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Chase Business Complete Banking Review
Chase Bank, the largest U.S. bank by assets, offers numerous banking products and services that can make running your small business easier. Chase Business Complete Banking℠ combines all the benefits of a checking account with features like Chase QuickAccept so you can accept payments on the go.
Whether you’re looking for your first small business checking account or you’re ready to make the switch to a new bank, here’s a closer look at what Chase Complete Banking has to offer.
Chase Business Complete Banking
Chase Business Complete Banking is a business checking account that’s paired with Chase QuickAccept.
This feature allows you to accept card payments from customers or clients as an integrated feature of your bank account. Chase QuickAccept allows same-day deposits into your Chase business checking account, with transparent pricing for processing card payments. The fee structure to accept payments is as follows:
- 2.6% + 10 cents for tap, dip or swipe transactions completed using a QuickAccept Mobile Card Reader
- 3.5% + 10 cents for keyed transactions
Chase QuickAccept has no hidden fees. But there is a monthly service fee associated with the business checking account component of Business Complete Banking. Ordinarily, this fee is $15, but you can reduce it to $0 by meeting one of the following conditions each monthly statement period:
- Maintaining a $2,000 minimum daily balance
- Making $2,000 in purchases with a Chase Ink Business credit card
- Receiving $2,000 in deposits through QuickAccept or other eligible Chase Merchant Services transactions
- Linking a Chase Private Client account
- Providing proof of military service as a veteran or active duty member
Chase Business Complete Banking allows you to send and receive money via Chase QuickDeposit, wire transfer and Chase Online Bill Pay. Enrollment in Chase QuickDeposit is subject to approval. If you get the green light, you’re required to sign a two-year contract, which includes a check scanner. You’ll pay a $25 monthly maintenance fee for a single feed check scanner or $50 a month if you choose a multiple feed check scanner option.
In terms of other fees you may pay, there’s no fee for the first 20 deposits and withdrawals made with a teller or by writing a paper check. After that, you’ll pay a $0.40 fee for each additional paper check or teller transaction.
Chase charges a $2.50 fee for transactions made at out-of-network ATMs in the U.S. The fee increases to $5 for withdrawals at ATMs outside the U.S. There’s also a 3% foreign transaction fee when completing transactions in currencies other than U.S. dollars. You’ll also pay a $5 card replacement rush fee if you request express shipping. Separate fees apply for wire transfers.
Your account comes with a debit card for convenient access to business funds. Chase imposes these limits on card transactions:
- Daily purchase limit: $10,000
- Daily Chase in-branch ATM withdrawal limit: $3,000
- Daily other Chase ATM withdrawal limit: $1,000
- Daily non-Chase ATM withdrawal limit: $500 (or $1,000 for accounts opened in CT, NJ, NY, TX)
There are also limits on deposits made through Chase QuickDeposit. If you’re using this feature, you can deposit:
- $10,000 daily and $25,000 in a rolling 30-day period using the Chase Mobile app
- $250,000 daily and $500,000 in a rolling 30-day period if you have a check scanner
Other Chase Business Synchronicity bank customer service Banking Accounts
In addition to Business Complete Banking with QuickAccept, Chase also offers Performance Business Checking and Platinum Business Checking. In terms of how these accounts compare with the regular Business Complete Banking option, the biggest differences lie in the fees and features.
Performance Business Checking has a $30 monthly service fee while the Platinum Business Checking account has a $95 monthly fee. These can be waived by maintaining a chase bank business account reviews daily balance of $35,000 or $100,000, respectively, in your business deposit accounts with Chase.
Another key difference is that with Chase Business Complete Banking, QuickAccept is included. If you want to use that feature with Performance Business Checking, you’ll need a separate merchant services account. And it’s not an option at all with Platinum Business Checking.
Chase QuickAccept and Chase QuickDeposit can both make managing cash flow for your business easier. QuickAccept removes obstacles for accepting and processing card payments from customers so you can get paid virtually anywhere. You could use this feature to accept payments, whether you have a brick-and-mortar location or run a mobile business such as a food truck operation or a pop-up retail store.
