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.

The-Fed-May-Not-Hike-Interest-Rates-Until-2023-Says-Jpmorgan - 8/26/2021

I have an investment acct with Ameritrade and own quite a few shares of Chase. This CNBC video was posted on the stock's webpage at the Ameritrade website early this morning. https://www.cnbc.com/video/2021/08/26/the-fed-may-not-hike-interest-rates-until-2023-says-jpmorgan.html#:~:text=The%20Fed%20may%20not%20hike%20interest%20rates%20until,likely%20be%20very%20gradual.%2002%3A53%202%20minutes%20ago

View all posts from:

2021
2020
2018
Earlier

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

12/22 - BIG, BIG Win For The Big Banks - They Can Resume Buying Back Their Own Stock
11/27 - Chase Private Client $2000 Bonus
1/2 - Chase Offering $1000 Bonus For Opening/Upgrading To Sapphire Banking With $75K

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

Reviews (260)

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

Decent Bank, But Not The Best

Posted by: RomanTurck | Oct 11, 2021

Everytime I try to deposit a check, I need to wait a week. Should be instant! Chase doesnt take responsibility for their financial issues.
On the plus side, their app is easy to use and I never had my account locked (even though I've gotten into negative numbers before). Online customer service was also pretty good. Decent bank, but join knowing that their are issues.

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.

Comment

WORST BANK EVER!!!!!!!!!

Posted by: mig222 | Mar 11, 2022

I have banked at Chase for over 10 years, and until the last 6 months never had any problems. Then six months ago the started slapping me with ridiculous holds on my account! They would hold a local check for 11 business days, and money Zelled to me for 7 business days. I kept asking them why? I had never had a check that I deposited returned to me in all the time I had been banking with them.
Their explanation was to protect me from fraud. I just recently found out the truth my local bank manager pulled me aside and told me that since I quickly withdraw the money when it clears my account that is why they have started holding my money and labeling fraud protection. That is the only way they can do it and not run afoul of banking regulations requiring them to clear your funds in a timely manner.
So basically it boils down to they were not making enough money off of me, because I don't keep my money in their bank and let them use it they decided that they were doing to force me to do it! SO IF YOU WANT A BANK THAT WILL HOLD YOUR MONEY FOR THEIR BENIFIT CHASE BANK IS THE BANK FOR YOU!

Comment

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Health

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	628
Year Established	1824
Employees	205472
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.19%
Return on Equity - YTD	13.26%
Annual Interest Income	$54.07B

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$3,307B$3,025.3B
Loans	Q4 2021vs Q4 2020	$1,068.7B$995.4B
Deposits	Q4 2021vs Q4 2020	$2,549.6B$2,253.5B
Equity Capital	Q4 2021vs Q4 2020	$302.8B$270.1B
Loan Loss Allowance	Q4 2021vs Q4 2020	$16.38B$28.32B
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$8.67B$11.82B
Real Estate Owned	Q4 2021vs Q4 2020	$205.0MM$251.0MM

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
0.02%^†	-	$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
0.01%^†	-	$500k	Chase Premier Savings - Standard
0.01%^†	-	-	Chase Savings (SM)

Chase Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.01%^†	-	-	Chase Premier Plus Checking
0.01%^†	-	-	Chase Sapphire Checking
0.01%^†	-	-	Chase Private Client Checking
0.00%^†	-	-	Chase Total Checking®
0.00%^†	-	-	Chase Business Complete Banking

Chase Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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^*	-	12-14 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	24-29 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	30-35 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	48-83Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	84-120 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^*	-	36-41 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^*	-	42-47 Month CD - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.02%^†	$1k	-	1 - 2 Month CD - Relationship
0.02%^†	$1k	-	3-5 Month CD - Relationship
0.01%^†	$1k	$100k	1 - 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	48-83 Month CD - Standard
0.01%^†	$1k	$100k	84-120 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

Chase Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*^†	$10k^*	-	6-8 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	9-11 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	12-14 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	24-29 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	30-35 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	48-83 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	84-120 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	21-23 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	36-41 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	15 - 17 Month IRA - Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$10k^*	-	18-20 Month IRA-Relationship
OTHER TIERS: 0.02% → $1k - $10k
0.05%^*^†	$1k^*	$100k	42-47 Month IRA - Relationship
OTHER TIERS: 0.01% → $100k+
0.02%^†	$1k	-	3-5 Month IRA - Relationship
0.02%^†	$1k	-	42 - 47 Month IRA - Standard
0.02%^†	$1k	-	1 - 2 Month IRA - Relationship
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	$100k	24-29 Month IRA - Standard
0.01%^†	$1k	$100k	30-35 Month IRA - Standard
0.01%^†	$1k	$100k	48-83 Month IRA - Standard
0.01%^†	$1k	$100k	84-120 Month IRA - Standard
0.01%^†	$1k	$100k	21-23 Month IRA - Standard
0.01%^†	$1k	-	36-41 Month IRA - Standard
0.01%^†	$1k	-	15 - 17 Month IRA - Standard
0.01%^†	$1k	-	18-20 Month IRA-Standard
0.01%^†	$1k	$100k	1 - 2 Month IRA - Standard