Chase Bank

Overview / Commentary
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.

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Want A 6% CD From Jpmorgan Chase? You Need To Have $5 Million - 9/28/2023

I guess you might call this a "jumbo jumbo" CD. I think the interest rate is quite low considering the huge principal ask. I'm currently angling for a run-of-the-mill jumbo elsewhere at 7%. Chase has got a nerve paying so little on such a huge amount of money. Regardless, here is a link to the article:

"Fat cats don't chase rats", don't read "rats" but "rates", Chase $200 bonus - 9/27/2023

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8/26/21 - The-Fed-May-Not-Hike-Interest-Rates-Until-2023-Says-Jpmorgan
12/22/20 - BIG, BIG Win For The Big Banks - They Can Resume Buying Back Their Own Stock
11/27/20 - Chase Private Client $2000 Bonus
1/2/20 - Chase Offering $1000 Bonus For Opening/Upgrading To Sapphire Banking With $75K
11/29/18 - $225 Bonus To Open A Savings Account With $15,000 New Money Held For 90 Days
10/19/18 - Chase 5% Cash Back Catagories Oct To Dec
9/13/18 - Chase Expanding It's Footprint Into DC/MD/VA
5/15/17 - Chase Short Term 1.50% -> 3.05% Callable Step-Up CD Via TD Ameritrade
3/20/17 - $300 Bonus - Chase Premier Plus Checking
10/25/16 - $150 Savings Account Bonus & $200 Checking Bonus At Chase
6/7/16 - $300 To Open Chase Total Checking Account, $200 For Chase Savings Account
4/13/15 - Chase New Account Bonus - Upto $450 (Get Coupon From Chase Easily)
12/10/14 - JPMorgan to tweak excess capital in response to Fed's higher requirement: Executive
12/10/14 - Comparison Of Chase’s Basic Checking Account With Online Bank Checking Accounts
6/11/14 - Chase $400 Coupon Combo Code Checking And Savings(Available Freely, Til 7/15/2014)
3/6/14 - Chase Stops Cash Deposits Into Accounts That Aren’t Your Own
2/3/14 - What Is Considered A Direct Deposit ?
1/25/14 - JP Morgan's Dimon gets 74% pay hike despite legal woes
12/23/13 - Stop Payments On Lost Checks
9/24/13 - Chase $200 Coupon Til 10/15/2013
9/15/13 - Difference Between Rates And Apys
9/6/13 - Chase Online Banking Availability Fri 9/6 - Sun 9/8/13
7/15/13 - If You Put $250 In A Chase "Savings Account," You'll Get 12.5 Cents In Yearly Interest -- And Maybe Charged $4 A Month
4/22/13 - Chase Credit Card Payments Down
11/30/12 - Chase Savings Account Fee Charged Incorrectly
9/28/12 - Settlement?
9/26/12 - Chase Saving Account 25K Deposit Offer
8/7/12 - How America's Biggest Bank Makes Money
5/5/12 - Savings Bonus
9/22/11 - Chase Freezes Couple's Account, Screws Up Their Life, With No Explanation
8/24/11 - Chase To Ease Up On Withdrawal Fees On Savings Accounts
8/1/11 - 2.5% For 7-Year Term--BUT Beware The Super-High Early Termination Penalty
7/28/11 - Get $15, $30, Or $60 In Chase Credit Card "Payment Protection" Class Action
7/13/11 - Florida Woman To Her Bank: I'm Not Dead
7/9/11 - Chase Debit Card Rewards Program Will End As Scheduled
7/7/11 - Jailed For Cashing Chase Check At Chase Bank
6/22/10 - $200 Chase Checking Bonus With Direct Deposit
3/15/10 - Get $100 When You Open A Chase Business Checking Account! Use The URL Below To Get A Coupon To Take
2/2/10 - $100 Business Checking Offer From Chase Is Active

Reviews (286)

Best Bank Ever!

Posted by: |

Only great experiences with Chase bank. The branch in San Juan Capo CA is exceptional. All the people there go above and beyond to help! Like everything in life it's about who you know and what kind of relationship you have with them. Having said that we've had Chase cards for decades and the few minor chargebacks over the years have been resolved in our favor. I cannot say enough good things about Chase. Also we got $1200 in bonuses for opening bank accounts with them in 2023!

Chase Is The Greatest Bank Ever

Posted by: |

Ask Chase, they give you a reply. They give you a real answer, not a system answer. Everytime I've had any issues, things were reconciled quickly and perfectly accurate. I have never lost a penny in this bank. I have done alot of business with many banks and by far this is my favorite. Unlike other banks, Chase is completely dedicated to satisfying their smallest to largest customers Equally. If I ask, they answer, if I need, they try until we agree on the steps and I'm satisfied and nobody's tired of being on the phone like other banks. Their customer service reps are smart, polite, they care and they double triple check on every single detail.

Customer Service Issues

Posted by: |

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.

Chase Fairfield, CT

Posted by: |

This review is based on my experience with the Chase branch in Fairfield, CT at 2272 Black Rock Turnpike.

This branch is so inept, disorganized, and careless that I suggest that---if you must use Chase for your banking---you avoid it and use another branch. Based on my experience, which is limited to opening an Estate checking account for about a month, I don't know how they expect to win over clients to peddle investment advice.