The QuickDeposit feature also takes the hassle out of accepting check payments if you have customers or clients who’d rather pay by check versus card. Being able to deposit checks without visiting a branch can save you time, which can be an invaluable resource as a business owner.
Access on the Go
In addition to QuickAccept and QuickDeposit, you can also access your Business Complete Banking account online or through the Chase mobile app. With Chase digital banking, you can:
- Check balances
- Transfer funds between accounts
- Schedule bill payments
- Set up account alerts
- Enroll in and view paperless statements
- Schedule wire transfers
- Move money through Chase QuickPay with Zelle
Chase allows you to access all of your business accounts online, including Business Complete Banking accounts as well as business savings accounts, CDs, business lines of credit and your merchant services account if you have one.
Currently, you can bank in person with Chase at over 4,700 branches and more than 16,000 ATMs.
If you need to speak to a person about your account, you can do so by calling Chase customer service at 1-800-242-7338. Technical support for online and mobile banking is available at 1-877-242-7372. You can sign in online to Chase Business banking and send a secure message or visit a Chase branch. Chase also offers support through its Twitter account, @ChaseSupport.
- QuickAccept and QuickDeposit can help with streamlining business cash flow management
- Low monthly service fee, which could easily be waived if you meet one of the requirements
- Convenient access to online, mobile and branch banking, as well as an extensive ATM network
- Deposit up to $5,000 in cash per statement cycle with no fee
- Spend, pay bills, save and borrow in one place with Chase Business banking services
- Chase mobile and online banking have a user-friendly interface
- No minimum deposit to open an account
- Opening an account could be inconvenient if you have to visit a branch to do so
- You could get stuck paying the monthly service fee if you’re unable to have it waived
- Transaction fees could also add up if you write a lot of paper checks or visit the teller frequently
How Chase Bank Stacks Up
Chase Business Complete Banking could be an attractive option for small business owners who are comfortable managing their money online.
Plus, the option to visit a branch or ATM means you can still get personalized service when and if you need it.
Compared to other business checking options, the monthly service fee is relatively low and may be easy to sidestep, making this Chase account competitive with banks that offer free accounts.
Features like QuickAccept and QuickDeposit can eliminate some of the headaches of making sure cash is moving smoothly through your business.
Whichever options you choose, establishing a small business checking account is one of the most important steps in starting and growing your business.
Frequently Asked Questions
Is Chase Bank FDIC insured?
Yes, JPMorgan Chase Bank, National Association is FDIC insured (FDIC# 628). Your Chase deposits are protected for up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.
What's needed to open a Chase Business Complete Banking account?
You’ll need at least two forms of ID, including one that’s government-issued, as well as a Social Security number or Employer Identification number. You’ll also need to provide supporting documentation establishing your business type and funds to make your opening deposit.
Does Chase offer business savings accounts?
Yes, you can also open business savings accounts and/or certificate of deposit accounts with Chase.
What about business loans and credit cards?
Chase also extends business loans and business credit cards to qualified borrowers.
Can I open a Chase Business Complete Banking account online?
Yes, you do have the option to open a Chase Business Complete Banking account online if you operate as a sole proprietorship, corporation or single-member LLC. Other business types can schedule an appointment at the nearest Chase branch to complete account opening.
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Chase Checking Account Review
Chase Checking Account
Chase bank is one of the biggest banks in the country and it provides consumers with financial products and services ranging from savings accounts to credit cards to investments.
With a massive presence throughout the country, you're likely to consider Chase for a checking account -- your most important financial account.
The Chase Total Checking Account is the bank's basic checking account and it's probably the one that most people would think about opening for themselves.
In this review, learn more about the fees and features of the Chase Total Checking Account and compare it to other options to see if it is the right choice for you.
More Than 16,000 ATMs and 5,000 Branches
With a Chase checking account, you can access to a huge branch and ATM network that offers a strong physical presence to customers.
Through more than 16,000 ATMs, you won't have a tough time trying to find an ATM to withdraw or deposit funds for free.
