Chase Bank

Overview / Commentary

www.chase.com

800-935-9935

270 Park Ave.
New York, NY 10017

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.

$700 JP Morgan Self Directed Brokerage Bonus - 4/24/2024

1/16 Opened 1/24 Deposited 250k in Brokered CDs and ETF 4/23 $700 Bonus Hurray! Chase Self Invest is a decent account.

View all posts from:

2024
2023
2022
Earlier

4/24 - $700 JP Morgan Self Directed Brokerage Bonus

9/28 - Want A 6% CD From Jpmorgan Chase? You Need To Have $5 Million
9/27 - "Fat cats don't chase rats", don't read "rats" but "rates", Chase $200 bonus
8/18 - Marginally Competitive Rates At Chase
6/22 - Looks Like Chase Is At It Again - ACH Transfers
5/20 - $750 Business Checking Bonus
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%

Reviews (48)

Best Bank Ever!

Posted by: MandyD | Jan 15, 2024

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!

Helpful Hint?

Posted by: Peri | Sep 14, 2024

Called to close my checking account because I grew tired of Chase wanting to charge me for the privilege of using my money and deigned to pick the call-back option because of the long waiting time. I did get the call back, from obviously India, and was told they had to transfer my call to someone who could help me. Alrighty then. Took me a few minutes to foolishly realize I had been hung up on, silly me. Called again, but this time decided to stay on line in the queue. Didn't take too terribly long, understood the voice, and got the account closed with little trouble after doing my own transfer to a linked account. So, if you are going to close an account, best stay on the call and have a linked account already, else they can only mail you a check.

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.

Don't Waste Your Time

Posted by: davidsco27 | Dec 4, 2024

Just AWFUL. I have a Self-Directed investment account. 1. They have limits to how much you can transfer in a day. 2. They then limit how much you can trade with that money. 3. When I added an external account, their incompetent "fraud controls" flagged it and locked me out costing me a morning and interest 4. Even trading with the money I have brings up errors. oh, and of course their automated phone system is likewise poorly set up, asking you for your debit card number when you don't even have one, and then you get an outsources scriptreader. It's clear these morons are not ready for prime time. Do yourself a favor and invest your money elsewhere

Comment

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Health

B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	628
Year Established	1824
Employees	227738
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.64%
Return on Equity - YTD	18.55%
Annual Interest Income	$84.23B

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$3,510.5B$3,382.2B
Loans	Q2 2024vs Q2 2023	$1,311B$1,286.4B
Deposits	Q2 2024vs Q2 2023	$2,488.2B$2,505.7B
Equity Capital	Q2 2024vs Q2 2023	$314.2B$315.4B
Loan Loss Allowance	Q2 2024vs Q2 2023	$22.93B$21.92B
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$10.14B$9.04B
Real Estate Owned	Q2 2024vs Q2 2023	$287MM$252MM

Rates

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Savings
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%^†	$0	$500k	Chase 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	$500k	Chase 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

APY	MIN	MAX	ACCOUNT NAME
3.13%^†	$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

APY	MIN	MAX	ACCOUNT NAME
4.00%^*^†	$100k^*	-	3-5 Month CD - Relationship
OTHER TIERS: 3.50% → $1k - $100k
4.00%^*^†	$100k^*	-	Business 3-5 Month CD - Relationship
OTHER TIERS: 3.50% → $1k - $100k
3.25%^*^†	$100k^*	-	12-14 Month CD - Relationship
OTHER TIERS: 3.00% → $1k - $100k
3.25%^*^†	$100k^*	-	Business 12-14 Month CD - Relationship
OTHER TIERS: 3.00% → $1k - $100k
2.00%^†	$1k	-	9-11 Month CD - Relationship
2.00%^†	$1k	-	24-29 Month CD - Relationship
2.00%^†	$1k	-	30-35 Month CD - Relationship
2.00%^†	$1k	-	48-120 Month CD - Relationship
2.00%^†	$1k	-	21-23 Month CD - Relationship
2.00%^†	$1k	-	36-41 Month CD - Relationship
2.00%^†	$1k	-	15 - 17 Month CD - Relationship
2.00%^†	$1k	-	18-20 Month CD-Relationship
2.00%^†	$1k	-	42-47 Month CD - Relationship
2.00%^†	$1k	-	Business 9-11 Month CD - Relationship
2.00%^†	$1k	-	Business 15 - 17 Month CD - Relationship
2.00%^†	$1k	-	Business 18-20 Month CD-Relationship
2.00%^†	$1k	-	Business 21-23 Month CD - Relationship
2.00%^†	$1k	-	Business 24-29 Month CD - Relationship
2.00%^†	$1k	-	Business 30-35 Month CD - Relationship
2.00%^†	$1k	-	Business 36-41 Month CD - Relationship
2.00%^†	$1k	-	Business 42-47 Month CD - Relationship
2.00%^†	$1k	-	Business 48-120 Month CD - Relationship
1.75%^†	$1k	-	2 Month CD - Relationship
1.75%^†	$1k	-	Business 2 Month CD - Relationship
1.50%^†	$1k	-	6-8 Month CD - Relationship
1.50%^†	$1k	-	Business 6-8 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	$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