Chase Bank Review: Checking and Savings From a Name You Trust

4.2

GBR RATING

GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Sign up for Chase Total Checking and qualify for a $300 bonus. 

Chase offers a robust menu of financial products, access to 4,700 banks, and a large number of ATMs nationwide.

Chase Bank offers comprehensive financial products, including checking, savings and CDs. Today, the financial institution has over $4 trillion in assets, and about half of all American households use its products. 

GOBankingRates has ranked JPMorgan Chase among the Best Premium Checking Accounts and Best National Banks for 2025.

Chase Checking Accounts

Chase offers eight checking account options divided into three categories: Everyday, Premium and Kids & Students. From Chase Total Checking, which is a basic account with no bells and whistles, to Chase Total Checking¹: Total Checking is one of Chase’s most popular accounts because it has the banking essentials you need, including an autosave feature and no overdraft fee² if you’re overdrawn $50 or less by the end of the business day.      

The monthly service fee is $12 or $0 if you meet the following requirements:

• Depositing at least $500 or more from paycheck or government benefits, using ACH, Real Time Payment Now or FedNowSM network or debit card payments via Visa® or Mastercard®, or
• Carrying a balance of $1,500 at the beginning of each day, or
• Having an average of $5,000 or more on this account combined with other Chase account types

For students aged 17 to 24 enrolled in college or vocational programs:

• $0 monthly fee up to the graduation date (with proof of enrollment)
• Otherwise, a $12 monthly fee applies.

• Monthly fees apply to most accounts but are waivable if you qualify

4.6

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Chase Checking Accounts

Start Banking

Best For

National Banks

Premium Checking Accounts

Branch Locations

Mobile App

Account Perks

Min. Balance to Earn APY $0

Chase offers a variety of checking accounts for different needs. You’ll have access to an extensive branch and ATM network, robust digital tools and options to waive fees, though interest rates can be a bit low, and some accounts have higher waiver requirements.

Fees

$0 or $12, with options to waive

APY

N/A

Min Opening

$0

Pros

• Extensive branch network and access to ATMs
• Highly-rated mobile app 
• Multiple ways to avoid overdraft fees with Chase Overdraft Assist^SM

Cons

• Monthly service fees (waivable if you meet specific requirements)
• Interest rates on interest-bearing accounts are relatively low 
• Higher waiver requirements for certain accounts

Why We Like Chase

Chase’s checking accounts address various customer needs, from basic banking services to premium features. While they offer extensive access through a vast branch and ATM network and robust digital banking tools, potential customers should be mindful of the associated fees and relatively low interest rates.

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Chase Premium Checking Account

GOBankingRates has voted Chase Premier Plus Checking, one of the Best Premium Checking Accounts of 2025.

Premier Plus Checking offers interest-earning features and fee waivers under specific conditions:

• $25 monthly service fee, waived with:
  • An average beginning day balance of $15,000 in linked qualifying accounts.
  • A linked, qualifying Chase first mortgage enrolled in automatic payments.
• Monthly service fee waiver for linked Chase personal savings or up to two Chase Premier Plus Checking accounts.
• Free Chase design checks included

GOLD WINNER

5.0

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Chase Premium Checking Account

Start Banking

Best For

National Banks

Premium Checking Accounts

Branch Locations

Mobile App

Account Perks

Interest-Earning and Fee Waivers Available

Chase Premier Plus Checking offers interest-earning benefits and options to waive fees with qualifying balances or accounts, along with access to an extensive branch network.

Fees

$35, waivable

APY

Min Opening

$0

Pros

• Interest-earning
• Chase Ovedraft Assist^SM
• No fees for money orders or cashier’s checks

Cons

• High balance of $150,000 required to waive monthly fee
• May find higher rates elsewhere

Why We Like Chase

Chase’s Premium Plus Checking boasts an extensive network, meaning you can find a branch to handle your premium banking needs whenever and wherever you need, as long as the fees or minimum balance requirements to waive that fee are within your budget.

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Chase Savings Accounts

Chase savings account options include the basic Chase Savings and a preferred account called Chase Premier Savings. Overall, rates are low for Chase savings products. 