It's important before choosing a checking account to know the ATM/debit card transaction limits. With the debit card that's linked to your Total Checking account, your limits are:
- Purchase limit: Up to $3,000
- Chase chase bank business account reviews ATM limit: Up to $3,000
- Other Chase ATM limit: Up to $1,000
- Non-Chase ATM limit: Up to $500 ($1,000 for accounts opened in CT, NJ, NY)
These limits are not set in stone, however. You may be able to get a higher limit if you ask a Chase representative to raise it, or by simply showing Chase you're a loyal and trustworthy banking customer.
Further, there are 5,100 branches, which can be a benefit especially tarrant county college logo you prefer to be able to do your banking at a physical bank.
Along with its availability, Chase provides 24/7 customer service so you shouldn’t ever run into any difficulty if you have questions or concerns about your bank account.
If the comfort of being able to speak with a banker in person is something you desire, Chase doesn't disappoint.
Chase Checking Account Pros & Cons
Easy Ways to Access and Manage Your Chase Accounts
Besides being able to access your account from thousands of different locations or ATMs, the Chase Total Checking account also comes with feature-packed online and mobile banking platforms that allow you to perform financial chores with ease.
These are some of the most notable benefits:
Chase Quickpay with Zelle
Paying your friends and family cannot get any easier when you can simply send money to another person with just their email or phone number.
Chase Quickpay with Zelle is accessible through online banking and Chase's mobile banking apps and it is completely free.
For Chase Total Checking Accounts and Chase Liquid cards, you can send:
- Up to $2,000 in a single transaction
- Up to $2,000 per day, and
- Up to $16,000 in a calendar month
The great part is that the recipients get the money directly in their bank accounts (if the bank is also a participating financial institution in the Zelle network).
This means that you don't have to download and worry about other third-party mobile payments apps.
Time-Frame to Send/Receive Money Using Zelle for Chase Total Checking
|Sending Money||Receiving Money|
|Chase Customer||As little as a few minutes or 1 business day at most||As little as a few minutes or 1 business day at most|
|Not a Chase Customer but bank participates in the Zelle network||As little as a few minutes or, 1 to 2 business days if their bank does not support real-time payments||As little as chase bank business account reviews few minutes or, 1 to 3 business days if bank does not support real-time payments|
|Not a Chase customer or a Zelle member||1 to 2 business days at most||1 to 2 business days for Chase to receive money and process it, and chase bank business account reviews 4 to 5 business days for you to receive money|
Online bill pay
You can pay bills through your checking account and schedule them to be sent automatically on a recurring basis. It's a free service that you can access through online banking and the Chase mobile apps.
You can deposit checks into your Chase Total Checking account through the mobile check deposit feature in Chase's mobile apps. It's free and convenient -- saving you from a trip to the bank or ATM.
These are the mobile deposit limits:
- Customers with accounts opened for fewer than 6 months: $500 per day and $1,500 per month
- Customers with accounts opened for 6 months or longer: $1,000 per day and $3,000 per month
These mobile deposit limits may vary by account because your limits could be higher if you've had a long history, large balance, or good history with the bank.
Ways to Avoid the Monthly Service Walmart weekly grocery ad src="https://d187qskirji7ti.cloudfront.net/news/wp-content/uploads/2017/10/chase-bank-app.jpg" alt="Chase Bank App">
This account comes with a $12 monthly service fee. However, you can avoid paying this fee in a few different ways.
- Have direct deposits totaling $500 or more
- Have a balance at the beginning of each day of $1,500 or more
- Have an average daily beginning day balance of $5,000 or more in any combination of Chase accounts and linked qualifying deposits
Although there are ways to avoid paying the $12 monthly fee, this can add up if you don’t meet one of the ways to get the fee waived.
Note: Some customers report that other incoming transfers and payments from non-Chase sources have been consider direct deposits. You can test and confirm this with your other financial accounts by setting up an account alert to notify you when a transaction is a direct deposit.
As you might guess, there are a number of lesser-known bank account options that come with zero monthly fees, so even if you don’t have a direct deposit or a larger daily balance, you won’t have to worry about paying every month just to have a checking account.
For a big bank, the monthly fee and the fee waiver requirements are relatively in line with what you'd expect.
Other Fees to Consider with the Chase Total Account
There are other fees you should be aware of before you open a checking account with Chase Bank.
