premier plus checking chase benefits

Chase Premier Plus Checking – Key Features · $300 sign-up bonus for new customers · Earns 0.01% APY on all balances · No monthly fees on linked. Chase Premier Plus Checking℠ Our Chase College Checking account has great benefits for students and new Chase customers can enjoy this special offer. Chase Premier Plus Checking account offers with Chase Military Banking benefits do.

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Premier plus checking chase benefits
Premier plus checking chase benefits
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Create memories with the
Disney® Visa® Credit Cards
from Chase

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Make it possible with the Disney Premier Visa Card

Make it possible with the Disney Premier Visa Card

$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

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DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

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10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

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$300

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening.1

This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Learn more

DISNEY
VACATION
SAVINGS

Get 0% Promo APRfor6 months on select Disney vacation packages from the date of purchase, after that a variable APR of 13.99% - 22.99%.2

Learn more

10%

Get 10% off select merchandise purchases of $50 or more at select locations and 10% off at select dining locations most days at Disneyland® Resort and Walt Disney World® Resort.345

Learn more


Disney Benefits with Disney Visa Credit Cards from Chase

Disney Benefits with Disney Visa Credit Cards from Chase

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

DISNEY VISA CREDIT CARD PERKS

  • Cardmembers save 10% on select purchases at shopDisney.com when you use your Disney Visa Credit Card.6
  • Cardmember photo opportunities at private locations at Disney Parks.37
  • Receive 10% off select dining locations most days at Walt Disney World® Resort and the Disneyland® Resort when you use your Disney Visa Credit Card.35

Learn more about Disney Visa Credit Cards

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

CELEBRATE 50 YEARS WITH WALT DISNEY WORLD® RESORT

Join in the 18-month salute to Walt Disney World® Resort’s 50th anniversary with our newest Disney Visa Card design featuring a golden castle in honor of The World’s Most Magical Celebration.8

See card designs

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning

HOW TO EARN

Disney Visa Cardmembers earn 1% in Disney Rewards Dollars on all credit card purchases. Disney Premier Cardmembers earn an additional 1% in Disney Rewards Dollars (for a total of 2%) on credit card purchases at gas stations, grocery stores, restaurants and most Disney locations.910

Learn more about earning


Ready to become a Disney Premier Visa Cardmember?

New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in
the first 3 months from account opening with the Disney Premier Visa Credit Card.1

Источник: https://disneyrewards.com/

Chase Checking and Savings Account Review

When shopping around for a bank, it’s important to find a financial institution you can trust. I know many of the top banks across the country can seem like they offer identical services, but each has slight distinctions — understanding more about each bank’s services and requirements could end up saving you money in fees and account balance minimums.

JPMorgan Chase is currently the largest bank in the country and has many great features and incentives worth considering. But is Chase a good banking choice for you? I’ll walk you through everything you need to know about America’s top bank to help you make a more informed decision.

What is JPMorgan Chase?

JPMorgan Chase is currently the largest bank in the United States in terms of consolidated assets. This FDIC-insured bank is one of the world’s oldest and most trusted financial institutions, beginning in 1799 as The Manhattan Company. Fans of the musical Hamilton might be interested in knowing that Aaron Burr, the political adversary who challenged and killed Alexander Hamilton in a duel, was the founder of The Manhattan Company.

Today, JPMorgan Chase has $2.6 trillion client assets under management, 100+ global markets, and over 250,000 employees. The U.S. consumer and commercial branch of JPMorgan Chase, Chase Bank, has over 4,910 bank locations across the country in a total of 33 states. Most of the bank’s locations can be found in New York, California, Texas, Illinois, and Florida.

Chase Bank offers a variety of financial services including personal checking and savings accounts, business and commercial banking, credit cards auto loans, home loans, investment management, CDs, home equity services, and prepaid cards. Although Chase is not located in every state, you can open an account online from anywhere in the U.S.

Chase Bank checking and savings accounts

Chase Bank has a large selection of checking and savings accounts to choose from split into three main categories: everyday banking, kids & students, and premium. You can apply for an account in person at a Chase bank or by visiting them at www.chase.com.

To set up a bank account, you’ll need to provide some personal information, including your Social Security number and Driver’s License information.

Chase checking accounts

The current Chase everyday accounts include:

  • Chase Total Checking - Best basic level Chase checking account for anyone living in a location with a Chase bank branch.
  • Chase Secure Banking - Best for anyone looking for a basic checking account with overdraft protection.
  • Chase Premier Plus Checking - Best for anyone carrying mid-to-high average daily balances looking for basic checking with a few extra services.

The current Chase kids & student accounts include:

  • Chase First Banking - Basic parent-owned account for kids 6 years and older.
  • Chase High School Checking - Best for kids 13 to 17 years old.
  • Chase College Checking - Best for college students aged 17 to 24 years old.

The current Chase premium accounts include:

  • Chase Sapphire Banking - Best for high earners looking for additional Chase credit cards and investing perks.
  • Chase Private Client - Best for anyone interested in personalized Chase investing services.

What I love about Chase’s checking accounts is the large selection available for all ages and income levels. I like that almost all of the student accounts have waived monthly service fees, and Chase offers clear ways to waive fees on most of their other accounts.

Chase savings accounts

Chase also offers two different savings account options for its customers.

The current Chase savings accounts include:

  • Chase Savings - Designed as a savings account for low to mid-level earners.
  • Chase Premier Savings - Best for high-earners who already have a Chase Premier Checking or Sapphire Banking account.

I was a little disappointed to find that Chase only offers two savings accounts, and really, only one that most people will be approved for. The basic Chase Savings account does not have an impressive interest rate either — clocking in at just 0.01% APY, a very low rate for some a top-level bank.

Overall, Chase’s checking accounts are more impressive than its saving accounts, so I would recommend securing a high yield savings account elsewhere.

Related:Best High-Yield Savings Accounts

Chase Bank fees

Chase Bank does have free checking and savings accounts for kids and college students. They also offer several ways to waive monthly fees for both everyday and premier checking accounts. While Chase offers a better selection than many competing national banks, I do wish there was a free monthly checking account for low-income earners who simply need basic checking.

What I do like about Chase’s checking accounts is that there is no minimum deposit requirement to open an account — a feature not all big banks offer. However, there are many hidden fees you’ll want to look out for.

Each Chase checking and savings account has its deposit requirements, monthly fees, benefits, and qualification criteria, which I’ll walk you through below.

Checking Account TypeMonthly FeeWaiver CriteriaMinimum Deposit Amount
Chase Total Checking$12$1,500/day, $5,000mo or $500/mo direct deposits$0
Chase Secure Banking$4.95no way to waive fees$0
Chase Premier Plus Checking$25$15,000/mo or enroll mortgage in Autopay$0
Chase First Banking$0N/A$0
Chase High School Banking$0N/A$0
Chase College Banking$6$5,000/mo or monthly direct deposits$0
Chase Sapphire Banking$25$75,000/mo$25

Chase Bank Features

Chase Bank offers a variety of features that set them apart from national competitors. Below are the most notable features to explore:

High sign up bonuses

Chase offers significant bank account bonuses to new customers and is often running checking offers and promotions throughout the year. At press time, through 11/23/2020, Chase is offering up to $500 in signup bonuses for a new checking account and new savings account customers.

