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Chase Bank Review: My Honest Take After Being a Customer for 3 Years

Review Updated
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger

Brooklyn leads the content team behind product reviews and ratings at Motley Fool Money, ensuring readers get well-researched, expert-backed insights to make smarter financial decisions. With nearly seven years working full-time in financial content -- four of them at The Motley Fool -- she has developed a deep passion for personal finance, from investing strategies to everyday money management. Her financial goals include buying a house and planning as many trips as her budget allows. In her free time, you’ll likely find her listening to a pop culture podcast or telling anyone who will listen to get a high-yield savings account.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money. APY = Annual Percentage Yield.

If you're looking for a big-name bank that does it all -- and does it with solid in-person support -- Chase is worth a serious look. I've used Chase for the past three years, and my husband has been a customer for over a decade. Between the two of us, we've opened joint checking and savings accounts, used their credit cards, and stopped by branches more than once for things like setting up accounts and getting cashier's checks for big-ticket purchases.

Long story short: Chase isn't perfect, but it's reliable, widely accessible, and packed with features if you like the idea of doing all your banking in one place.

Award Icon 2025 Award Winner
Offer image for
Member FDIC.

Chase

4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Bottom Line

Chase has one of the largest branch networks in the nation. But it doesn't neglect the online experience. It offers simple online and mobile tools to manage your funds. If you have one account with Chase, there's a good reason to open one or two more. The reason is the bank's strong relationship benefits. What's more, the bank's customer service shines.

Pros
  • Large, nationwide branch network
  • Rewards for customer loyalty
  • User-friendly online and mobile banking tools
  • Good customer service ratings
  • Multiple checking and savings accounts options
Cons
  • Low APYs on savings accounts and CDs

Our methodology for scoring banks and credit unions revolves around evaluating key aspects such as annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks.

These criteria are weighted differently across various account types, ensuring a comprehensive assessment that reflects the competitive landscape and economic conditions.

We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased by advertiser influence. This robust evaluation process helps us generate balanced, reliable best-of lists that guide consumers to top financial products.

Learn more about how Motley Fool Money rates bank accounts.

Our methodology for scoring banks and credit unions revolves around evaluating key aspects such as annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks.

These criteria are weighted differently across various account types, ensuring a comprehensive assessment that reflects the competitive landscape and economic conditions.

We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased by advertiser influence. This robust evaluation process helps us generate balanced, reliable best-of lists that guide consumers to top financial products.

Learn more about how Motley Fool Money rates bank accounts.

Chase Bank products

Chase offers pretty much everything: checking, savings, CDs, mortgages, credit cards, brokerage accounts, and even financial advisors, making it easy to grow your financial life under one roof.

Chase Total Checking®

Chase Total Checking®
Open Account for Chase Total Checking®

On Chase's Secure Website.

Member FDIC.

Ratings Methodology
Rates as of Jul 16, 2025

Chase Total Checking®

Open Account for Chase Total Checking®

On Chase's Secure Website.

Member FDIC.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Open Account for Chase Total Checking®

On Chase's Secure Website.

APY
0%
Min. To Earn APY
N/A
  • Largest bank in the U.S. in terms of assets 
  • More than 15,000 ATMs and 4,700 physical locations
  • Wide range of financial products
  • User-friendly online and mobile banking tools
  • No minimum deposit to open
  • Chase Overdraft Assist
  • Low APYs on savings accounts and CDs
  • $12 ($15, effective August 24, 2025) monthly maintenance fee waived only with qualifying activity

Chase Total Checking® combines tons of features with superior customer service. It's a safe place to put your money. You can walk into any of thousands of branches and withdraw cash from more than 15,000 ATMs in Chase's network. You can access everything online, too. It's one of the best checking accounts for in-person and over-the-phone customer service.

  • Enjoy $300 as a new Chase checking customer, when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*


*With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

**Monthly service fee is $12 ($15, effective August 24, 2025), or $0 with one of the following, each monthly statement period:

Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network, OR a balance at the beginning of each day of $1,500 or more in this account, OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

Chase Savings℠

Chase Total Checking®
Open Account for Chase Total Checking®

On Chase's Secure Website.

Member FDIC.

Ratings Methodology
Rates as of Jul 16, 2025

Chase Savings℠

Member FDIC.
2.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
2.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
APY
0.01%
Min. To Earn APY
N/A
  • Large, nationwide branch network
  • Highly rated customer service
  • Automated savings tools for those with linked Chase checking accounts
  • Unimpressive APY
  • Monthly maintenance fee

The Chase Savings account doesn't offer a high APY, but it remains a popular pick because of the bank's impressive customer service and huge branch network. Those who prefer personalized, in-person support will find Chase difficult to beat.

Let's be real here: Chase's savings account interest rates are very underwhelming. The APY is very low compared to most online banks, which means your money isn't growing much sitting there. If you're serious about growing your savings, Chase's rates just don't compete.

Here are some better options if you want your money to grow while it sits in your account:

Compare savings rates

Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.

Account APY Promotion Next Steps
3.60%
Rate info Circle with letter I in it. 3.60% annual percentage yield as of July 16, 2025. Terms apply.
Min. to earn: $0
N/A
up to 3.80%
Rate info Circle with letter I in it. Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.20% APY Boost (added to the 3.80% APY as of 7/10/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 8/12/25. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
Earn up to $300 bonus with direct deposit. Plus, new customers earn an extra 0.20% APY on savings for up to 6 months with direct deposit (terms apply) -- that equals up to 4.00% APY! Circle with letter I in it. Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.20% APY Boost (added to the 3.80% APY as of 7/10/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 8/12/25. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
3.90%
Rate info Circle with letter I in it. Balances less than $250,000 earn 3.90%, and balances greater than $250,000 earn 4.10%.
Min. to earn: $0
N/A
Open Account for Barclays Tiered Savings

On Barclays' Secure Website.