Some of those fees include a non-Chase ATM fee of $2.50 fee for inquiries, transfers, or withdrawals made at an ATM that isn’t in the Chase network, as well as a $15 for overdrafts and an insufficient funds fee of $34.
Chase Checking Account Fees
|Monthly Maintenance Fee||$12|
|Online or Automated Phone Stop Payment||$25|
|Deposited Item Returned or Cashed Check Returned||$12|
|Domestic Wire Transfer||$15|
|Online Domestic Wire||$25|
|International Wire Transfer||$50|
|Online International Wire||$40|
Minimum Deposit to Open an Account
In order to open a checking account with Chase you will need at least $25. Keep in mind, however, that there are accounts with other institutions that don’t require a minimum deposit to open an account.
This could be something to consider if you want to open an account right away but don’t have the funds on hand immediately.
Compared to the Top Checking Accounts
With online banks trying to take business from the brick-and-mortar banks, you are likely to be tempted to switch banks because online banks tend to provide amazing perks with lower fees.
Axos Bank Rewards Checking
This account isn’t as well known as some of the others that are available, especially when compared to a major bank like Chase.
However, the Axos Bank Rewards Checking account is an online account that has no extra fees.
It also offers an opportunity to earn extra cash back when you use your debit card, and you can earn interest on your balance if your monthly direct deposits total $1,000 or more, or if you use your debit card at least 10 times per month.
TIAA Bank Checking
Another lesser-known banking option that is considered a competitor of the Chase Total Checking account is TIAA Bank Checking.
This account is also an online account, but its biggest difference setting itself apart from others is that it offers a rate of 15x the rate that other banks offer.
On the other hand, there is a huge drawback, which is the $5,000 minimum deposit requirement.
There is a basic checking option that has a smaller deposit requirement of $25, but this comes with a requirement of a $25 minimum daily balance in order to avoid a $5 monthly fee.
So, if you have $5,000 to start out with, you might want to consider opening an account here because of international student bank account santander potential for growth.
Capital One 360 Checking
If you are more comfortable with a financial institution with a long history and reputation, this account should be at the top of your list.
However, if popularity matters less to you than value, there’s a good chance that you have many other options when it chase bank business account reviews to choosing a checking account.
Not only are there numerous online banks offering the features you get with the Chase account, but there are increasingly more accounts available with more impressive features.
Plus, many of the newer banks are waiving minimum deposit requirements and monthly service fees, while also providing accounts that pay interest or offer other types of cash back opportunities.
More:Best Checking Accounts of the Year
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Chase Bank Review for 2021
Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers.
Are you in the market for a new checking account? Or perhaps you’re wondering where’s the best place to open your side hustle savings account?
Choosing which bank to trust with your money is a major decision. With so many options at your disposal, it can be hard to figure out which financial institution is best suited to guard your funds for safekeeping.
Should you trust a traditional financial institution that’s been around for 100-plus years? Or should you bring your money to the digital era and take advantage of an online bank?
At the end of the day, the choice is yours—and yours chase bank business account reviews. To help you make the best decision webbanking comerica your unique circumstances, we’re going to take a us federal holidays 2017 calendar look at Chase Bank and all that they have to offer.
An Overview of Chase Bank
Chase provides a wide range of financial services to nearly 50% of all U.S. households, including best in class credit cards, loans, savings, and banking accounts. With over 5,000 in-person locations and an exceptional online experience Chase is widely regarded as one of the best banks in the United States.
- Big Bank Perks
- Massive Reach
- Best in Class Credit Cards
- Exceptional Mobile Experience
- 24/7 Customer Service
- Minimum Balances
- Monthly Service Fees
- ATM Fees
- Lower Interest Rates
- High Overdraft & Late Fees
Chase Bank is the U.S. commercial and consumer banking division of the multinational investment services giant JP Morgan Chase & Co, which formed in 2018.
As one of America’s largest banking institutions, Chase provides a wide range of financial services to nearly 50% of all U.S. households.
What Services Does Chase Bank Offer?
