Chase Bank Review 2025: Nationwide presence with multiple checking, savings, and CD options

Chase Bank is likely to appeal to many with over 4,700 branches across the lower 48 states and outside the country, 15,000 ATMs, and several savings, checking, and certificate of deposit (CD) options. The institution also scored near the top in the J.D. Power U.S. Retail Banking Satisfaction Study in 2025 and has a highly rated mobile app, giving you access to your funds on the go.

However, its interest rates aren’t always competitive and in some cases are even lower than the national average. Choosing this bank over another means choosing convenience and great service over earning top yields.

Rates are current as of July 18, 2025, and are subject to change.

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Chase Bank at a glance

Who is Chase Bank good for?

Chase Bank is good for those seeking a bank with ample banking services, accounts, and physical locations, who typically have enough of a balance to avoid monthly service fees, and earning high  don’t interest on their savings is not a priority. 

Who shouldn’t use Chase Bank?

Anyone seeking a high-yield deposit account or ATM fee reimbursements for out of network ATM transactions should look to another bank. 

Chase Bank rates and products

Chase offers new customers several options of checking accounts, savings accounts, and CD terms. Money markets are missing, but you’ll earn interest and APYs on most of the accounts.

Checking accounts

Chase offers several checking accounts, from everyday and premium accounts to business accounts and those for kids, teenagers, students, and private clients. While they’re not free checking accounts, monthly service fee waivers are available for account holders who meet criteria based on age, direct deposit and/or bank balance, or military background. 

Chase Total Checking

• Opening bonus: Up to $300 (expires October 15, 2025)
• Monthly service fee: $12; $0 for eligible accounts
• Autosave: Available
• APY: None
• Use of non-Chase ATM: $3 to $5 per transaction
• Money order fee: $5
• Overdraft assist: Available for up to $50
• Overdraft: $34 per item, maximum of three per day
• Foreign currency: 3% of transaction 

Chase Secure Banking

• Opening bonus: Up to $100
• Monthly service fee: $4.95 ; $0 for eligible accounts
• Autosave: Available
• Use of non-Chase ATM: $3–$5
• Paper checks: Unavailable
• Cashier’s check: $0
• Money order fee: None
• Overdraft services: Unavailable
• Direct deposit: Up to two days early
• Foreign currency: 3% of transaction

Chase Premier Plus Checking

• Opening bonus: None
• Monthly service fee: $25; $0 for eligible accounts
• Autosave: Available
• APY: 0.01%
• Use of non-Chase ATM: $0 for up to four transactions per month; $35 afterward (in the U.S.) 
• Paper checks: Available 
• Cashier’s check: $0
• Money order fee: None
• Overdraft assist: Available for up to $50
• Overdrafts: $34 per item, maximum of three per day
• Foreign currency: 3% of transaction 

Chase Sapphire Checking

• Opening bonus: None
• Monthly service fee: $25 ; $0 for eligible accounts
• Autosave: Available 
• APY: 0.01%
• Use of non-Chase ATM: $0
• Foreign currency fee: None
• Money orders: $0 
• Checks: Free Chase design checks 
• Cashier’s check: Available for free
• Overdraft fees: $0, up to four times a year
• Stop payment fee: None
• Debit card replacement: Available for free

Chase Private Client checking

• Monthly service fee: $35 ; $0 for eligible accounts
• APY: 0.01% on any balance
• Use of Non-Chase ATM: $0
• Foreign currency fee: None
• Money orders: $0
• Checks: Free personal design checks 
• Cashier’s check: Available for free
• Autosave: Available 
• Overdraft fees: $0, up to four times a year
• Stop payment fee: None
• Debit card replacement: Available for free
• Dedicated banker: Available
• Business banking advisor: Available
• Discounts on home and auto loans: Available

Chase Bank offers even more checking account options, including Chase College Checking for college students aged 17 to 24, Chase High School Checking for ages 13 to 17, and parent-owned Chase First Banking account for children between 6 and 17.

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Savings accounts

Chase offers two main traditional savings accounts, which both yield extremely low interest compared to some other banks with high-yield savings accounts. 

Chase Savings

• Monthly service fee: $5 ; $0 for eligible accounts
• Autosave: Available
• APY: 0.01%
• Relationship APY: None
• Wire transfer fee: $0–$50
• Money order: $5

Chase Premier Savings

• Monthly service fee: $25 ; $0 for eligible accounts
• Autosave: Available
• APY: 0.01%
• Relationship APY: 0.02%
• Wire transfer fee: $0–$50
• Money order: $5

CDs

Chase Bank offers several CD term lengths, from one month to 10 years. However, the minimum deposit requirement, especially to earn the best rates, is high yet the CD rates are low. There’s also an early withdrawal penalty for withdrawing before your CD term expires, but the rate depends on your term length.

Chase CD rates

Chase Bank CDs have a standard interest and APY of 0.01% on all balances, regardless of the term or account balance. However, customers who link their CD to an existing personal checking account can earn higher rates. Here is a sampling of Chase’s CD offerings:

At the end of your CDs term, you can renew or change terms, add funds, or withdraw all your money at the end of the term. Chase also offers special CD ladders for its private clients, allowing them to open four CDs simultaneously and earn interest at intervals.

