my credit card open with them (to not hurt my credit score), I updated my auto pay method. I double checked, with screen shots. A month later, I requested my closed account's statements in print, they agreed. I thought that was painless for once! And a couple days later, my updated payment method reverted back to the old -now closed- account payment method, and my text/email notifications/alerts had been shut off.

My first late payment in my four years of having a credit card with them. I've been disputing it (as I have screenshot evidence) but it's been ongoing. I loathe this entity.

They've come straight out of hell from Satan himself.

And don't bother calling them, you'll get the run-around with a robot for what feels like eternity. If you actually do reach a human, they hardly speak English because they're outsourced to India. Classic.

Comment

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Health

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	628
Year Established	1824
Employees	210348
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	9.54%
Annual Interest Income	$31.49B

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$3,380.8B$3,190.1B
Loans	Q2 2022vs Q2 2021	$1,092.9B$1,030.2B
Deposits	Q2 2022vs Q2 2021	$2,548.7B$2,403B
Equity Capital	Q2 2022vs Q2 2021	$297.2B$288.1B
Loan Loss Allowance	Q2 2022vs Q2 2021	$17.75B$19.49B
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$8.44B$9.82B
Real Estate Owned	Q2 2022vs Q2 2021	$216.0MM$228.0MM

Rates

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Checking
CD

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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
0.02%^†	-	$500k	Chase Premier Savings - Relationship
0.02%^†	-	-	Chase Private Client Savings - Relationship
0.02%^*^†	$1m^*	-	Chase Private Client Savings - Standard
OTHER TIERS: 0.01% → Up to $1m
0.02%^†	-	-	Chase Business Premier Savings - Relationship
0.01%^†	-	$500k	Chase Premier Savings - Standard
0.01%^†	-	-	Chase Savings (SM)
0.01%^†	-	-	Chase Business Premier Savings - Standard
0.01%^†	-	-	Chase Business Total Savings
0.01%^†	-	-	Business Client Funds Savings

Chase Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.38%^*^†	$100k^*	-	Business IOLTA
OTHER TIERS: 2.89% → Up to $100k
0.01%^†	-	-	Chase Premier Plus Checking
0.01%^†	-	-	Chase Sapphire Checking
0.01%^†	-	-	Chase Private Client Checking
0.01%^†	-	-	Chase Analysis Business Checking with Interest
0.01%^†	-	-	Chase Performance Business Checking with Interest

Chase Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*^†	$100k^*	-	3-5 Month CD - Relationship
OTHER TIERS: 2.00% → $1k - $10k \| 3.50% → $10k - $100k
4.00%^*^†	$100k^*	-	Business 3-5 Month CD - Relationship
OTHER TIERS: 2.00% → $1k - $10k \| 3.50% → $10k - $100k
3.75%^*^†	$100k^*	-	12-14 Month CD - Relationship
OTHER TIERS: 3.00% → $1k - $10k \| 3.25% → $10k - $100k
3.75%^*^†	$100k^*	-	Business 12-14 Month CD - Relationship
OTHER TIERS: 3.00% → $1k - $10k \| 3.25% → $10k - $100k
2.00%^†	$1k	-	24-29 Month CD - Relationship
2.00%^†	$1k	-	36-41 Month CD - Relationship
2.00%^†	$1k	-	Business 24-29 Month CD - Relationship
2.00%^†	$1k	-	Business 36-41 Month CD - Relationship
1.50%^†	$1k	-	30-35 Month CD - Relationship
1.50%^†	$1k	-	48-120 Month CD - Relationship
1.50%^†	$1k	-	42-47 Month CD - Relationship
1.50%^†	$1k	-	Business 30-35 Month CD - Relationship
1.50%^†	$1k	-	Business 42-47 Month CD - Relationship
1.50%^†	$1k	-	Business 48-120 Month CD - Relationship
0.05%^*^†	$10k^*	-	6-8 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	9-11 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	21-23 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	15 - 17 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	18-20 Month CD-Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 6-8 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 9-11 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 15 - 17 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 18-20 Month CD-Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 21-23 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	6 Month Ladder CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	9 Month Ladder CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	12 Month Ladder CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 6 Month Ladder CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 9 Month Ladder CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	Business 12 Month Ladder CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.02%^†	$1k	-	1 Month CD - Relationship
0.02%^†	$1k	-	2 Month CD - Relationship
0.02%^†	$1k	-	Business 1 Month CD - Relationship
0.02%^†	$1k	-	1 Month Ladder CD - Relationship
0.02%^†	$1k	-	2 Month Ladder CD - Relationship
0.02%^†	$1k	-	3 Month Ladder CD - Relationship
0.02%^†	$1k	-	4 Month Ladder CD - Relationship
0.02%^†	$1k	-	Business 1 Month Ladder CD - Relationship
0.02%^†	$1k	-	Business 2 Month Ladder CD - Relationship
0.02%^†	$1k	-	Business 3 Month Ladder CD - Relationship
0.02%^†	$1k	-	Business 4 Month Ladder CD - Relationship
0.02%^†	$1k	-	Business 2 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	$100k	24-29 Month CD - Standard
0.01%^†	$1k	$100k	30-35 Month CD - Standard
0.01%^†	$1k	$100k	48-120 Month CD - Standard
0.01%^†	$1k	$100k	21-23 Month CD - Standard
0.01%^†	$1k	-	36-41 Month CD - Standard
0.01%^†	$1k	-	15 - 17 Month CD - Standard
0.01%^†	$1k	-	18-20 Month CD-Standard
0.01%^†	$1k	-	42-47 Month CD - Standard
0.01%^†	$1k	$100k	Business 1 Month CD - Standard
0.01%^†	$1k	$100k	Business 3-5 Month CD - Standard
0.01%^†	$1k	$100k	Business 6-8 Month CD - Standard
0.01%^†	$1k	$100k	Business 9-11 Month CD - Standard
0.01%^†	$1k	$100k	Business 12-14 Month CD - Standard
0.01%^†	$1k	-	Business 15 - 17 Month CD - Standard
0.01%^†	$1k	-	Business 18-20 Month CD-Standard
0.01%^†	$1k	$100k	Business 21-23 Month CD - Standard
0.01%^†	$1k	$100k	Business 24-29 Month CD - Standard
0.01%^†	$1k	$100k	Business 30-35 Month CD - Standard
0.01%^†	$1k	-	Business 36-41 Month CD - Standard
0.01%^†	$1k	-	Business 42-47 Month CD - Standard
0.01%^†	$1k	$100k	Business 48-120 Month CD - Standard
0.01%^†	$1k	-	1 Month Ladder CD - Standard
0.01%^†	$1k	-	2 Month Ladder CD - Standard
0.01%^†	$1k	-	3 Month Ladder CD - Standard
0.01%^†	$1k	-	4 Month Ladder CD - Standard
0.01%^†	$1k	-	6 Month Ladder CD - Standard
0.01%^†	$1k	-	9 Month Ladder CD - Standard
0.01%^†	$1k	-	12 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 1 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 2 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 3 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 4 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 6 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 9 Month Ladder CD - Standard
0.01%^†	$1k	-	Business 12 Month Ladder CD - Standard
0.01%^†	$1k	$100k	Business 2 Month CD - Standard