In short summary: I opened a checking account for the estate of my deceased mother after years of having multiple accounts at Bank of America. (This was to help make a clear separation of estate funds and personal funds.) BOA has always been an exceptionally good bank to deal with: very professional, careful, and accommodating. (I will now close my Chase account and transfer it to BOA.)

My chief complaints are these: Chase held all of my deposits for eight business days, even after promising to make them available in three. This created enormous difficulties for managing my mother's estate and dealing with her debtors. If you can't rely on a bank's stated guarantees, what good is it?

I think that the blame likely rests with the branch manager, Geoff Permison VP. (When I had trouble clearing a deposit which was guaranteed the day before, he told me that his VP title is "meaningless at Chase" and that he had little authority to do much of anything.)

Overall, my experience with Chase over the years was good. I don't know if this incompetence is now endemic to Chase overall, or if it's limited to this branch. I suspect that it's the latter.

Caveat emptor.



Health Grade Components

FDIC Certificate #628
Year Established1824
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD15.51%
Annual Interest Income$41.93B
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3,503.4B$3,268B
LoansQ1 2024vs Q1 2023$1,296.9B$1,118.6B
DepositsQ1 2024vs Q1 2023$2,525.9B$2,472.9B
Equity CapitalQ1 2024vs Q1 2023$305B$309B
Loan Loss AllowanceQ1 2024vs Q1 2023$22.27B$20.02B
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$10.08B$8.48B
Real Estate OwnedQ1 2024vs Q1 2023$259MM$206MM
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* 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

0.02%$0$500kChase Premier Savings - Relationship
0.02%$0-Chase Private Client Savings - Relationship
0.02%*$1m*-Chase Private Client Savings - Standard
OTHER TIERS: 0.01% $0 - $1m
0.02%$0-Chase Business Premier Savings - Relationship
0.01%$0$500kChase Premier Savings - Standard
0.01%$0-Chase Savings (SM)
0.01%$0-Chase Business Premier Savings - Standard
0.01%$0-Chase Business Total Savings
0.01%$0-Business Client Funds Savings

Chase Bank Checking Account Rates

3.64%$0-Business IOLTA
0.01%$0-Chase Premier Plus Checking
0.01%$0-Chase Sapphire Checking
0.01%$0-Chase Private Client Checking
0.01%$0-Chase Analysis Business Checking with Interest
0.01%$0-Chase Performance Business Checking with Interest

Chase Bank CD Rates

4.75%*$100k*-2 Month CD - Relationship
OTHER TIERS: 4.25% $1k - $100k
4.75%*$100k*-9-11 Month CD - Relationship
OTHER TIERS: 4.25% $1k - $100k
4.75%*$100k*-Business 9-11 Month CD - Relationship
OTHER TIERS: 4.25% $1k - $100k
4.75%*$100k*-Business 2 Month CD - Relationship
OTHER TIERS: 4.25% $1k - $100k
3.00%$1k-6-8 Month CD - Relationship
3.00%$1k-Business 6-8 Month CD - Relationship
2.50%$1k-24-29 Month CD - Relationship
2.50%$1k-30-35 Month CD - Relationship
2.50%$1k-48-120 Month CD - Relationship
2.50%$1k-21-23 Month CD - Relationship
2.50%$1k-36-41 Month CD - Relationship
2.50%$1k-15 - 17 Month CD - Relationship
2.50%$1k-18-20 Month CD-Relationship
2.50%$1k-42-47 Month CD - Relationship
2.50%$1k-Business 15 - 17 Month CD - Relationship
2.50%$1k-Business 18-20 Month CD-Relationship
2.50%$1k-Business 21-23 Month CD - Relationship
2.50%$1k-Business 24-29 Month CD - Relationship
2.50%$1k-Business 30-35 Month CD - Relationship
2.50%$1k-Business 36-41 Month CD - Relationship
2.50%$1k-Business 42-47 Month CD - Relationship
2.50%$1k-Business 48-120 Month CD - Relationship
2.00%$1k-3-5 Month CD - Relationship
2.00%$1k-12-14 Month CD - Relationship
2.00%$1k-Business 3-5 Month CD - Relationship
2.00%$1k-Business 12-14 Month CD - Relationship
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-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
0.01%$1k$100k1 Month CD - Standard
0.01%$1k$100k2 Month CD - Standard
0.01%$1k$100k3-5 Month CD - Standard
0.01%$1k$100k6-8 Month CD - Standard
0.01%$1k$100k9-11 Month CD - Standard
0.01%$1k$100k12-14 Month CD - Standard
0.01%$1k$100k24-29 Month CD - Standard
0.01%$1k$100k30-35 Month CD - Standard
0.01%$1k$100k48-120 Month CD - Standard
0.01%$1k$100k21-23 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$100kBusiness 1 Month CD - Standard
0.01%$1k$100kBusiness 3-5 Month CD - Standard
0.01%$1k$100kBusiness 6-8 Month CD - Standard
0.01%$1k$100kBusiness 9-11 Month CD - Standard
0.01%$1k$100kBusiness 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$100kBusiness 21-23 Month CD - Standard
0.01%$1k$100kBusiness 24-29 Month CD - Standard
0.01%$1k$100kBusiness 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$100kBusiness 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$100kBusiness 2 Month CD - Standard


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