New Chase checking customers can earn $200 cash back if you open a Chase Total Checking account and set up direct deposit transactions in its checking bonus offer.

OR

New Chase Savings account holders can earn $200 cash back through its savings offer if you deposit $15,000 or more within 20 business days of account opening, and maintain an average $15,000 balance for a 90-day statement period.

OR

Earn a $500 bonus amount if you open both of the above and follow the qualifying activities.

While this particular bonus offer has an expiration date, Chase frequently runs similar sign-up bonus promotions, so if you miss this one, you’re not completely out of luck.

Easy to use the website and mobile app

Banks need to have a digital presence to thrive these days, but that doesn’t mean that all digital banking apps and platforms run smoothly.

I like that Chase’s mobile app and website are intuitive, quick to navigate, and offer all of the features you could need from a digital bank. These digital tools make it easy to conduct banking transactions from anywhere, especially if you live in a state that does not have a Chase branch.

Easy to avoid monthly fees

While I wish Chase Bank did offer a base checking account with no monthly fee, they do make it easy to avoid monthly charges. First of all, if you’re a child or high school student, this monthly fee is automatically waived. I also like that students with a Chase College Checking account simply need to receive direct deposit each month, with no pay amount specified.

As for the basic checking accounts, I’m glad Chase only requires a $500 direct deposit amount to avoid the fee in its Total Checking option. Many comparable banks require $1,500 or more, which might be hard for some Americans to meet. I also like that the Premier Checking Account allows you to waive the monthly fee if you’re already a Chase mortgage customer enrolled in AutoPay.

Account tiers

Chase has a large number of checking accounts — 8 in total — that allow you to find the account that best matches your financial lifestyle. This also leaves you room to grow with Chase over time and upgrade to accounts that might better match your needs in the future.

Having dedicated high school and college student accounts with no or easily avoidable fees is also a big win in my book.

Who is Chase Bank best for?

New York, California, Florida, and Illinois residents

Chase offers a large selection of branches in these states, making it easy to find a brick-and-mortar location to visit if you need service. Having a Chase nearby (and all across your state) can also make managing ATM fees easier.

Existing Chase customers

Chase Bank often offers incentives to its existing customers. For instance, mortgage customers enrolled in Autopay can open a Chase Premier Checking account with no monthly fee. If you’re already a Chase loan, credit card, or investing customer, it’s worth looking into the offers available to switch to Chase’s banking services.

Students

The last thing a high school or college student should have to worry about is being charged additional fees to keep their money secured. Chase offers plans designed to help students take control of their money, without charging outrageous monthly fees or requiring high deposit amounts.

Who shouldn’t use CitiBank?

Anyone without direct deposit

If you aren’t currently paid by direct deposit, you can still use Chase Bank, but you’ll likely be locked into paying a monthly fee for checking services. Since there are so many free national, local, and online checking accounts on the marketplace, I would recommend turning to another banking establishment if you won’t receive monthly direct deposits.

Anyone looking for a high-yield savings account

Chase Bank shines when it comes to checking account options, but is lacking in the savings account department. With an annual APY of only 0.01% for its base savings account, I can’t imagine recommending this account to anyone looking to accrue interest on their money.

Chase Bank pros and cons

Now that you know a little bit more about Chase Bank and what it has to offer, I’ll walk you through a few specific pros and cons to consider before making a banking decision.

Pros

  • Rewards and bonuses. I know I talked specifically about Chase’s signup bonuses, but the perks continue if you’re a Chase credit card holder or loan customer. If you already have a financial relationship with Chase, there’s likely a checking account option designed to help you earn more rewards or rack up additional bonuses.
  • Standalone savings accounts. While I don’t love Chase Bank’s savings account options, they do allow you to open standalone savings accounts, without obligating you to become a checking account customer. This might be a consideration if you need a savings account and nothing more.
  • No minimum deposit requirements. Unlike many national banks, Chase does not require minimum deposits to open checking accounts, which is a major bonus.
  • Overdraft Protections. Although I don’t love Chase’s overdraft charges, I am glad that this bank offers overdraft protections that allow customers to link accounts and draw on funds in existing accounts to protect them from overdraft fees.

Cons

  • Monthly Fees. I wish Chase had a free checking account option for customers who aren’t students, but I will note that the fees are relatively easy to waive. If you can’t waive these fees, they are on the high side when compared to other national banks.
  • Poor savings account options. Chase only offers two savings accounts compared to its eight checking account options. Not only does this feel like a missed opportunity, but most Americans will likely only qualify for the base savings account, which won’t earn you nearly anything in terms or interest or perks.
  • Hidden fees. On the downside, Chase Bank does have hidden fees to look out for, such as overdraft fees and ATM fees. While most banks charge overdraft fees, Chase’s $34 per transaction (up to four per day) can add up if you don’t realize your account is overdrawn. Likewise, Chase has a $2.50 ATM fee for non-Chase ATMs.

Chase Bank vs. competitors

Now, I’ll show you how Chase Bank compares to some of its top competitors.

Chase Bank vs. Bank of America

Bank of America is one of Chase Bank’s oldest rivals. Both are national financial competitors offering accounts that may seem rather similar at first glance. However, there are some key differences you should be aware of.

Bank of America requires a minimum deposit of $100 to open a standard checking or savings account and also has slightly fewer branch locations in the U.S. than Chase Bank. Bank of America also charges a lower monthly fee than Chase and offers more ways to waive this fee.

Bank of America also offers higher interest rates on its base savings account (0.03% APY vs Chase Bank’s 0.01%). However, Bank of America does not have the sign-up bonuses Chase Bank offers.

Read a full review on Bank of America.

Chase Bank vs. Citibank

Citibank is another top name in the banking world and is a top competitor of Chase Bank. There are a few significant distinctions to understand between these two banks.

Both Chase Bank and Citibank offer a large selection of checking accounts, however, unlike Chase Bank, Citibank’s diverse selection mostly applies to higher-income and investing customers. Citibank also has a much smaller physical presence across the U.S., with only 700 physical branches.

However, in terms of savings accounts, Citibank blows Chase Bank out of the water. Citibank offers a high-yield 0.70% APY savings account option that makes Chase’s savings accounts forgettable.

Read a full review on Citibank.

Here’s a closer look at how these three banks stack up against one another:

Minimum DepositMonthly FeeSavings APYOverdraft FeeBranches
Chase$0$0 - $250.01%$34 per transaction (3 transactions per day)4,900
Bank of America$100$80.03%$35 per transaction (4 transactions per day)4,400
Citibank$0$4.50 - $300.04% - 0.70%$34 per transaction (4 transactions per day)700

FAQs

Can I open a Chase Bank account online?

Yes, you can open a Chase Bank checking or savings account online by visiting www.chase.com.

Does Chase charge for having an account?

Chase charges monthly fees on some of their accounts. You can avoid these fees by meeting specific direct deposit or balance requirements, being an existing Chase mortgage customer enrolled in AutoPay, or if you’re a high school student. Requirements vary across banking plans.

Does Chase require a minimum balance?

While Chase Bank’s checking and saving accounts do not have minimum balance requirements, obtaining a certain balance can waive monthly fees.

