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CHASE Reviews


bestfor-icon One-stop-shop for banking needs

Written by Bob Phillips

About CHASE | Read More


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Mon-Fri 7am-11pm EST
Sat-Sun 10am-7pm EST
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  • 1-800-935-9935
  • Headquarters: 270 Park Ave. New York, NY 10017
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CHASE Online Banking Review

Chase offers several personal checking accounts and two types of personal savings accounts for customers to choose from. Additionally, business customers can select from a number of checking and savings accounts geared specifically toward modern business needs. The bank also provides commercial loans, financing, and 401(k) retirement plans for businesses.

CHASE Online Banking Highlight

No minimum

Min Deposit

16,000+ ATMs

ATM Network


Overdraft Fees


Maintenance Fees


Other Fees

Online Banking Savings

No minimum

Min Deposit

Min 0.01%

Min APY Savings

Online Banking Checking

No minimum

Min Deposit

Pros & Cons

  • con-icon 16,000 no-fee ATMs
  • con-icon Wide range of account options
  • con-icon Option to waive maintenance fees by meeting certain requirements
  • con-icon Uncompetitive APY rates
  • con-icon High balance needed to waive fees

Account types

  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)
  • Business
  • Business Checking


Account Type APY
Chase Secure Banking None
Chase Total Checking® None
Chase Savings Variable based on daily collected balance
Chase Premier Savings Variable based on daily collected balance
Chase Business Complete Banking (checking) None
Chase Performance Business Checking None
Chase Platinum Business Checking None
Chase Business Total Savings 0.01% to 0.02%
Chase Business Premier Savings 0.01% to 0.02%

Features Benefits & Rewards

  • Some accounts waive fees when you meet monthly minimums 
  • Make deposits to checking and savings accounts online, at a branch office, or at an ATM
  • Earn points to redeem for rewards on Chase-branded credit cards 
  • Unlimited electronic deposits
  • Integrated credit card processing
  • Fee-free cash deposits

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.

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

Written by Bob Phillips linkedin-icon twitter-icon

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.



Do Chase online personal checking accounts have monthly service fees?

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.

Can online banking customers visit a branch office for service or to make deposits/withdrawals?

Yes. Online customers can visit any of the 4,700+ branch offices located throughout the U.S.

Does Chase charge an overdraft fee?

Chase charges a $34 Insufficient Funds Fee per transaction beginning with the first transaction that overdraws the account balance by more than $50.

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.

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.