| Account Type | APY |
| Chase Secure Checking | 0.00% |
| Chase Total Checking | 0.01% |
| Chase Savings | 0.01% |
| Chase Premier Savings | 0.01% or > based on balance |
| Chase Business Complete Banking (checking) | None |
| Chase Performance Business Checking | None |
| Chase Platinum Business Checking | None |
| Chase Business Total Savings | 0.02% |
| Chase Business Premier Savings | 0.02% |
CHASE Online Banking Review
Chase has several personal checking accounts for customers to choose from and two types of personal savings accounts.
In addition to its personal banking services, Chase Bank also offers checking and savings accounts geared specifically towards businesses. In addition, Chase also provides commercial loans, financing, and 401(k) retirement plans for businesses.
CHASE Online Banking Highlights
APY SAVINGS
Max 0.01%
APY CHECKINGS
Max 0.01%
ATM NETWORK
17,000+ atms
OVERDRAFT FEES
34
MAINTENANCE FEE
4.95
OTHER FEES
None
Pros & Cons
- Ability to waive checking account fees
- Popular rewards credit cards
- Branch support for online account holders
- A limited number of branches in some states
- Minimum daily balance required to waive fees
- Low interest rates credited on checking and savings accounts
Account Type
- Checking
- Savings
- Certificates of Deposit (CD)
- Money Market Deposit Account (MMDA)
- Business
CHASE Checking Highlights
DEPOSIT AMOUNT
No minimum
APY
Max 0.01%
CHASE Savings Highlights
DEPOSIT AMOUNT
No minimum
APY
Max 0.01%
APYs
Features Benefits & Rewards
- Premier Checking has no monthly fees if account minimums are met.
- Deposits to checking/savings accounts can be made online, at a branch office, or at an ATM.
- Chase has a rewards program associated with its Chase-branded credit card.
- Unlimited electronic deposits
- Integrated credit card processing
- Fee-free cash deposits
Account Types
Personal Banking:
| Account Type | Key Features | Bonuses |
| Chase Secure Checking |
|
None |
| Chase Total Checking |
|
$200 bonus for opening a Chase Total Checking account and setting up direct deposit |
| Chase Savings |
|
None |
| Chase Premier Savings |
|
None |
Business Banking:
Chase Business Complete Banking
The Chase Business Complete Banking checking account is designed for small or start-up businesses that keep an average minimum balance of $0 to $35,000. The $15 monthly maintenance fee is waived based on the specified minimum account balance and activity levels being met.
| Account Type | Key Features | Bonuses |
| Chase Business Complete Banking |
|
$300 sign-up bonus if specific criteria are met |
Chase Performance Business Checking
The Chase Performance Business Checking account is designed for higher volume businesses maintaining an average minimum daily balance between $35,000 and $100,000. The $30 monthly maintenance fee is waived based on the specified minimum account balance and activity levels being met.
| Account Type | Key Features | Bonuses |
| Chase Performance Business Checking |
|
None |
Chase Platinum Business Checking
The Chase Platinum Business Checking account is for large accounts maintaining an average daily balance of $100,000 or more. The $95 monthly maintenance fee is waived based on the specified minimum account balance and activity levels being met.
Chase Business Savings Accounts
Chase has two business savings accounts: the Chase Business Total Savings account and the Chase Business Premier savings account. Monthly service fees are waived when a qualifying Chase Business Checking account is linked, or other thresholds are met.
| Account Type | Key Features | Bonuses |
| Chase Business Total Savings |
|
None |
| Chase Business Premier Savings |
|
None |
Opening an Account With CHASE
Opening an online account with Chase is a simple four-step process. A minimal number of questions are asked during each step, and all questions are standard for bank account applications.
Step 1
Are you already a CHASE customer?
Opening a business account with Chase requires more steps than opening a Chase personal account.
You can open a Chase business checking account online if your business is a privately held sole proprietorship, corporation, or LLC (with one member or manager). All other business entities must apply in person at a local branch. Chase operates more than 4,700 retail branches across 48 states.
While no minimum deposit is required to open a Chase Business Complete Checking account, you must transfer money into your account within 60 days, or the account will be closed.
After your account is funded and set up, you’ll be able to manage your business banking using Chase online, the Chase mobile app, and by visiting Chase branches and ATMs.
What you need to open a Chase business account:
Business owners need to supply the following documents and information to open a Chase business checking account:
- Two forms of identification, including a government-issued photo ID.
- Employer identification number (or Social Security number for single-member LLCs).
- Business documents, including assumed name or DBA certificate, articles of organization or incorporation, partnership agreement, and business license, depending on your entity type.
- Business address and telephone number.
- Date of birth, Social Security number, and personal address for anyone with 10% or more ownership in the company.
State Availability
Available in all states
Customer Support
Although Chase is the largest bank in the United States ($3.31 trillion in assets in 2022), it is easy to contact customer support. Chase’s website provides toll-free support numbers for its various offerings, with different toll-free numbers for each product line (credit card, personal banking, auto loans, home lending, etc.) and online banking customers. Chase also has separate numbers for domestic and overseas military personnel.
When we called the Chase Customer Support line for personal banking, we found the phone prompts minimal and easy to navigate. The system has a convenient voice recognition feature for account holders to speed up the customer identification process and a ‘call back’ option for customers who don’t wish to remain on hold to speak with a representative. Representatives are live human beings.
Phone Support
1-800-935-9935
Mon-Fri
7am-11pm EST
Sat-Sun
10am-7pm EST
In Conclusion
Chase has a complete online banking product line and an advanced platform backed by a customer service network that has received mostly positive reviews from its customers. We find no substantial drawbacks to doing business with Chase since online customers wishing to connect personally with a Chase employee can visit a nearby Chase branch office.
FAQ
The Chase Total Checking account has a monthly service fee of $12, which is waived if the customer has $500 or more of electronic deposits made into their account OR has an average daily balance of $1,500 at the beginning of each day OR has a $5,000 average daily balance at the beginning of each day between their linked Chase checking, savings, or other Chase accounts.
Yes. Online customers can visit any of the 4,700+ branch offices located throughout the U.S.
Chase charges a $34 Insufficient Funds Fee per transaction beginning with the first transaction that overdraws the account balance by more than $50.
Disclosure
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Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.
9.0
LS SCORE
10
CREDIBILITY
8.0
SUPPORT
9.0
ACCESSIBILITY
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Sat-Sun
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