Chase Bank is the largest bank in the US, making it one of the most financially secure institutions in the country. It serves over half of all American households with a variety of financial products including personal banking, credit cards and more.
Compare Chase banking products
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Chase signup bonus coupons
Deal
$300 signup bonus when you open a Chase Total new account with direct deposit
Expires 16 Oct 2024
Offer valid for new Chase Total Checking customers through October 16, 2024, when you set up direct deposit within 90 days of opening your account.
To get the $100, you'll need to open a new Chase Secure Banking account and complete 10 qualifying transactions within 60 days of coupon enrolment. Offer expires October 16, 2024.
Up to $3,000 signup bonus when you join Chase Private Client Checking℠
Expires 16 Oct 2024
Enjoy up to a $3,000 welcome bonus. Open a new Chase Private Client account; earn $1,000 when you deposit $150,000, $2,000 when you deposit $250,000 or $3,000 when you deposit $500,000 in qualifying new money within 45 days of joining and maintain the balance for at least 90 days.
How does Chase compare to other banks and services?
JPMorgan Chase holds more than $2 trillion in assets, making it the largest of the Big Four banks in the US. Headquartered in Manhattan, Chase operates in 28 states with a total of more than 4,700 branches — second only to Wells Fargo. It has more ATMs than any other bank, with a grand total of over 15,000 units that account for 17.5% of all bank-owned ATMs.
Checking accounts
Pros
Convenience. With over 15,000 ATMs, more than 4,700 branch locations and a great online platform, you’ll get easy access to your money.
Overdraft services. If your account falls below $0, Chase essentially lends you the money to cover the difference. With Overdraft Assist, Chase won’t charge you an overdraft fee if you overdraw your checking account by $50 or less. And Overdraft Protection lets you link a Chase savings account to cover overdraft transactions for free. But Chase First Checking, Chase High School Checking or Chase Secure Checking accounts are not eligible for overdraft services.
Signup bonuses. Chase is known for offering attractive signup bonuses for new checking account customers.
Cons
ATM fees. If you make a withdrawal at a non-Chase ATM, you’ll pay $3 on top of the ATM fee. If you’re outside the country, you’re looking at a fee of $5 plus 3% of the transaction.
Overdraft fees. If you don’t have your savings account linked to your checking account, you’ll pay $34 each time you overdraft by $50 or more, up to three times a day. For accounts like Chase Secure Checking that don’t support overdraft, Chase may automatically decline transactions if you don’t have enough money in your checking account to cover the charge.
Monthly fees. Every Chase checking account has an associated monthly fee. Although it can be waived when you meet certain requirements.
Savings accounts
Pros
Incentives. Chase offers a range of signup bonuses and incentives for opening new savings accounts.
Low minimums. Chase savings accounts have low minimum deposit requirements.
Automatic Savings Programs. Make your savings automatic when you turn on this feature and have money sent from your checking account to savings every month.
Cons
Low interest rates. Interest rates on Chase bank accounts are far lower than its competitors. If you’re looking for leading high-interest savings accounts, you may want to consider credit unions, smaller banks or online savings accounts.
Monthly service fees. You’ll pay $5 or $25 a month depending on which savings account you go with, although there are ways to waive these fees.
Excessive transaction fee. If you make more than 6 outgoing transactions a month, Chase charges you a $5 fee each time.
CDs
Pros
Accessible interest. Although you can’t touch your principal balance until maturity, you can withdraw your interest at any time.
Automatic renewals. Your CD automatically renews once it matures, so you can keep on saving.
Flexible terms. With Chase, you can lock your money away for as short as one month or as long as 10 years.
Cons
Low APYs. Earn a 0.01% APY, which is subpar at best.
$1,000 opening deposit. You’ll need to set aside at least $1,000 to open a Chase CD. While this isn’t the highest opening deposit we’ve seen, there are lower minimums out there.
Early withdrawal penalties. Chase charges a 90% early withdrawal penalty for terms of one to 5 months and 180% for terms of 6 months or more.
Overall banking
Pros
Security. Chase is the largest financial institution in the US, meaning you’ll have the peace of mind that your money is safe.
Linked accounts. Since Chase offers so many financial products, linking your accounts will allow you to easily manage your money, make transfers and more.
Great technology. Chase has an intuitive online banking system and mobile app with a built-in virtual assistant that can help you complete common banking tasks from anywhere.
Cons
Limited availability. Chase has more than 4,700 branches, but its services are only available in 28 states.
Below-average customer service. Many customers have had issues with communication, billing and more.
Low rates across the board. Chase is one of the biggest banks in the country, but its high monthly fees and low interest rates may not be worth the name recognition.
Chase Bank holds the highest possible long-term financial ratings from all three major ratings agencies: Fitch, S&P and Moody’s. However, customers seem to have a much different opinion of the institution.
Chase is not accredited with the Better Business Bureau, where it receives an F rating based on its failure to respond to 144 complaints and government action taken against it. Customers cite problems with resolving issues with accounts, lack of communication, unfairly rejected applications and more.
Bottom line
Chase is a popular bank for millions of customers across the country, offering a range of products and is backed by high financial ratings. If you’re looking to open multiple accounts and want easy access to your money, Chase might be the right choice for you. However, if you’re looking for high interest rates and personalized customer service, you may be better off comparing options from smaller institutions.
Common questions about banking at Chase
What is the SWIFT code and routing number for Chase?
The Chase swift code is CHASUS33.
Routing and institution numbers vary by location. You can find them online or on one of your checks.
Online. Login to your online account and click on the last four digits of your account number that appear above your account information.
By check. Your routing and transit number are located on the bottom left of each check.
Does Chase offer online or mobile banking?
Yes. Chase offers an easy online banking platform and convenient mobile app. Visit the app store on your phone or the official Chase site to download the mobile app.
Can I link my Chase account to an account at another bank?
Yes. You’ll need to enroll in online banking for both of your accounts, then you’ll be able to link your accounts and set up external transfers once you’ve logged in. However, there may be fees associated with external transfers.
Can I get new account bonuses if I’m already a Chase customer?
No. Most special offers at Chase are only available to people who are not already customers with Chase. You can still take advantage of all of the features that each account offers, but it’s unlikely that you’ll be eligible for new account bonuses.
What happened to Finn by Chase?
Finn by Chase was designed to be the bank’s millennial-focused digital banking product, but instead of a standalone bank account, its features were rolled into the Chase Mobile app and the Finn branding discontinued in August 2019.
Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio
Cassidy Horton is a freelance personal finance copywriter and past contributing writer for Finder. Her writing and banking expertise have been featured in Forbes Advisor, Money, The Balance, Money Under 30, Insure.com, and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University. See full bio
Chase College Checking offers no monthly service fees for enrolled college students for up to five years, but there may be other free accounts worth considering.
The Chase Savings account is a simple savings account that helps you reach your short- and long-term financial goals. It offers the benefits and security of banking with Chase for a low monthly fee that is easily avoidable.
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