Can I open a Chase Bank account with an SSN?

Typically Chase Bank will require you to provide your Social Security Number (SSN) when opening a checking or savings account, however, you can use your Individual Taxpayer Identification Number (ITIN) instead.

The bottom line

Chase Bank has deep historical ties in the United States and has been providing banking services for centuries. Chase has a large selection of banks and ATMs across the country, but they are not located in every state. Chase does provide access to cutting-edge digital banking tools, which might make up for its lack of presence in some states.

Chase Bank might be the right fit for you if you’re already an existing Chase customer or if you like options when it comes to choosing a checking account. However, if you’re looking to earn interest or want a free checking account, I would consider researching local and online banking options first.

You can learn more about Chase Bank at www.chase.com.


Источник: https://joywallet.com/article/review-jpmorgan-chase/

Chase Premier Plus Checking Bonus: $300 Promotion (Available Nationwide)

Chase Savings Promotions

Find the latest Chase Premier Plus CheckingSMcoupon bonuses and new promotional offers here. The bonus amounts for this Checking account in the past have included $100, $200 and $300 offers.

Being one of the nation’s largest banks, Chase offers a wide selection of banking services available to consumers throughout AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NJ, NV, NY, OH, OK, OR, PA, TX, UT, VA, WA, WI, and WV.

For more Chase Checking coupons, definitely take a look at our list of Chase Bank checking offers.

Table of Contents

Chase Premier Plus CheckingSM $300 Bonus

Enjoy $300 as a new Chase checking customer, when you open a Chase Premier Plus CheckingSM account and set up direct deposit within 90 days of account opening. I’ll go in-dept on Chase Premier Plus checking account and saving account promotions for all your banking signup bonuses.

  • What you’ll get: $300 bonus
  • Eligible account: Chase Premier Plus CheckingSM account
  • Credit inquiry:Soft pull, which does not affect your credit
  • Where it’s available: Online  Nationwide  except  Alaska, Hawaii, and  Puerto  Rico (Bank Locator)
  • How to earn it: Open a new Chase Premier Plus CheckingSM account online and have a direct deposit made to this account within 90 days of account opening. There is no specified minimum direct deposit amount.
  • When you’ll receive it: After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
  • Monthly fee: $25, see below on how to waive

The information for the Chase Premier PlusSM account has been collected independently by BankCheckingSavings. The product details on this page have not been reviewed or provided by the bank.

The Chase Premier Plus CheckingSM account is a great account to have if you’re trying to decide which bank to earn interest with. Once you set a direct deposit to your Chase Premier Plus CheckingSM account within 90 days of account opening, your bonus will be deposited within 10 business days.

I’ll go over Chase Premier Plus Checking below.

How To Earn The $300 Bonus

HOW TO EARN BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
  • Open a new Chase Premier Plus CheckingSM Account online.
  • Have a direct deposit made to this account within 90 days of account opening. There is no specified minimum direct deposit amount.
  • After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
  • Important: If your Checking account is closed by you or by Chase within six months after opening, they will deduct the bonus amount at closing.
  • Chase Premier Plus CheckingSM: $25 monthly service fee; waived by
    • Have an average daily balance of $15,000 or more; or
    • Automatic payments linked to a qualifying linked Chase first mortgage
  • Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
  • Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
  • After you have completed all the above requirements, we’ll deposit the bonus in your new account within 10 business days. T
  • Interest rates are variable and may change.
  • Additionally, fees may reduce earnings on the account.
  • You can receive only one new checking account opening related bonus every two years from the last enrollment date and only one bonus per account.
  • Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

What Do I Need To Apply?

Whether you apply online or in branch, you’ll need to provide the following info to open an account:

  • Name
  • Date of birth
  • Address
  • Government-issued ID
  • Social security number — or passport for foreign applicants
  • Income information

How To Apply for the Chase Premier Plus Checking

You can open a Chase Premier Plus Checking account in person by visiting your local branch or online, by following these steps.

  1. Visit the Chase site and click Checking accounts.
  2. Click Open account under Chase Premier Plus Checking account.
  3. Fill in your personal information including your name, address and Social Security number, then click Next.
  4. Once your application is complete, you’ll need to fund the account.
  5. Submit your application.

Chase Premier Plus CheckingSMPros & Cons

  • Earn interest – Unlike many other checking accounts, this account pays interest
  • Minimal fees – You won’t pay fees for your first four out of network ATM transactions, Chase checks, money orders and more.
  • Visa debit – The account comes with a Chase Visa debit card with chip technology.
  • Convenient deposit methods – Deposit money at branches, ATMs, by mail, online or through the Chase mobile banking app using Chase QuickDeposit.
  • Security – Chase holds the best possible long-term financial ratings by all three major ratings agencies, and is FDIC-insured, meaning that deposits up to $250,000 are covered.
  • Bill pay – Make one-time or recurring payments for free when this your primary account to pay your bills.
  • Paper payments – Send free counter checks, money orders or cashier’s checks.
  • Monthly service charge – You’ll be charged a $25 monthly service fee, which is waived if any of the following apply to you:
    • Have an average daily balance of at least $15,000. This also includes linked qualifying deposit and investment accounts.
    • Be a member of the military.
    • Have auto pay for your Chase first mortgage linked to your Premier Checking account.
  • Insufficient funds fees – You’ll incur a $34 fee for each debit card purchase that overdraws your account, with a maximum of three per day. However, this fee doesn’t apply if any of these conditions apply:
    • Your account balance at the end of the business day is overdrawn by $5 or less.
    • Your purchase was for $5 or less, even if your end-of-day balance is overdrawn.
    • You made an ATM withdrawal.
  • Extended overdraft fees – Each time your account is overdrawn at least five business days in a row, you’ll be charged a $15 fee.
  • Limited locations –  Only operates in 28 states and Washington, DC.

Other Chase Checking Option

Chase Total Checking

• New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
• Access to 16,000 Chase ATMs and more than 4,700 branches
• Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
• Open your account online now
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
• Overdraft Services - no fee if you're overdrawn by $50 or less at the end of the business day*
• *We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

Conclusion

The Chase Premier Plus CheckingSM account is a great account to have if you’re trying to decide which bank to earn interest with. Once you set a direct deposit to your Chase Premier Plus CheckingSM account & your bonus will be deposited within 10 business days.

This account is great for your everyday needs  and in addition it  also earns interest. Avoid the $25 fee by maintaining  at least $15,000 across all your Chase accounts. Additionally, you will have instant access to a wide range of account features! How great is that?

Build your savings with the Chase SavingsSM account.

However, if you are not interested, then be sure to see our complete list of Bank Bonuses and Chase Bank Bonuses for all your banking needs!Check back often for all the latest Chase Premier Plus CheckingSM account bonuses and coupons.

Other Bank Offers You May Like

The Best Bank Offers are updated here. See the below pages to get started with some of the best offers:

• Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks.
• HSBC Bank Offers. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program.
• Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account.
• Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs.
• TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available.

Filed under: Bank Bonuses, Chase Coupons

Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

About Anthony Nguyen

Anthony Nguyen, founder of Bankcheckingsavings.com, has a passion for finding the best deals, bank promotions, credit card offers, cash back, points & miles, and everything in between. Contact Anthony for media/advertising.