Some of Chase’s main areas of focus include:
- Checking Accounts
- Savings Accounts
- Credit Cards
- Business Banking
- Personal Loans
- Auto Loans
- Payment Processing
- Investment Advice
Here are some noteworthy facts about Chase to consider:
- JP Morgan Chase & Co. manages over $2.6 trillion in assets worldwide and has over 250,000 employees.
- Chase Bank has nearly 4,900 branches and more than 16,000 ATMs located across the U.S.
- Chase is one of America’s oldest banks, which traces its roots back to The Bank of the Manhattan Company, founded in 1799.
If you’re looking for a checking account at a top-notch institution with easy access to ATMs and branches (in most areas), the Chase Total Checking account should work for you.
It does come with a monthly fee; however, it can be waived by meeting certain conditions like: maintaining a $1,500 minimum balance or having at least a $500 direct deposit each month.
Need a business account? They have those too! Plus right now it comes with a $300 bonus!
The sheer scale of Chase is impressive, with nearly 4,900 branches, access to 16,000 Chase ATMs, and over 250,000 employees worldwide.
And Chase’s wide range of financial services makes it easy for you to get a mortgage, business loan, or car loan—all under one roof.
If you’re an online banker, you’ll love Chase’s mobile app and website. The Chase Mobile app is one of the top-rated financial apps in the world, boasting a 4.8 rating out of 5, with bank of america cash back rewards categories 1.8 million reviews.
Checking Accounts for High School and College Students
It’s pretty awesome that Chase offers accounts for both high school and college students.
High school students between the ages of 13 and 17 can enroll in Chase’s High School Checking program:
College students between the ages of 17 and 24 are eligible for Chase’s College Checking program. Keep in mind, though, that the High School checking account has no fee, but the College Checking carries a $6 monthly fee (which can be waived if you meet certain stipulations, like maintaining an average balance of $5,000).
Let’s hope these new Chase account holders are getting an early start down the path to financial independence!
Low-Interest Rates on Savings Accounts
If you’re a serious investor (which I hope you are by now since you’re reading this blog!) you probably want to look elsewhere to invest your money.
Let’s be honest: Chase Savings offer an abysmal 0.01% interest rate. (I recommend a high-yield online savings account like Chase bank business account reviews Bank or UFB Direct).
Chase has a robust portfolio of credit card offerings and MillennialMoney highly recommends the Chase Sapphire Preferred Card.
Their Ultimate Rewards program is a great way to earn free flights, hotels or rental cars, by simply using your Chase credit cards for everyday purchases.
Frequent Amazon shoppers will love Chase’s Amazon Rewards Cards. The Amazon Rewards Visa Signature card offers 3% back on Whole Food purchases, 2% back on restaurants, gas stations and drugstores, and 1% back on other purchases.
What’s more, Amazon Prime members get 5% back on Amazon and Whole Foods purchases with the Amazon Prime Rewards Visa Signature Card. It’s a nice reward for folks who shop at either company frequently.
SEE ALSO:Best Chase Credit Cards
Chase Bank Pros and Cons
- Big Bank Perks
- Massive La taqueria san jose grand rapids while Traveling in the US
- Checking Accounts for High Schoolers
- Checking Accounts for College Students
- Top Notch Online Banking
- Rewards Cards
- Amazon Partnership
- Leading Edge Technology
- 24/7 Customer Support
- Minimum Balance Requirements
- Monthly Service Fees
- ATM Fees
- Only Located in 30 States
- Low Interest Rates on Investments
- High Overdraft & Late Fees
Are There any Fees with Chase Bank?
Yep, Chase has fees, and here they are:
- Minimum Balance Fee
- Monthly Service Fee
- Out of Network ATM Fees
- Overdraft Fees
- Late Fees
I absolutely loathe bank fees. How big banks get away with charging you account maintenance fees—when they get to invest and profit from your hard-earned money—is beyond me. But I digress.
Here’s a brief summary of the fees each of Chase’s checking accounts charge—and what you can do to avoid them.
Minimum Balance Fee & Monthly Service Fee
If your Chase Total Checking account balance falls below $1,500 during the month, you’ll pay a $12 monthly service fee. This fee, however, can be avoided by having over $500 in direct deposits hit your account.
