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Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

Chase Online Banking

Rate This Bank : 1 Stars 2 Stars 3 Stars 4 Stars 5 Stars 2.79  (38 User Voted)

If you are looking for a brand-name national bank with strong online offerings, a highly rated mobile app and plenty of opportunities to interact off-line on the branch-level, Chase deserves your attention.

From high interest savings accounts to everyday checking and credit cards, the consumer and commercial banking arm of JPMorgan Chase & Co. has a range of accounts and features to choose from.

Here are all the pros and cons you should consider before opening an account with Chase: 

Chase Snapshot

Savings Rates

Something to Love...

...Something to Consider

  • Diverse and broad product line-up means a better chance of finding the right product for your unique situation, including multiple savings offerings such as Chase Savings, Chase "Plus" Savings and Certificates of Deposit.
  • This is easy: No question you can find better savings rates at other banks, especially online-only. If securing the highest possible interest rate is your main goal, shop around.

Mobile Banking

Something to Love...

...Something to Consider

  • App integrates all your Chase accounts so you can see checking, savings and credit cards all on one screen.
  • Mobile payments are extremely easy to make.
  • Excellent customer reviews and feedback for both Apple and Android apps.
  • One recent reviewer in the Apple app store wished for the ability to wire money from their iPad to overseas accounts.
  • Another warned mobile check deposit can be tricky in low light.

Fees

Something to Love...

...Something to Consider

  • Setting up automatic transfers waives the monthly service fees on Chase's basic savings account, something you definitely want to do right away. You shouldn't have to pay to save.
  • No monthly service fees on CDs
  • No fee if savings account holder is under 18, which is great for teaching children about saving money early.
  • Different savings accounts require different minimums or actions to waive fees, so customers have to pay attention. For example, you will need a $100 minimum deposit to open a Chase Plus savings account and could see a $20/month service fee unless you deposit $15,000 into the account or link to a Chase checking account.

Customer Service

Something to Love...

...Something to Consider

  • Chase has clearly embraced social media. You can interact with a customer service rep on Twitter @ChaseSupport. And it's not a robo-response: Real people are behind the handle, staffing it M-F 7a.m.-11 p.m. ET & Sat. 8a.m.-8p.m. ET.
  • ATM and branch availability: 5,300 branches and 16,100 ATMs nationwide.
  • Personalized account alerts.
  • Credit card holders get free access to their monthly FICO Score.
  • Despite a large national footprint, Chase only operates in 25 states, so be aware if you are traveling and expect to find a no-fee ATM. You can search ATM and branch locations on the Chase website.
  • Good to know: If you have a Premier Plus account you can use a non-Chase ATM for free up to four times during a statement period.
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Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available. Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author's alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program. UGC Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.