Источник: https://www.bankcheckingsavings.com/chase-premier-plus-checking-bonus/

Here is a basic rundown of the types of fees charged for savings accounts, checking accounts, overdraft and more:

Savings Accounts

The basic monthly fee for a Chase saving account is $5. However, saving account fees are waived if you have a savings account that is tied to a Premier Plus or Premier Platinum checking account. You can also get the saving account fees waived if you have a minimum daily balance of $300 or more or if you have an automatic repeating transfer of $25 or more into the savings account each month. If you have a Chase savings account and you are under 18 years old, there is no monthly service fee.

Checking Accounts

Chase Total Checking accounts have a $12 monthly fee for everyone except students. Students pay a Chase monthly checking account fee of $6. Total Checking account fees can be waived if you have a daily balance of $1500 or more. You can also get the monthly fee waived if you have more than $500 in Direct Deposits each month into the account. The third way to avoid paying the monthly fee is to maintain $5000 or more in deposits or investments across several Chase accounts.

The Chase Premier Plus checking account comes with a $25 monthly fee. Customers can get that waived by maintaining a daily balance of $15,000. The monthly fee can also be waived if you have a Chase first mortgage and you are enrolled in automatic payments on that mortgage.

The monthly service fee for a Chase Premier Platinum account is also $25. That fee is waived if you maintain a daily balance of $75,000 or more.

Chase ATM Fees

Chase doesn’t charge an ATM fee if customers use any of the 16,000 network ATMs. There is a $2.50 fee per transaction to use any ATM that isn’t in the Chase network within the United States. Using an international ATM that isn’t in the Chase network will cost $5 per withdrawal and $2.50 for a balance inquiry or to transfer money. Those are on top of any fees that the ATM owner charges. The ATM withdrawal limit is $1000 per day.

Overdraft And Insufficient Funds Fees

Chase overdraft fees are $34 per item that is returned or has insufficient funds. Items that are less than $5 or overdraw the account by less than $5 won’t be charged the $34 fee. Up to three overdraft charges can be assessed per day. In addition to the $34 overdraft fee per item if the account stays overdrawn for more than five days there is an additional $15 charge every five days called an extended overdraft fee.

Penalties and Withdrawal Limits

If you have a Chase savings account there are withdrawal limits you need to know about. If you make more than six withdrawals from your savings account in a month, Chase will charge a $5 fee, and they will also automatically change your savings account to a checking account.

Источник: https://www.chime.com/bank-fees/chase-banking-fees/

Information about this product has been collected independently by the author. The issuer did not provide the details, nor is it responsible for their accuracy.

Chase Bank is one of the biggest banks in the country, offering everything from checking and savings accounts to credit cards to mortgages and auto loans. And with more than 4,700 banks and 16,000 ATMs across the U.S., Chase Bank offers one of the largest footprints of any bank.

In this review, we’ll check out Chase Bank’s options for checking and saving – including its certificates of deposit (CDs). Although this bank might not offer the high interest rates you’ll find with many of the online-only banks out there, there are plenty of perks to having a Chase account.

Chase Bank Review

Chase Bank logo

Product Name: Chase Bank

Product Description: Chase Bank is a full-service bank that can cover just about any banking, credit card, lending, or investment need. Chase offers account options for everyone from students, up through commercial banking, and everything in between. Chase Bank does not offer high interest rates with their savings accounts. However, the broad line of products and services and extensive network of branches make Chase an excellent everyday banking solution for many customers.

  • Products & Services
  • Interest Rates
  • Fees & Charges
  • Website / App
  • Customer Service

Summary

When it comes to Products & Services, Chase Bank probably offers what you’re looking for. You’ll find options for checking and savings accounts, as well as CDs. But the bank at large also offers loans, credit cards, investment banking, etc. Unfortunately, Chase Bank’s Interest Rates disappoint, and you can find better at many online-only banks. Chase Bank also charges relatively high Fees & Charges, although you can have them waived. The Website/App is easy to use, and you can contact Customer Service 24/7. You can also visit one of Chase’s many brick-and-mortar branches across the country.

Chase Bank Features

Chase BankFeatures
Banking Account TypesChecking, Savings, CDs, Credit Cards, Student Accounts, Investments
Other Account TypesAuto Loans, Home Loans, Small Business, Commercial Business
Minimum Required Deposit to Open AccountVaries by account
Number of Branches4,700+
ATM Network Size16,000+
ATM ReimbursementsNo
Remote DepositYes
App AvailabilityiOS, Android
Bill PayYes
Person to Person Money TransfersChase QuickPay With Zelle
Money TransfersACH, EFT, Wire Transfers (fees may apply)
Customer Service TypesPhone
Customer Service Hours24/7
Member FDICFDIC Certificate #628
Routing Number / ABA NumberVaries by location
Current PromotionsChase Bank has Several Current Promotions
See more Bank Promotions

Additional Features

  • FDIC Insurance. Each Discover Bank account is FDIC-insured up to $250,000.
  • All-in-One App. Chase’s mobile app is particularly good. In fact, you can use it to link up every single Chase account you may have, including car loans and credit cards. You can manage your entire Chase experience from one spot.
  • High School Checking. Start your kids off with a custodial checking account, available in-branch only. Chase also offers fee-free savings account for students, too.

What Is Chase Bank?

Chase Bank is the consumer banking subsidiary of JPMorgan Chase, one of the world’s largest banks. But its history stretches way back to the Manhattan Co., which Aaron Burr founded in 1799 to rival Alexander Hamilton’s Bank of New York (this bit got left out of the musical).

Today, JP Morgan Chase has more than $2.5 trillion in assets. And there are more than 25 million people who bank with Chase.

Chase Bank operates over 4,700 branches in 39 states, plus the District of Columbia. And it has more than 16,000 ATMs, making it the country’s largest single bank ATM network.

By all accounts, Chase Bank is among the largest and the highest-rated banks in the U.S.

How to Get Started With Chase Bank

Whether you apply online or in-person at a local branch, opening a Chase Bank account is easy. You’ll need to gather the following information:

  • Your Social Security number
  • Your driver’s license or state-issued ID
  • Your contact information such as your address, phone number, etc.
  • Information about your employment status
  • Money for your opening deposit

How much money you’ll need to deposit varies by the type of account you’re opening. Some accounts, including Chase’s checking accounts, don’t have an official minimum requirement for opening, but they carry monthly fees that can be waived by maintaining a certain balance in your account.

Funding Your Chase Bank Account. Obviously, you can fund your Chase Bank account by walking into any one of the more than 4,700 branches and depositing a check or cash. However, you can also initiate a bank-to-bank transfer online, deposit cash or checks into an ATM, or use the Chase app for QuickDeposit.

Chase Bank Account Options

Chase Bank Checking Accounts

Chase Bank offers several different levels of checking accounts, including a basic checking account, Chase Total Checking®, Chase Secure BankingSM, Chase Premier Plus CheckingSM, and the Chase SapphireSM Checking account.

Customers can avoid monthly service fees on most accounts in several ways, including by establishing direct deposit, or by maintaining minimum account balances in either their checking account or across all qualifying linked accounts.