• $5 monthly fee (waivable if $300 daily balance, the account owner is under 18, and $25 or more in total autosave or other automatic transfers from your personal Chase checking account or a  linked Chase College Checking account)
• APY of
• Premier Savings: A Premier account is eligible for a higher relationship rate when linked to a Chase Premier Plus or Sapphire Checking account and making at least five customer-initiated transactions each month using a linked Chase checking account. Chase Premier Savings has a $25 monthly service fee, which is waived with a $15,000 beginning day balance or when linked to a Premier Plus or Sapphire Checking account. 

Chase Savings Accounts

Start Banking

Best For

National Banks

Premium Checking Accounts

Branch Locations

Mobile App

Account Perks

A Waivable $5 Monthly Fee

Chase savings accounts provide numerous benefits when linked with other Chase accounts. The low APYs and high balance requirements to waive fees, however, may be less appealing for those seeking more competitive interest rates.

Fees

$5 monthly, waivable

APY

Min Opening

$0

Pros

• Extensive branch network 
• Comprehensive banking services
• Advantages when multiple accounts are linked 
• Overdraft protection for checking

Cons

• Lower than average APYs compared to competitors
• High monthly fee if the waiver is not met
• High monthly balance for the Premier account to waive fees and access higher interest 

Why We Like Chase

Chase offers personal accessibility to services given its multiple branches and in-person options. However, the lower interest rates and higher minimum balances on savings accounts may not appeal to most customers.

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Chase CD Accounts 

To open a Chase certificate of deposit account online and receive the relationship rate, you must be an existing Chase checking customer. Otherwise, you must open the account in person at a branch location, and you’ll miss out on the preferred rate.

• Chase requires an existing relationship to get an optimal rate for CDs.
• A $1,000 minimum is required for a CD.
• Flexible terms from one month to 10 years
• FDIC-insured 
• To receive a higher interest rate, it may require a larger deposit which may not be advantageous to certain customers.

3.2

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Chase CD Accounts

Start Banking

Best For

National Banks

Premium Checking Accounts

Branch Locations

Mobile App

Account Perks

Flexible CD Term Lengths

Chase CDs offer flexible terms and relationship rates for existing customers. However, pay mind to the $1,000 minimum deposit. APYs are lower compared to competitors, with higher deposits needed for the best rates.

Fees

No monthly service fee

APY

Up to

Min Opening

$1,000

Pros

• Wide range of terms
• Ability to conduct transactions in person
• Will receive a better rate if you have an existing relationship

Cons

• Lower rates than most competitors’ CDs
• Early withdrawal penalties
• High minimum deposits for best rates

Why We Like Chase

Chase’s varying length for CDs and flexible in-person hours make investing in their financial product convenient. However, the $1,000 minimum and higher minimum deposit for a good rate may not be optimal for mos.

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Banking Experience

Chase has most of the products you would expect from a big bank and then some. You can do all your banking in one place with Chase. Regarding deposit accounts, the bank offers eight different checking options, two savings options, and a variety of CDs. 

However, the bank does not offer a money market account. Chase also offers a selection of credit cards, home loans, auto loans, investing, and various business and commercial services.

Mobile Banking

Chase has an excellent mobile app. If you’re looking for a bank with a highly rated mobile app, you’ve found it. It has a rating of 4.8 stars on the App Store and 4.4 stars on Google Play.

With the app, you can manage your Chase accounts and JPMorgan investments³, monitor your credit, budget and track your money, use Zelle and initiate mobile deposits. You can also track rewards, lock and unlock your account if you misplace your card, and find the nearest Chase branches and ATMs.

Customer Service

Customer service is something Chase prides itself upon. The bank provides an online page linking to various self-service options, including FAQs, instructional articles and videos.  To speak to a banking representative, you can do any of the following:

• Call for 24/7 assistance at 1-800-935-9935
• X (Twitter): Tweet the bank @ChaseSupport 
• Facebook: Message @Chase 
• Instagram: Message @Chase 
• Schedule a meeting with a personal banker.

How Does Chase Compare?

Chase might be one of the best banks of 2025, but that doesn’t mean it’s right for everyone. Whether you just want to find the right debit card or are thinking of starting a small business, you need to know your bank account has your back. Here are some other options to help you decide if Chase is the best bank for you.

