Chase Review 2026
Chase is one of the largest banks in the United States, offering a comprehensive range of banking products including checking and savings accounts, credit cards, mortgages, auto loans, and investment services. Known for its extensive branch network and robust digital banking platform.
Founded
1799
Headquarters
New York, NY
Total Assets
$3.4 trillion
Branches
4,700+
BankingDeal Rating
Based on rates, fees, features, and customer satisfaction
4.2
out of 5.0
Rates & Fees
| Product | Rate / Fee |
|---|---|
| Savings APY | 0.01% |
| 12-Month CD APY | 4.75% |
| Checking Monthly Fee | $12 |
Rates shown are for illustration. Verify current rates directly with Chase.
Products Offered
Pros & Cons
Pros
- +Largest branch network in the US
- +Excellent mobile app and digital tools
- +Wide range of credit card options with strong rewards
- +Robust investment platform through J.P. Morgan
- +Comprehensive business banking services
Cons
- -Monthly fees on most accounts unless requirements met
- -Lower savings and CD rates compared to online banks
- -Minimum balance requirements can be high
- -Overdraft fees apply on some accounts
Our Verdict
Chase is a solid choice for those who value 4,700+ branch locations and a full suite of banking products. Largest branch network in the US, making it a strong contender in the traditional banking space. While savings rates at 0.01% are lower than online competitors, the convenience of branch access and comprehensive product offerings may offset this for many customers.
Related Resources
Frequently Asked Questions
Is Chase a good bank?
Chase has a rating of 4.2/5 on our scale. Largest branch network in the US. However, monthly fees on most accounts unless requirements met. Whether it is right for you depends on your specific banking needs and priorities.
What is the savings account APY at Chase?
Chase currently offers a savings APY of 0.01%. Online banks may offer higher rates, though Chase provides other benefits like branch access. Rates are subject to change. Verify current rates directly with Chase.
Does Chase charge monthly fees?
Chase charges a $12 monthly maintenance fee on its standard checking account, though this can often be waived by meeting certain requirements such as maintaining a minimum balance or setting up direct deposit.
What products does Chase offer?
Chase offers Checking Accounts, Savings Accounts, CDs, Credit Cards, Mortgages, Auto Loans, Investment Services. Services are available online, through the mobile app, and at 4,700+ branches nationwide.
Where is Chase headquartered?
Chase is headquartered in New York, NY. Founded in 1799, JPMorgan Chase Bank has grown to manage $3.4 trillion in total assets. It operates 4,700+ branches.