Further, if your Chase Premier Plus Checking Account falls below a $15,000 average daily balance, you’ll pay a $25 monthly most active stocks today usa fee. Customers can avoid this fee by taking out a Chase mortgage and having payments automatically deducted from the account.
So, when Chase gets to make potentially hundreds of thousands of dollars on your mortgage, they’ll wave the $25 monthly service fee. How nice of them!
Finally, Chase Sapphire Checking accounts require an average daily balance of $75,000 to avoid paying a $25 monthly service fee. Customers can avoid the monthly fee by having over $75,000 in assets across Chase products.
To be fair, Chase does offer its Sapphire Banking customers some perks for the high monthly fees, such as no worldwide Chase bank business account reviews fees and commission-free trades through their J.P. Morgan YouInvest trading platform.
However, I highly doubt that those perks will outweigh the potentially thousands of dollars you can earn by investing the $75,000 on your own (check out this investment strategy post to learn more about my investment advice).
Out of Network ATM Fees
Chase charges high out-of-network ATM fees, with no reimbursement option.
So if you plan to travel throughout the U.S. or internationally and will need to use your debit card to withdraw cash, you’ll most likely have to pay a fee.
Overdraft and Late Fees
Chase charges $34 for overdrafts and around $39 for late credit card payments.
If you plan to bank with Chase and have a tendency to overdraft your account or struggle to pay your bills on time, you should definitely enroll in their Overdraft Protection service.
Where is Chase located?
Chase Bank is headquartered in Manhattan (no surprise there!) and has a physical presence in 30 states. The company’s main presence tends to be in the northeast. However, in recent years, Chase has been expanding throughout the U.S.
For example, in 2018, Chase opened its first retail branches in the Greater Boston and Greater Washington D.C., where they previously had no presence. Furthermore, Chase plans to add dozens of new branches across Georgia and Florida in the coming years.
Newcomers to Georgia and Florida who had previously banked with Chase in their prior states will no doubt welcome these new branches.
Is Chase Bank Right for You?
Personally, I like Chase for its convenience and wide range of services. In my experience, they’ve been very convenient for my checking and credit card accounts. I love their Ultimate Rewards portal in particular. It’s literally saved me tens of thousands of dollars on travel costs.
I don’t use them for investing or savings (I prefer services like Vanguard and Ally). While I don’t recommend taking out auto loans ever, if I were to need one, I would definitely inquire with my local Chase branch (or start the process online—which Chase has made very easy to do).
If you prefer to support your locally owned independent bank or one of the other big banks, that’s certainly your choice. I hope this review has helped make your decision easier.
Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
- Large footprint to service your banking needs – Chase Bank has more than 4,700 retail branch locations throughout the United States. Additionally, customers may access 16,000 Chase Bank ATMs at no additional charge. If a Chase Bank branch or ATM is not nearby, customers can access their accounts online or through its mobile app.
- Ability to waive checking fees – Customers are able to waive the monthly account fees by enabling direct deposit, carrying a minimum balance, or linking eligible accounts, depending on your account type.
- Popular credit cards with well-known brands – Chase offers a total of 30 credit cards from which to choose, 24 personal ones and six for small businesses. There are a variety of credit card options, depending upon your goal of cash back, travel rewards, or balance transfer.
- A limited number of branches in some states – Some states are underserved by Chase Bank. For example, nine states—Arkansas, Iowa, Maine, Mississippi, Montana, North Dakota, South Dakota, Vermont, and Wyoming—have one branch each, while Alaska and New Mexico have none.
- Minimum daily balance to waive fees – One option to waive fees is by keeping a minimum daily balance in your account at the beginning of each day. This may be harder to achieve compared with an average daily balance. If your balance falls below this minimum amount for one day during the month, you may be charged the monthly fee.
- 5/24 Rule for credit cards - Chase Bank has an unwritten rule for credit card approvals that is one of the most strict in the industry. If you’ve opened more than five new credit cards from any bank in the past 24 months, you will not be approved for most of its credit cards.
Who Is Chase Bank Best For?