Chase checking accounts feature debit cards and access to their network of ATMs and Chase branches. Customers can also use Chase’s online bill pay service, do simple banking by text, and deposit checks via mobile phone.

Chase Total Checking® – $225 Bonus for New Customers

The Chase Total Checking® account is one of the most versatile Chase checking accounts. New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit.

There is a $12 monthly fee, which can be waived by doing one of the following:

  • Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network, OR
  • a balance at the beginning of each day of $1,500 or more in this account, OR
  • an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances.

More details about the Chase Total Checking® account:

  • New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app – Manage your accounts, deposit checks, transfer money and more — all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Overdraft Services – no fee if you’re overdrawn by $50 or less at the end of the business day*
  • *We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

Chase Secure Banking – $100 Bonus for New Customers

The Chase Secure Banking checking account is a basic, no-frills checking account. There are no paper checks, no overdraft fees and no minimum balance to open. New Chase checking customers enjoy $100 when you open a Chase Secure BankingSM account with qualifying activities.

The Chase Secure Banking account features a $4.95 monthly fee. Unlike some of the other checking accounts, there is no method for waiving the monthly fees on this account, making the other checking accounts, such as the Chase Total Checking account, a better option as long as you meet the criteria to waive the monthly fees.

On the plus side, the Chase Secure Banking account helps customers avoid most fees on everyday transactions. There are no overdraft fees, no fees for cashing checks or paying bills online with Chase Online Bill Pay, no fees on money orders or cashier’s checks, and no fees for sending money using Zelle.

More details about the Chase Secure Banking checking account:

  • New Chase checking customers enjoy $100 when you open a Chase Secure BankingSM account with qualifying activities.
  • No minimum deposit to open, no fees for Chase OnlineSM Bill Pay, money orders, cashier’s checks or to send money
  • No paper checks to track
  • Just a simple $4.95 monthly service fee
  • Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
  • Bank with the Chase Mobile® app and Chase OnlineSM
  • Get helpful account alerts so you can monitor your balance and more.
  • No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

Open a Chase Secure Banking account at the Chase Website

Chase Premier Plus Checking

The next level of checking is Chase Premier Plus Checking This account offers all of the perks of the Total Checking account, plus a few others, including up to four non-Chase ATM fee waivers per statement period, free checks, and waived fees on Chase Savings accounts.

But the biggest reason to open a Chase Premier Plus Checking account is that it pays interest. How much you’ll earn may vary by location. However, the most common rate appears to be 0.01%. You can find better rates with an online-only bank (such as Ally Bank).

Premier Plus Checking accounts have a $25 monthly maintenance fee that can be waived by doing one of the following:

  • Keeping an average beginning day balance of $15,000 or more in any combination of this account plus linked qualifying Chase checking, savings, and other balances
  • Having a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase Premier Plus account

Chase Sapphire Checking

Chase Sapphire Checking accounts offer all of the benefits of a Chase Premier Plus Checking account, plus a dedicated 24/7 service line, worldwide free ATM usage, and no fees on foreign exchange rate adjustments, incoming or outgoing wire transfer, stop payments, and the first four overdrafts within 12 months.

You’ll also get free access to J.P. Morgan’s You Invest Trade online broker, which offers unlimited commission-free online stock, ETF, and options trades.

The monthly fee for this account is also $25 unless you can maintain an average beginning day balance of $75,000 more in any combination of this account plus linked qualifying Chase checking, savings, and other balances.

Chase Savings Accounts

Chase offers two savings accounts to customers.

Chase SavingsSM

Chase Bank’s basic savings account offers a flat interest rate on all balances. Unfortunately, as with most brick-and-mortar banks, the rate won’t be as great as the very high rates you’ll find with online-only banks like Ally Bank, CIT Bank, or Discover Bank.

Chase Savings accounts come with free overdraft protection and charge a monthly fee of only $5. However, you can easily avoid the fee by either:

  • Maintaining a beginning-day balance of $300 or more in the account; or
  • Scheduling a monthly recurring transfer of $25 or more from a Chase checking account

Visit the Chase website to open a Chase SavingsSM Account

Chase Preferred Savings

Chase Preferred Savings accounts offer tiered interest rates; the more money in your account, the better the rate you’ll receive (you can find your rate on the Chase website). Again, you will most likely find better interest rates at online-only banks.

Like the basic savings account, there’s a monthly fee associated with Premier Savings. You can have the $25 charged monthly waived by:

  • Keeping a beginning-day balance of $15,000 or more in the account; or
  • Linking a Chase Premier Plus Checking or Chase Sapphire Checking account

Chase CDs

Chase also offers certificates of deposit (CDs) that require a minimum deposit of $1,000. Term lengths vary, from one month to 10 years.

However, to be honest, the rates are underwhelming. You can find more attractive CD rates on our site.

Chase Bank Customer Service

Customer service is the biggest advantage of Chase Bank. If you like close to one of the 4,700+ brick-and-mortar branch locations, you can pop in during business hours and talk face-to-face with a representative.

Otherwise, you can phone up for support 24/7. And if you have a Chase Sapphire Checking account, you can have access to 24/7 service from a dedicated team.

Here are the contact details:

  • Chase Bank telephone number: 1-800-935-9935
  • Chase Bank address: National Bank By Mail, P.O. Box 6185, Westerville, OH 43086

Chase Bank Sign Up Offers

Chase Bank is currently offering several different sign-up bonuses for opening a new Chase Checking account. The bonuses vary depending on which account you open.

Chase SavingsSM — $150 Sign Up Bonus

  • You can earn a $150 bonus when you open a new Chase SavingsSM account and meet the minimum deposit and balance requirements.
  • Learn more about the Chase SavingsSM Bonus on the Chase Bank website.

Chase Bank Pros & Cons

  • Excellent Signup Bonus Offers. You can find powerful incentives to open an account (visit Chase website for more information).
  • Full-Service Banking. Chase Bank offers banking products and services for just about every need
  • Easy Access to Your Money. Chase Bank operates over 4,700 branches and more than 16,000 ATMs.
  • Great App and Website. We’ve found Chase’s mobile app and online banking site particularly user-friendly.
  • Business Banking. Chase Bank also offers business banking services covering your small business needs up through commercial business banking. Learn more in our Chase Bank Business Checking Review.
  • Poor Interest Rates. Chase Bank’s interest rates are not competitive with what you’ll find at many online banks.
  • Fees. Although you can have many account fees waived, there are a lot of online-only banks offer fee-free checking and savings accounts.
  • Conclusion

    Overall, Chase Bank meets most banking needs. I have been a Chase Bank customer for several years now and have been more than happy with the products and services.

    That said, there are a couple of considerations before opening an account: Chase Bank has a large footprint, with thousands of branches and a large ATM network. However, you won’t find a new branch in every state. They are currently in 39 of the 50 states.

    The other big downside is the low interest rates on their savings accounts. You can find much higher rates at an online-only bank.

    Chase Bank accounts are best for those who may be leery of online-only accounts and are willing to sacrifice high-yield interest rates for the convenience and comfort of old-fashioned in-person banking.

    As an alternative, you can always use Chase Bank for your full-service banking needs and use an online-only savings account to house your long-term savings or your emergency fund. This will give you the best of both worlds.