Checking

Premium Checking

Savings

CDs

SELECTED BANK

4.6

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Chase Checking Accounts

Start Banking

MOST COMPARABLE

4.7

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Wells Fargo Everyday Checking Account

Read Review

MOST COMPARABLE

5.0

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Citi Checking Account

Read Review

Fees

Fees

Fees

$0 or $12, with options to waive

$5 to $35 waivable monthly fee

$15

APY

APY

APY

N/A

Up to

N/A

Min Opening

Min Opening

Min Opening

$0

$25

$0

SELECTED BANK

5.0

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Chase Premium Checking Account

Start Banking

MOST COMPARABLE

4.4

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Wells Fargo Premier Checking Account

Read Review

MOST COMPARABLE

4.9

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Citi Premium Checking Account 

Read Review

Fees

Fees

Fees

$35, waivable

$35 waivable monthly service fee

No monthly service fee

APY

APY

APY

N/A

Min Opening

Min Opening

Min Opening

$0

$25

$0

SELECTED BANK

Chase Savings Accounts

Start Banking

MOST COMPARABLE

Wells Fargo Savings Account

Read Review

MOST COMPARABLE

Citi Savings Accounts

Read Review

Fees

Fees

Fees

$5 monthly, waivable

Up to $12 monthly service fee – can be waived

See Citi’s website for details on monthly fees.

APY

APY

APY

Up to for Platinum Savings accounts

Up to

Min Opening

Min Opening

Min Opening

$0

$25

$0

SELECTED BANK

3.2

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Chase CD Accounts

Start Banking

MOST COMPARABLE

3.3

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Wells Fargo CD Account

Read Review

MOST COMPARABLE

4.3

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

Citi CD Accounts

Read Review

Fees

Fees

Fees

No monthly service fee

Early withdrawal penalty may apply

No monthly service fee

APY

APY

APY

Up to

Up to

Up to

Min Opening

Min Opening

Min Opening

$1,000

$2,500 to $5,000

$500

Chase vs. Wells Fargo

Wells Fargo offers a significantly higher savings APY than Chase at its Way2Save account. However, Chase dominates Wells Fargo on the credit card side of the banking world, with a nearly unlimited line of appealing card offerings. 

Chase vs. Citi®

Citi has the biggest fee-free ATM network of any major U.S. bank, with more than 65,000 fee-free ATMs in the U.S., compared to Chase’s 15,000. However, Citi’s branch network is quite sparse compared with Chase’s if you desire in-branch services.

Chase vs. Bank of America

Chase and Bank of America are two of the largest banks in the United States. Chase has more branches than Bank of America. However, Bank of America offers a rewards program via Preferred Rewards. This program offers reduced loan rates and higher interest rates on savings for qualifying customers. A customer’s choice may come down to what works best for their financial goals. 

Final Take

Chase Bank is perfect for a traditional banking customer because it offers consistency and availability. Chase’s strongest feature is the number of account options available. In addition to offering a wide variety of products, Chase provides both online and in-branch servicing which is why it has been ranked among the Best Premium Checking Accounts and Best National Banks of 2025 by GOBankingRates.

Rudri Patel, Caitlyn Moorhead and Melanie Grafil contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 9, 2024. 

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

¹Chase Total Checking has a monthly fee of $12 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.

²*With Chase Overdraft AssistSM, Chase won’t charge an insufficient funds 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 p.m. ET, or 8 p.m. PT, to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

³INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE

To determine the Best Premium Checking Accounts of 2025, GOBankingRates looked at the following factors from the most premier or costly checking product from the top 25 banks (in terms of total assets): (1) total assets as sourced from the FDIC; (2) minimum deposit to open an account; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) APY on the checking account; and (6) associated and advertised benefits or perks from these premium products. All factors were then scored and combined, with the lowest score being the best. Factor (1) and (2) were weighed 0.5 times, and factor (6) was weighed 3 times. All products and offerings had to be available as of Nov. 1, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 6, 2024.

To discover the Best National Banks of 2025, GOBankingRates analyzed the top national institutions, (excluding online banks and neobanks) that have branches in at least 25 states and have over $400 billion in total assets, or both. GOBankingRates considered the following factors (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times; and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 1, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 6, 2024.

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