Chase Bank is best for clients who live in states where the bank has clusters of branches. Chase Bank is ideal if for those who:
- Want a variety of deposit, lending, and investment options from one financial services company
- Are able to maintain the minimum daily balance or complete qualifying activities to waive fees
- Want to earn valuable rewards or cash back from their credit card purchases
- Desire a bank that can grow with them and offer premium features as your relationship grows
- Are looking for the security of a large financial institution that has many branches and ATMs across the U.S.
What Does Chase Offer?
As you might expect from a depository institution of its size, Chase Bank offers an extensive menu of accounts and services. Customers have access to multiple checking accounts, savings accounts, certificates of deposit (CDs), credit cards, and other lending products to meet their needs. The bank rewards customers who have multiple Chase products with better pricing and the ability to combine balances to waive fees.
Customers have several checking account options with Chase Bank. Each account has monthly maintenance fees unless you meet the criteria to waive them. The three most common accounts are the Chase Total Checking, Chase Premier Plus Checking, and Chase Sapphire Checking. The Premier Plus Checking account waives the $2.50 non-Chase ATM fee up to four times each statement cycle. The Sapphire Checking account waives ATM fees and reimburses fees that other banks charge an unlimited number of times.
Chase also offers additional niche checking accounts that cater to specific audiences. The Chase Secure Banking checking account has no minimum deposit, no paper checks, and does not charge for money orders or cashier’s checks. College students can get a free account for up to five years while in school with the Chase College Checking account, and it is only $6 per month after that if you don’t waive the fee with qualifying activities. Active and veteran members of the military can open a Chase Premier Plus Checking account with no fees or minimum balance requirements.
Customers with larger relationships may qualify for Chase Private Client. To qualify, you’ll need an average daily balance of $250,000 combined among your qualifying personal and business deposits and investments. As a benefit, there are no membership fees, monthly service charges, ATM fees, wire fees, and more. Additionally, you’ll receive higher limits on Chase QuickDeposit, Zelle payments, daily ATM withdrawals, and debit card purchases.
Chase gives consumers a few ways to waive their monthly checking account fees.
- Chase Total Checking – Make direct deposit of $500 or more each month, have a daily beginning balance of at least $1,500, or have an average beginning day balance of at least $5,000 in linked accounts
- Chase Premier Plus Checking – Have an average beginning day balance of at least $15,000 in eligible linked accounts or a qualifying linked Chase mortgage enrolled in automatic payments from this account
- Chase College Checking – No fees for five years while in college, then make a direct deposit each month or have an average ending day balance of at least $5,000
- Chase Secured Checking – Mandatory monthly fee
- Chase Sapphire Checking – Have an average beginning day balance of at least $75,000 in eligible linked accounts
- Chase Private Client Checking – No requirements to waive monthly fees because only available to Chase Private Client members
|Chase Bank Checking Accounts|
|Account Name||Min. Opening Deposit||Monthly Fee||Average Percentage Yield (APY)|
|Chase Total Checking||$0||$12||None|
|Chase Premier Plus Checking||$0||$25||0.01%|
|Chase College Checking||$0||$6||None|
|Chase Secure Banking||$0||$4.95||None|
|Chase Sapphire Checking||$0||$25||0.01%|
|Chase Private Client Checking||$0||None||0.01%|
Chase Bank offers two traditional savings accounts from which to choose. The Chase Savings account has only one interest rate for all balances, while the Chase Premier Savings account provides higher relationship rates for clients with larger balances. Customers who qualify for Chase Private Client status have access to the Chase Private Client Savings account, which also provides tiered interest rates that are based on how much is in your account.
Chase gives consumers a few ways to waive their monthly savings account fees.
- Chase Savings – Have a daily beginning balance of at least $300 or a monthly autosave of at least $25 from a Chase checking account, have a savings account linked to a Chase College Checking (for overdraft protection) or to an eligible Chase checking account, or be 17 or younger
- Chase Premier Savings – Have a daily beginning balance of at least $15,000 or be linked to a Chase Premier Plus or Sapphire checking account.