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    Источник: https://cashmoneylife.com/chase-bank-review/

    It looks like you are not the account holder. If a Citi account holder wants to grant you access to their account information, visit the Citi Developer Portal to try our APIs and contact our Open Banking Business Development Team

    Citi
    Источник: https://www.citi.com/

    It looks like you are not the account holder. If a Citi account holder wants to grant you access to their account information, visit the Citi Developer Portal to try our APIs and contact our Open Banking Business Development Team

    Citi
    Источник: https://www.citi.com/

    Chase – Premier Plus Checking With Chase Military Banking Benefits

    When you open a Chase Premier Plus CheckingSM account with Chase Military Banking benefits, you’ll have NO minimum balance requirement & NO $25 Monthly Service Fee!

    You’ve given your best to your country. Now, Chase is proud to give you our best — in the form of special benefits for current servicemembers and veterans of the U.S. Armed Forces. See your local Chase banker today for details.

    Primary Benefits – All Current Military Servicemembers and Veterans Presenting a Qualifying Military ID Receive:

    No $25 Monthly Service Fee
    No annual fee for 3″ x 5″ Safe Deposit Box or smaller (subject to availability, 20% discount on larger sizes)
    No Chase fee for the first four non-Chase ATM Inquiries, Transfers, and Withdrawals each statement period.1 Footnote
    No fee on Money Orders and Cashier’s Checks
    No Premier plus checking chase benefits Service Fee on:

    Two additional linked Chase Premier Plus Checking accounts
    Linked Chase Plus SavingsSM2 Footnote
    Linked Chase Liquid® Card3 Footnote

    Chase Mobile® Banking4 Footnote
    Chase OnlineSM Banking with Online Bill Pay5 Footnote

    Enhanced Benefits for Active Duty/Reserve Servicemembers with Direct Deposit of Military Base Pay6 Footnote :

    No Chase fee on all Non-Chase ATM transactions (Fees from the ATM owner still apply)
    No Chase fee on incoming or outgoing Wire Transfers
    No Chase fee for Exchange Rate Adjustments on debit card purchases or ATM withdrawals using your Debit/ATM card in currencies other than U.S. dollars

    See a banker to apply for an account today.

    Источник: https://www.yourmilitarydiscounts.com/directory/chase-premier-plus-checking-with-chase-military-banking-benefits/

    Chase Premier Plus Checking ( SM ) account now and earn interest on your balance. Get access to a variety of services with no additional fee. Additionally, the absence of a direct deposit waiver makes it a little harder to avoid the monthly fee.


    Chase premier plus checking

    Other articles from valuepenguin. Big banks tend to charge a lot of fees, so any chance you can get to save money is a good one. You can waive this fee in one of two ways: By maintaining an average daily balance of $ 10or more in just your Premier Plus Checking account or spread out amongst all of your Chase accounts.


    Does Chase have bank ATM that cash checks? Are Chase checking accounts free to open? If this offer and account interests you, retrieve your Chase Coupon today and apply! You’ll also be able to use our online banking, bill pay and mobile banking services, plus Chase DepositFriendly℠ ATMs nationwide.


    Chase premier plus checking

    You’ll need to show a government-issued I but as long as you have a permanent address, you should be able to open an account. The $3introductory bonus is only available to new Chase customers. You’ve given your best to your country.


    Now, Chase is proud to give you our best — in the form of special benefits for current servicemembers and veterans of the U. Keep an average daily balance of $10or more in any combination of qualifying Chase checkingsavings, and other balances. Receive a bonus of $2when you open a Chase savings account and deposit $10or more in new money within business days and maintain a balance of $10for days. This account has a higher service fee of $per month.


    The current interest rate paid on the balance of the account is 0. The Basics Minimum Opening Deposit A $25. Monthly Service Fee The Monthly Service Fee of $25. APY stands for annual percentage yiel rates may change). It’s especially worth considering if you’re already in the market for a new Chase checking account and want to take.


    Chase credit card holders will sometimes get these offers also. Chase Bank Premier Platinum Checking Account requires a minimum initial deposit of $1to open an account. Learn about the benefits of a Chase savings account online.


    Compare Chase savings accounts and select the one that best suits your needs. Chase Private Client customers qualify for $commissions on all online U. ETF and options trades. When you open a Premier Plus Checking SM account with your Military ID and present the coupon, you will have an opportunity to earn a $3bonus. All three accounts have fees between $and $2 access to ATM networks, online bill pay and mobile banking options. Must have direct deposit within days.


    It’s simply one of the best bank offers from Chase. Global financial institution that delivers Network investment. Total Checking option, will require a $minimum deposit to open an account. Financial capabilities and resources to assist you to advance. Charges for the former can be waived by having an average beginning day balance of $10or by.


    Chase premier plus checking

    The difference is that this account earns interest, and has less fees for common transactions. But this account also has much higher requirements for the monthly fee waiver than its entry-level counterpart. Like most banks, Chase keeps other account fees fairly similar for all its accounts, although.


    Earn a $2bonus by opening a new account with the Chase coupon code provided when you apply online. We see this Chase $6bonus a couple of times a year. The referral bonus is available to eligible personal checking account holders that hold the EMV-enabled debit and ATM cards.

    Источник: https://structurelegal.blogspot.com/2018/12/chase-premier-plus-checking.html

    Pros Explained

    • 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.

    Cons Explained

    • 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.

    Checking Accounts

    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 premier plus checking chase benefits, 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 NameMin. Opening DepositMonthly FeeAverage Percentage Yield (APY)
    Chase Total Checking$0$12None
    Chase Premier Plus Checking$0$250.01%
    Chase College Checking$0$6None
    Chase Secure Banking$0$4.95None
    Chase Sapphire Checking$0$250.01%
    Chase Private Client Checking$0None0.01%

    Savings Accounts

    Chase Bank offers two traditional savings accounts from which hsbc usa login personal banking 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 Average american savings 2020 Private Client members
    Chase Bank Savings Accounts
    Account NameMin. Opening DepositMonthly FeeAnnual Percentage Yield (APY)Relationship Pricing APY
    Chase Savings$0$50.01%0.01%
    Chase Premier Savings$0$250.01%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$0None0.02% 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+

    CDs

    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 or 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 jpmorgan chase access hr login 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
    TERM<$10,000$10,000to $99,999$100,000+
    One Month0.02%0.02%0.02%
    Two Months0.02%0.02%0.02%
    Three Months0.02%0.02%0.02%
    Six Months0.02%0.05%0.05%
    Nine Months0.02%0.05%0.05%
    One Year0.02%0.05%0.05%
    15 Months0.02%0.05%0.05%
    18 Months0.02%0.05%0.05%
    21 Months0.02%0.05%0.05%
    Two Years0.02%0.05%0.05%
    30 Months0.02%0.05%0.05%
    Three Years0.02%0.05%0.05%
    42 Months0.02%0.05%0.05%
    Four Years0.02%0.05%0.05%
    Five Years0.02%0.05%0.05%
    Seven Years0.02%0.05%0.05%
    10 Years0.02%0.05%0.05%

    Credit Cards

    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 bonus 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 Bank 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.