Digital experience

Mobile app

The Chase app is one of the best I've used. It's clean, responsive, and has all the essentials: mobile check deposit, spending insights, account alerts, and bill pay. You can transfer money between accounts in real time, keep tabs on your credit score, and set up notifications to help you stay on budget. Whether I'm paying bills or checking on our savings balance before a vacation, it's easy to do from anywhere.

  • App Store rating: 4.8 / 5.0 stars
  • Google Play rating: 4.5 / 5.0 stars

Online banking features

  • Bill pay
  • Mobile check deposit
  • Account alerts
  • Real-time transfers between accounts
  • Credit score monitoring

Fees and costs

Chase's monthly fees are in line with other traditional banks, but you'll want to pay attention to the details to avoid unnecessary charges. The Chase Total Checking® account has a $12 monthly service fee, which is going up to $15 starting August 24, 2025. That fee can be waived if you meet any one of the following criteria each month:

  • Receive $500 or more in electronic deposits (like payroll or government benefits)
  • Maintain a daily balance of $1,500 or more in the account
  • Have an average beginning balance of $5,000 or more across eligible linked Chase accounts and investments

If you don't meet any of those requirements, you'll pay the monthly fee -- $12 now, and $15 after the change takes effect. For what it's worth, I've never had trouble waiving that fee.

Overdraft fees are another thing to keep an eye on. Chase charges $34 per overdraft transaction, with a max of three fees per business day (that's up to $102). That said, their Overdraft Assist℠ feature can help you avoid fees entirely if you're overdrawn by $50 or less at the end of the day, or if you bring your account back above the $50 threshold by the end of the next business day. There's also no overdraft fee if the transaction is $5 or less or if it's declined altogether.

ATM access is free at all Chase ATMs, and with more than 15,000 across the country, you're rarely far from one. Just be aware that out-of-network ATM use can come with fees.

Customer experience and reviews

From my experience, customer service at Chase has been responsive and helpful. I've gotten quick answers both in-branch and through the app's secure messaging system. Phone support is available 24/7 for most services, and branch hours are fairly standard -- though some locations offer extended hours on Saturdays.

Many customers appreciate the convenience of having both strong digital tools and physical locations, though some reviews mention frustration with fees or long resolution times for more complex issues. Personally, I've had a smooth experience.

Security

Chase's reputation gives me peace of mind, and their security features back that up. They offer two-factor authentication, real-time alerts, and 128-bit encryption. I've never had to question whether my money is safe, and with a bank this size, that kind of trust matters.

Chase Bank in the news

Chase Bank is most commonly in the news for cutting-edge product upgrades and collaborations. In 2024, Chase rolled out more AI-powered budgeting and fraud detection tools -- a smart move as banks race to keep up with tech-savvy customers. The year before, the bank expanded its partnership with Zelle and added in-app investment coaching, continuing to push toward a more all-in-one digital experience.

Most recently, in July 2025, JPMorgan Chase CEO Jamie Dimon announced plans for the bank to get more involved in stablecoins, including both JPMorgan's own deposit coin and broader stablecoin initiatives. It's a big signal that Chase isn't just sitting on the sidelines of the crypto conversation. Mastercard and Citi also mentioned stablecoin plans during recent calls, and while Congress hasn't yet cleared the way for corporate stablecoins, Chase clearly wants to be ready if and when regulation moves forward.

How Chase Bank compares

Chase Bank vs. Capital One

Capital One is a strong contender if you're after fee-free banking and higher interest on your savings. It doesn't charge monthly maintenance fees, and its savings rates consistently outperform Chase's. But where Capital One shines in digital convenience, Chase stands out for in-person service -- with more than 4,700 branches -- and an unbeatable lineup of premium credit cards.

If you want a full-service bank with a physical presence and top-tier travel rewards, Chase is the better fit. But if your priorities are earning interest and avoiding fees, Capital One has the edge.

Chase Bank vs. Bank of America

Bank of America is another traditional bank with nationwide branches and a long history, especially popular with older generations. While it doesn't have quite as many physical locations as Chase, it does reward loyalty in ways Chase doesn't -- offering discounts on loans and bonus rewards for long-term customers. If you're looking for those perks and don't mind a slightly smaller branch footprint, Bank of America may pull ahead. But Chase still wins for overall accessibility, ease of use, and broader credit card options.

Who Chase Bank is best for

Chase is a solid fit for people who want in-person service for big financial moves, whether that's setting up a new account, getting a mortgage, or asking investment questions. It's great for families or couples looking to simplify their finances and manage joint accounts, and for anyone who wants the confidence that comes with a household-name bank.

If you're okay keeping an eye on fees and aren't chasing the highest savings rates, Chase is a dependable long-term choice. Ready to get started? Apply for a Chase Total Checking® account now.

FAQs

  • Yep, setting up a joint account with Chase is easy, and managing it through their app or in a branch is straightforward. It's been a great option for my husband and I.

  • Chase does charge monthly service fees on checking and savings accounts, but you can avoid them by meeting deposit or balance requirements.

  • Absolutely. With more than 4,700 branches nationwide, Chase offers easy access to in-person support for things like setting up accounts or getting cashier's checks.