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Chase Bank Review


ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent)
7 Customer Comments & Reviews - see all comments
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A subsidiary of JPMorgan Chase, Chase Bank is a consumer and commercial bank and one of the "Big Four" in the United States. Chase has financial operations worldwide and offers business and personal banking, credit card, investment, and lending services.
 
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How is Chase rated?

Breakdown

4.5/5
Availability/Customer Service
4.9/5
Accounts Performance and Fees
4.9/5
Financial Strength

Overall Rating: 4.7 / 5 (Excellent)

Chase Bank has a large variety of personal banking accounts, ensuring that every customer will find the account that fits his or her needs. Likewise, the company's decades of experience in the banking industry means they will be able to offer a more seamless experience for its customers. Customers who are looking for a traditional bank will find much to like about Chase. Consumers who are looking for fewer fees and accounts with higher APYs may look elsewhere.

Chase General Banking Services

Availability/Customer Service - 4.5 / 5

As one of the four largest banks in the U.S., Chase offers multiple personal banking products. For savings, they have the Savings account and the Premier Savings account. The difference lies in the APY, which is higher in the Premier account, depending on the customer's balance, and the minimum opening deposit amount, which is higher in the Premier account. As such, this account is geared towards customers with higher balances. Both accounts have monthly maintenance fees, which can be avoided if the account maintains a specific balance. As for checking, there are three products available: Chase Total Checking, Chase Premier Plus Checking, and Chase Sapphire Checking. Again, the difference between the accounts is in the features, such as the higher end accounts being interest-earning, and a series of fees being waved with these accounts. The differences are many, so consumers should visit Chase's website and see the comparison for themselves. But it's evident that there is a checking and savings product for everyone.

Savings Accounts

Savings Account
Chase Savings and Chase Premier Savings
Savings Account APY (Annual Percentage Yield)
0.01%–0.09%
Savings Account Fees
Maintenence
Insufficient Balance Fee
Passed Monthly Transaction Limit Fee
Returned Deposit Fee
Overdraft Fee
Out of Network ATM Fee

Checking Accounts

Checking Account
Chase Total Checking, Chase Premier Plus Checking, and Chase Sapphire Checking
Checking Account Fees
Maintenence Fee
Incoming Wire Fee
Replacement Card Fee
Check Reorder Fee
Stop Payment Fee
Insufficient Funds Fee
Deposited Item Returned Fee
Bounced Check Fee

Additional Services

Cards
Credit Cards
Debit/ATM Cards
Prepaid Cards
Loan Products
Mortgages
Mortgage Refinance
Home Equity Loans
Auto Loans
VA Loans
Physical Branches
Chase has 5,100 branches around the country and there are 16,000 ATMs in the Chase network.

Other Bank Accounts

CDs
Money Market Accounts
Brokerage Accounts
Retirement Accounts
IRA
Roth IRA
Accounts for Children
Sweep Accounts
Student Accounts
Joint Accounts

Chase Digital Banking Services

Accounts Performance and Fees - 4.9 / 5

Chase offers multiple digital banking services, such as a mobile app that allows photo check deposit, the ability to set up online bill payments, and text notifications. Chase is also partnered with Zelle, a mobile payment service, to allow consumers to send and receive money from friends and family.
Mobile App
Yes
Mobile Features
Photo Check Deposit
Transfer Funds
Bill Pay
Online Banking Features
Direct Deposit
Online Bill Pay
Transfer Funds
Account Alerts (Text/Email)
Resources/Additional Features
Financial Advisor