If you’re seeking a higher APY than what you can find from Chase, see our picks for the best certificates of deposit (CDs) for September 2025.

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Other services Chase Bank offers 

Chase offers several other banking services including the following: 

• Credit cards: Chase issues over 20 personal rewards and travel credit cards, including the Chase Freedom Unlimited and Chase Sapphire Reserve, many with bonus offers. 
• Auto loans: Chase offers loans for new and used cars and works with a wide network of car dealers.  
• Mortgages: Chase offers homebuyers financing and refinancing help with its home loans and can help you obtain adjustable-rate mortgage (ARM), Federal Housing Administration (FHA), and United States Department of Veterans Affairs (VA) loans with as low as 0% down payment. 
• Investment and wealth management: Chase advisors can walk you through personalizing your financial plans and investment portfolio. You can invest in exchange-traded funds (ETFs), stocks, mutual funds, and other investment opportunities. 
• Estate services: Chase Bank can help you gather the necessary documents and work with relevant institutions to obtain a deceased loved one’s assets and clear their debts. 
• Retirement planning: Chase provides tools to help customers plan and calculate 401(k), annuities, and individual retirement accounts (IRAs) and handle tax matters to develop the best retirement programs. 

Online banking

While it’s not technically an online bank, Chase enables online banking, allowing you to pay bills, transfer funds, schedule transfers, and even deposit paychecks from your computer. You can also monitor your account activities and download your statements with utmost safety, thanks to the bank’s enhanced encryption technology. 

The Chase platform and customer support 

Chase’s secure mobile banking app provides 24/7 account management and Zelle compatibility and is well rated by over 8 million Chase customers. The bank also offers 24/7 customer support for a seamless banking experience. Get help from the Chase team by calling 800-935-9935, via email through the bank’s secure message portal on your computer or through the mobile app, sending a message through X (formerly Twitter) @ChaseSupport, or visiting the knowledge portal, where you’ll find helpful blog posts, videos, and frequently asked questions (FAQs). 

Chase Bank ranked consistently high for customer satisfaction in J.D. Power’s 2025 U.S. Retail Banking Satisfaction Study, so customers can be reasonably sure of getting a helpful response from them.

Is Chase Bank secure?

Chase Bank employs enhanced security measures, such as secure sign-in, multiple authentication, data encryption technology, and validation checks to ensure your funds and identity are safe. Chase also works around the clock, monitoring your credit card for fraud and temporarily holding your bank account if there are any suspicious activities. 

Plus, your deposits are safe, up to $250,000 per account type, per institution since Chase Bank is FDIC-insured in case of a bank failure.

Chase Bank user reviews

In general Chase customers are glad to bank with Chase because of its many savings and checking options, promotions, help with getting better loan rates, and smooth estate management process. However, some complained of undue account closures, while others felt the support team wasn’t fast enough with resolving issues or lacked the proper information to help them. The bank earned mixed responses for credit cards, with some Chase customers being happy about their accounts while others complained bitterly about what they considered unfair charges.

Compare Chase Bank alternatives

Here’s how Chase compares to other popular banks in the country. 

Chase	Wells Fargo	Bank of America
Minimum opening deposit	Minimum opening deposit	Minimum opening deposit
$0	$25 (for Everyday Checking)	$0
Opening bonus	Opening bonus	Opening bonus
$100 –$300 for certain eligible accounts	$325 for new checking accounts	$300 for new checking accounts
Monthly service fee	Monthly service fee	Monthly service fee
$5 –$35 ; $0 for eligible accounts	$5–$35; $0 for eligible accounts	$4.95–$25; $0 for eligible accounts
Number of ATMs and branches	Number of ATMs and branches	Number of ATMs and branches
15,000 ATMS and 4,700 branches	11,000 ATMs and 5,600 branches	15,000 ATMs and 3,800 branches
Learn more	Learn more	Learn more
View offer at MoneyLion	View offer at MoneyLion	View offer at MoneyLion

Terms and conditions apply. Bank details reviewed on July 18, 2025.

Is Chase Bank right for you?

Chase Bank offers comprehensive banking services and account options likely to fit the needs of most people. It’s also highly regarded for its mobile app and online banking which make it easy to access your accounts from virtually anywhere. Plus, its physical presence in nearly every state makes it ideal for those who prefer in-person banking. But the low interest rates, monthly service fees, expensive overdraft charges, and lack of some products such as MMAs, may mean another bank is a better fit for your needs.

Frequently asked questions

Does Chase give you $200 for opening an account?

No, Chase won’t give you $200 merely for opening an account—but when you open specific accounts, you may get an opportunity to earn a new customer bonus if you meet the requirements. 

As of this writing, new Chase Secure Banking or College account customers can earn $100 while Chase Total Checking account customers can earn $300. Chase’s ongoing opening bonus promotions will end on July 16, 2025. 

How much money do you need to open an account at Chase?

Unlike many other big banks that may require you to deposit a certain amount of money when opening a bank account, Chase has no minimum opening deposit. 

What are the disadvantages of Chase Bank?

One of the biggest disadvantages of Chase Bank deposit accounts are the lackluster yields, especially compared to online banks. Additionally, some accounts charge monthly service fees and/or wire transfer fees.