    Verdict

    Chase Bank offers a wide variety of capital one home loan calculator, 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.

    Methodology

    Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of banks. We collected over 20 data points across more than 80 banks—including products available, interest rates, fees, and accessibility—to ensure that our content helps users make the right decision for their savings and banking needs.

    Источник: https://www.investopedia.com/chase-bank-review-4845620

    Chase Premier Plus Checking Bonus: $300 Promotion (Available Nationwide)

    Chase Savings Promotions

    Find the latest Chase Premier Plus CheckingSMcoupon bonuses and new promotional offers here. The bonus amounts for this Checking account in the past have included $100, $200 and $300 offers.

    Being one of the nation’s largest banks, Chase offers a wide selection of banking services available to consumers throughout AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NJ, NV, NY, OH, OK, OR, PA, TX, UT, VA, WA, WI, and WV.

    For more Chase Checking coupons, definitely take a look at our list of Chase Bank checking offers.

    Table of Contents

    Chase Premier Plus CheckingSM $300 Bonus

    Enjoy $300 as a new Chase checking customer, when you open a Chase Premier Plus CheckingSM account and set up direct deposit within 5th third bank customer service phone number days of account opening. I’ll go in-dept on Chase Premier Plus checking account and saving account promotions for all your banking signup bonuses.

    • What you’ll get: $300 bonus
    • Eligible account: Chase Premier plus checking chase benefits Plus CheckingSM account
    • Credit inquiry:Soft pull, which does not affect your credit
    • Where it’s available: Online  Nationwide  except  Alaska, Hawaii, and  Puerto  Rico (Bank Locator)
    • How to earn it: Open a new Chase Premier Plus CheckingSM account online and have a direct deposit made to this account within 90 days of account opening. There is no specified minimum direct deposit amount.
    • When you’ll receive it: After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
    • Monthly fee: $25, see below on how to waive

    The information for the Chase Premier PlusSM account has been collected independently by BankCheckingSavings. The product details on this page have not been reviewed or provided by the bank.

    The Chase Premier Plus CheckingSM account is a great account to have if you’re trying to decide which bank to earn interest with. Once you set a direct deposit to your Chase Premier Plus CheckingSM account within 90 days of account opening, your bonus will be deposited within 10 business days.

    I’ll go over Chase Premier Plus Checking below.

    How To Earn The $300 Bonus

    HOW TO EARN BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
    • Open a new Chase Premier Plus CheckingSM Account online.
    • Have a direct deposit made to this account within 90 days of account opening. There is no specified minimum direct deposit amount.
    • After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
    • Important: If your Checking account is closed by you or by Chase within six months after opening, they how to activate my chase freedom credit card deduct the bonus amount at closing.
    • Chase Premier Plus CheckingSM: $25 monthly service fee; waived by
      • Have an average daily balance of $15,000 or more; or
      • Automatic payments linked to a qualifying linked Premier plus checking chase benefits first mortgage
    • Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
    • Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
    • After you have completed all the above requirements, we’ll deposit the bonus in your new account within 10 business days. T
    • Interest rates are variable and may change.
    • Additionally, fees may reduce earnings on the account.
    • You can receive only one new checking account opening related bonus every two years from the last enrollment date and only one bonus per account.
    • Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

    What Do I Need To Apply?

    Whether you apply online or in branch, you’ll need to provide the following info to open an account:

    • Name
    • Date of birth
    • Address
    • Government-issued ID
    • Social security number — or passport for foreign applicants
    • Income information

    How To Apply for the Chase Premier Plus Checking

    You can open a Chase Premier Plus Checking account in person by visiting your local branch or online, by following these steps.

    1. Visit the Chase site and click Checking accounts.
    2. Click Open account under Chase Premier Plus Checking account.
    3. Fill in your personal information including your name, address and Social Security number, then click Next.
    4. Once your application is complete, you’ll need to fund the account.
    5. Submit your application.

    Chase Premier Plus CheckingSMPros & Cons

    • Earn interest – Unlike many other checking accounts, this account pays interest
    • Minimal fees – You won’t pay fees for your first four out of network ATM transactions, Chase checks, money orders and more.
    • Visa debit – The account comes with a Chase Visa debit card with chip technology.
    • Convenient deposit methods – Deposit money at branches, ATMs, by mail, online or through the Chase mobile banking app using Chase QuickDeposit.
    • Security – Chase holds the best possible long-term financial ratings by all three major ratings agencies, and is FDIC-insured, meaning that deposits up to $250,000 are covered.
    • Bill pay – Make one-time or recurring payments for free when this your primary account to pay your bills.
    • Paper payments – Send free counter checks, money orders or cashier’s checks.
    • Monthly service charge – You’ll be charged a $25 monthly service fee, which is waived if any of the following apply to you:
      • Have an average daily balance of at least $15,000. This also includes linked qualifying deposit and investment accounts.
      • Be a member of the military.
      • Have auto pay for your Chase first mortgage linked to your Premier Checking account.
    • Insufficient funds fees – You’ll incur a $34 fee for each debit card purchase that overdraws your account, with a maximum of three per day. However, this fee doesn’t apply if any of these conditions apply:
      • Your account balance at the end of the business day is overdrawn by $5 or less.
      • Your purchase was for $5 or less, even if your end-of-day balance is overdrawn.
      • You made an ATM withdrawal.
    • Extended overdraft fees – Each time your account premier plus checking chase benefits overdrawn at least five business days in a row, you’ll be charged a $15 fee.
    • Limited one america news roku Only operates in 28 states and Washington, DC.

    Other Chase Checking Option

    Chase Total Checking

    • New Chase checking customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
    • Access to 16,000 Chase ATMs and more than 4,700 branches
    • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
    • Overdraft Services - no fee if you're overdrawn by $50 or less at the end of the business day*
    • *We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

    Conclusion

    The Chase Premier Plus CheckingSM account is a great account to have if you’re trying to decide which bank to earn interest with. Once you set a direct deposit to your Chase Premier Plus CheckingSM account & your bonus will be deposited within 10 business days.

    This account is great for your everyday needs  and in addition it  also earns interest. Avoid the $25 fee by maintaining  at least $15,000 across all your Chase accounts. Additionally, you will have instant access to a wide range of account features! How great is that?

    Build your savings with the Chase SavingsSM account.

    However, if you are not interested, then be sure to see our complete list of Bank Bonuses and Chase Bank Bonuses for all your banking needs!Check back often for all the latest Chase Premier Plus CheckingSM account bonuses and coupons.

    Other Bank Offers You May Like

    The Best Bank Offers are updated here. See the below pages to get started with some of the best offers:

    • Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks.
    • HSBC Bank Offers. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program.
    • Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account.
    • Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs.
    • TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available.

    Filed under: Bank Bonuses, Chase Coupons

    Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    About Anthony Nguyen

    Anthony Nguyen, founder of Bankcheckingsavings.com, has a passion for finding the best deals, bank promotions, credit card offers, cash back, points & miles, and everything in between. Contact Anthony for media/advertising.

    Источник: https://www.bankcheckingsavings.com/chase-premier-plus-checking-bonus/

    Chase Bank Review: Is a Big Bank Right for You?