Chase Financial Strength and Reputation

Financial Strength - 4.9 / 5

Chase Bank, a subsidiary of JP Morgan Chase, is one of the four largest banks in the United States. It holds excellent financial ratings from two of the top bond rating agencies in the world, serving as evidence of the stability of its finances and its ability to meet future obligations. As for customer sentiment, the company is rated F by the Better Business Bureau. However, it appears this rating is due to the company's failure to respond to customer complaints posted on the site. Additionally, the large number of complaints is not unusual or unexpected for a company as large as Chase. Therefore, these metrics should be interpreted conservatively.
Year Founded
2000
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
Aa2
Live Help 24/7
Yes
Contact Methods
Phone
Email
Social Media
BBB Rating
F
BBB Resolved Complaints
2,492 complaints closed in last 3 years
Trustpilot Rating
4.1 out of 10
Consumer Financial Protection Board (CFPB) Complaints
54,751
Date Collected
2018-09-17

Company Profile

Full Name
Chase Bank
Company Website
https://www.chase.com
Headquarters
270 Park Avenue, New York, NY, 10017

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7 Customer Comments & Reviews

Loading Reviews ...
bbwoodwo
9/30/2024
I am fed up with Chase! I more than paid them off in the last several months and they say I still have a balance of $94 with them and I know I don't owe that. I am sick of them being like pit bulls and not leaving me alone. The harassment is ridiculous.

S
Stressed O
5/21/2024
Attempting to log into Chase Bank credit card accounts online WILL be a Nightmare. It all began in 2021. During Log In, you will frequently receive a message to receive a phone call with a 6-digit code. But when you answer the phone and press # to get the code, the # is not recognized. If, after 8 tries, you finally get a code, the next screen will tell you to call in to confirm your identity. Then you have to vent your frustrations with the customer service representatives and get another code in order to access you first online account. I have 4 chase account Log-Ins for various personal and business accounts. It usually takes me 45 minutes to 2 hours (one day each month), with multiple... Read More

henat822
7/5/2023
Chase Bank stole my money. I proved it and they still won't return it. Wells Fargo is way better than Chase.

jauldr
6/17/2022
I had inheritance that I split between 2 banks, Chase had part of it. It stayed there for about a decade. I moved out of state - wasn't getting statements because my address change did not go through. I LITERALLY have tried to get my address changed for more than a year. Phone calls, emails, forms, I was even eventually was told the fastest way to get it done is to go to a local Chase bank. I drove 30 miles to do that, sat for almost 1/2 hour while it was being done, I even got checks printed to go with me, with my new address! I am now purchasing real estate with this money, need money wired. I explain this to my "customer care" person, he said it takes up to 2 days to sell my positions.... Read More

scotter59
6/16/2022
DO NOT APPLY FOR A MORTGAGE OR REFINANCE WITH CHASE if one is taking care of a senior citizen, has had hardship in this economy and things got away from them. Chase engages in a CATCH 22 to DENIAL. What will be your CATCH 22 to DENIAL with Chase - will the actual denial be disclosed? In my case I had been taking care of my girlfriends medical and incidentals for a couple of decades, the house needed work, but she finally got Social Security and Medicare. Part of the debt I was intending to shed included replacing the roof, a sliding glass door, fixing the deck that came loose from the house and removing several large oaks including one that fell on the house, so with Chase I was... Read More

C
Cara
12/13/2018
Ever since switching to Chase, I've had a better experience managing my financial health and well-being. Between their credit card offerings and their wonderful customer service, I'm glad I made the transition.

elizabeth v
10/24/2018
25000 Wire sent September 28 2018 from Spain still not found with several requests to Chase to find the money. The sender bank has sent updates to Chase to try to get the money into my business account. I have filed several written complaints without respectful response or concern I am a living breathing existence who deserves to be treated with the utmost respect. Chase will do whatever Chase pleases no care to anything. 8 accounts shut down and or set to shut down without warning in good standing after many many years with Chase at the same time the $25000 went missing. Still the attitude is so what Chase will do whatever Chase pleases to long term clients or anyone. My daughter's... Read More

Top Rated
  • $0 minimum starting deposit
  • Checking account—earn 1% cash back on up to $3,000/m in debit purchases* 
  • No monthly fees
  • Access to 60,000 free ATMs nationwide
  • High-yield money market and CDs

*See website for details

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