- Chase Private Client Savings – No requirements to waive monthly fees because only available to Chase Private Client members
|Chase Bank Savings Accounts|
|Account Name||Min. Opening Deposit||Monthly Fee||Annual Percentage Yield (APY)||Relationship Pricing APY|
|Chase Premier Savings||$0||$25||0.01%||0.02% if <$50,000|
0.03% if $50,000 to $99,999
0.04% if $100,000 to $249,999
0.05% if $250,000+
|Chase Private Client Savings||$0||None||0.02% if <$50,000|
0.03% if $50,000 to $99,999
0.04% if $100,000 to $249,999
0.05% if $250,000+
|0.02% if <$50,000|
0.03% if $50,000 to $99,999
0.04% if $100,000 to $249,999
0.05% if $250,000+
Chase Bank offers multiple CD terms ranging from one month to 10 years. With larger deposits you may benefit from higher interest rates on your CD. Customers may choose to have their CD interest paid monthly, quarterly, semiannually, annually, or at maturity.
To open a CD with Chase Bank, a $1,000 minimum deposit is required. CDs may be opened online access realty surf city north carolina in a branch. However, if you’d like to open a CD with a balance of $1 million or more, you must visit a branch and speak with a banker.
If you close your CD before the maturity date, you may incur a penalty. For CDs less than six months, the early withdrawal penalty is 90 days of interest; for CDs from six months to less than 24 months, the penalty is 180 days of interest; and for CDs with terms of 24 months or more, the penalty is 365 days of interest. For all terms, the penalty is not more than the interest earned during the current term of the CD. The minimum penalty is seven days’ interest.
|Chase Certificates Of Deposit|
Chase Bank offers a wide range of credit cards to suit customers’ goals. Choices include cash back and rewards credit cards for personal and small business customers. The rewards credit cards include numerous co-branded options with airlines, hotels, and other partners.
Additionally, Chase offers its own proprietary rewards program: Chase Ultimate Rewards. These points can be used to book travel, redeem for cash back, transfer to airline and hotel partners, and more.
Most credit cards from Chase Bank limit the ability to earn a bonus to once every 24 months from the date the chase bank business account reviews is received. Two exceptions are the Chase Sapphire Preferred and Reserve cards, which limit customers to one bonus once every 48 months.
Here are the cards available from Chase Bank:
General Travel Rewards Cards (Ultimate Rewards)
Co-Branded Rewards Credit Cards
Cash-Back Credit Cards
Business Credit Cards
Other Financial Products Offered by Chase Bank
In addition to the products listed above, Chase Bank has a wide range of other offerings to meet your needs:
- Car Loans
- Purchase Mortgages
- Refinance Mortgages
- Home Equity Lines of Credit (HELOCs)
- Individual Retirement Accounts (IRAs)
- Self-Directed Trading
- Managed Investment Portfolios
- Private Banking
- Financial Advisors
- Business Loans
Chase Bank Customer Service
Customers can discuss their accounts with Chase bankers in person at more than 4,700 branches. Branch hours may vary from state to state, and you can locate the nearest branch to you through the bank’s online branch locator.
Additionally, you can access your account over the phone, online, or through the mobile app outside of normal business hours. Secure messages can be sent to customer service 24/7 online or through the mobile app.
Telephone support hours vary based on which department you are calling. For personal banking and credit card inquiries, you may call 1-800-935-9935.
The Chase Bank mobile app provides a consolidated view of your relationship with the bank. Benefits include facial recognition and fingerprint sign-in, reviewing account activity, and instantly blocking credit card transactions if you’ve misplaced your card. You can also send and receive money through Zelle, pay bills, and deposit checks.
How to Bank With Chase Bank
If you’re ready to open a Chase Community 1st credit union routing number account, you can open one online or in one of the more than 4,700 branches across the U.S. For customers who already have a Chase account, you can open another account through its mobile app.
Chase Bank offers a wide variety of banking, lending, and investment products to its clients. It is the largest financial services company in the U.S., and that shows in its ability to provide products for a range of clients. Chase Bank is suited to a broad spectrum of clients, ranging from students to military veterans and from the average household to private banking relationships. Although its presence may not be robust in every state, customers can open and service accounts online or through its mobile apps. There are several choices when opening a checking account. The accounts do have monthly service fees, but they can be waived when you meet minimum balance requirements or by completing qualifying activities. Premium checking accounts also earn interest and waive some banking fees.
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