Chase Online Banking
Chase’s size and its broad range of financial products offer customers convenience, but some of its bank accounts come with high fees and low rates.
The bottom line:
JPMorgan Chase is the largest bank in the country and offers a robust menu of services and products. It provides mortgages, auto loans and one of the broadest selections of credit cards in the industry. And its website experience can compete with that of online-only banks.
Chase has a good basic checking account but its savings rates are generally low, and some fees are high and hard to avoid.
Best for: Customers who want access to a large number of branches, are not looking for the highest interest rates and can keep a large enough balance to avoid a monthly fee. Chase Online Banking
Pros
- More than 4,700 branches and 16,000 ATMs.
- Monthly fee on basic savings account is easy to avoid.
- Bonus offer on checking.
Cons
- High monthly fees.
- $2.50 fee at non-Chase ATMs in the U.S. for basic checking accounts.
- Low rates on CDs.
- Low rates on savings.
Chase offers several checking options, including its most basic account, Chase Total Checking®, and a couple that bear a tiny amount of interest (the rates are lower than the national average of 0.03%). Each checking account gives users access to mobile banking, including online bill pay, and comes with a debit card that has a security-enhancing chip. Chase Online Banking
Chase Total Checking® account holders can avoid a fee each month by having monthly direct deposits totaling $500 or more, keeping a beginning day balance of at least $1,500 or having an average beginning day balance of $5,000 or more across certain Chase accounts.
Chase offers a $200 bonus on its Total Checking® account (expires 07/20/2022). See our list of best bonuses for details. Chase Online Banking
Chase’s basic account, Chase Savings℠, has an annual percentage yield of only 0.01% (effective 8/6/2021; rates are variable and subject to change). The account supports free overdraft protection transfers to a linked checking account when there’s not enough money in checking to cover a transaction. Central Bank,Chase Bank Customer Service,Chase Bank Near Me,Chase Customer Service,Chase Near Me,Chase Online,Chase Online Banking
To avoid the $5 monthly fee on the Chase Savings℠ account, customers can maintain a daily balance of at least $300 or schedule a recurring transfer of at least $25 from a linked Chase checking account, among a couple other options.
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Methodology
NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star. Chase Online Banking
Manage your small business accounts
Stay informed with alerts, manage your money through Access Manager and online banking.
Control your cash flow
Use online solutions such as payroll, ACH collections and QuickDeposit to manage your cash flow.
Chase Business Online Banking
Easily manage your small business account with online banking tools to help you monitor and control your cash flow—
simply use online banking or the Chase Mobile® app.