    Chase Bank is a global banking powerhouse that claims to serve almost half of the U.S. population. Chase bank is a division of JPMorgan Chase & Co., which has over $2.6 trillion in assets. Chase has branches in cities across the U.S., and you can work with Chase entirely online. Read our in-depth review to see if Chase Bank is right for you.

    What We Like
    • Free checking available from a megabank (with fee waivers)

    • Almost 4,900 Chase-owned branches and 16,000 ATMs in the U.S.

    • Broad selection of bank accounts and credit cards

    What We Don't Like
    • Unimpressive interest rates for savings accounts and CDs

    • Potential monthly fees if you don’t qualify for a waiver

    • Limited branch presence outside of metropolitan areas

    Who Is Chase Bank Best For?

    Chase Bank may be attractive to those who prefer dealing with the resources of a megabank. The products and services available may appeal to anybody who wants to:

    • Use a free checking account—assuming you qualify for a waiver—with online bill pay, a debit card, and paper checks.
    • Minimize bank relationships (and passwords) by opening credit cards and checking accounts at the same institution.
    • Bank in person or use ATMs frequently.
    • Earn rewards for using a credit card.

    What Does Chase Bank Offer?

    Given the bank’s size, it’s not surprising that Chase Bank has a broad offering of products and services for both individuals and businesses. 

    • Savings accounts
    • Checking accounts
    • Certificates of deposit
    • Credit cards

    Chase Savings

    The Chase Savings account pays a small amount of interest, but the APY is unimpressive. As of Feb. 24, 2020, the account pays 0.01% APY, while the best high-yield savings accounts elsewhere pay more than 2.00%. This account has a $5 monthly fee, but you can qualify for a fee waiver if you meet any of the following criteria:

    • Keep your balance above $300 at the beginning of each day.
    • Save at least $25 per month from a personal Chase checking account or Chase Premier plus checking chase benefits card.
    • Link a Chase College Checking account, and use the savings account for overdraft protection.
    • You are under the age of 18.
    • Link this account to specific premium Chase checking accounts.

    Chase savings accounts allow for six withdrawals per month. No matter what type of withdrawal you make, including withdrawals from a teller or ATM, each transaction counts against your limit. After using up your six withdrawals, you pay $5 for each subsequent withdrawal in the month. 

    The Chase withdrawal limit is more stringent than what’s required by Regulation D limits under federal law (which doesn’t restrict certain withdrawals such as ATM and branch withdrawals).

    Chase Premier Savings

    The Chase Premier Savings account allows you to earn slightly more than the standard Chase Savings account, but the difference is small. To earn higher rates, you must keep a sizable balance in a Chase Premier Plus Checking or Chase Sapphire Checking account—and complete at least five transactions per month in those accounts.

    Chase Premier Savings has a $25 monthly maintenance charge, but you might qualify for a waiver if you do one of the following: 

    • Keep at least $15,000 in the account.
    • Open a linked Chase Premier Plus Checking or Chase Sapphire Checking account.

    Like the standard Chase Savings account above, withdrawal limits apply.

    Chase Total Checking

    Chase Total Checking is, according to Chase, the bank’s most popular checking account. With online bill pay and access through a mobile app, this account can easily satisfy the day-to-day checking needs of most people. Key features include:

    • Mobile check deposit
    • ATM check deposit
    • Paper checks
    • Zelle transfers to friends and family

    The Total Checking account has a monthly fee of $12, but you can qualify for a waiver by meeting any of the following requirements:

    • Receive direct deposits of at least $500 per month into your account (including ACH transfers from other banks).
    • Keep at least $1,500 in your account.
    • Keep at least $5,000 combined in eligible linked accounts and Total Checking.

    If this is your primary checking account, it can work as a free checking account (assuming you earn at least $500 monthly and set up direct deposit).

    Chase Premier Plus Checking

    The Chase Premier Plus Checking account pays a small amount of interest and provides a few freebies each month. But the interest earnings are negligible at 0.01% APY. If you really want to earn interest in a checking account, you’re probably better off with a high-interest checking account from an online bank.

    This account might be appealing to those who have a substantial relationship with Chase. To avoid the $25 monthly fee, you need to meet one of these criteria:

    • Keep your daily balance at $15,000 or higher in qualifying Chase Bank accounts.
    • Have a qualifying Chase mortgage that you pay from your Chase account.

    Chase Premier Plus Checking has all of the features of Total Checking. Plus, you receive a few perks, including the highlights below:

    • Four foreign ATM withdrawal fees waived per month (the ATM owner may charge fees, and Chase may charge extra when using a currency besides U.S. dollars)
    • Free basic personal checks, counter checks, money orders, and cashier’s checks
    • Potential monthly fee waivers on additional Chase checking and savings accounts
    • Free or discounted safe deposit boxes

    Chase Sapphire Checking

    Chase Sapphire Checking offers additional benefits, but the hurdle for banking fee-free is higher. In addition to 24/7 customer support and higher ATM and debit card limits, this account includes:

    • No ATM fees worldwide. Chase does not charge foreign ATM fees with this account, and you receive rebates on fees imposed by ATM owners, as well.
    • Interest on your balance
    • No wire transfer or stop payment fees
    • Four free overdrafts per year
    • Other perks and discounts on additional Chase services

    To qualify for a waiver of the $25 monthly fee, you must keep an average balance of $75,000 in eligible accounts or investments with Chase.

    Chase Secure Checking

    Chase Secure Checking is a no-frills account that may be appealing if you’re just getting on your feet financially. There are no paper checks with this account, but you can pay bills through online bill pay or with your debit card.

    • No minimum deposit required
    • No overdraft fees
    • $4.95 monthly fee

    Chase College Checking

    Chase College Checking is Chase Bank’s version of student checking. This account is designed for customers who open an account between the ages of 17 and 24. Although there’s a $6 monthly maintenance fee, there are several ways to qualify for a waiver:

    • Be enrolled in college (up to five years)
    • Have a monthly direct deposit into the account
    • Keep an average daily balance of at least $5,000

    If you link a Chase Savings account to this one for overdrafts, you’ll pay no monthly fees on the savings account. 

    This account might be an how do i activate my first premier bank credit card and affordable option for college students who spend their time studying, as opposed to earning income. 

    Chase High School Checking

    Want to help your children learn about managing a budget and saving money? The Chase High School checking account is available to kids between the ages of 13 and 17 and has no monthly fee. A parent or guardian with an eligible Chase Bank checking account must be a co-owner on the account, and the account converts to a Total Checking account when the child reaches age 19.

    Certificates of Deposit

    Chase Bank CDs require $1,000 to open, and you can choose a term ranging from one month to 10 years. Given that Chase Bank is a traditional brick-and-mortar bank, it’s not surprising that rates are somewhat low. To maximize your rate, be sure to qualify for a “relationship rate” with a linked checking account and a purchase of at least $10,000.

    These CDs are available for terms of 21, 24, 30, 36, 42, 48, 60, 84, and 120 months.

    Chase Bank CD Rates as of March 19, 2020
    Term$0-$9,999.99$10K-$24,999.99
    1- 2- or 3-Month0.02%0.02%
    6-Month0.10%0.20%
    9-Month0.10%0.20%
    12-Month0.02%0.02%
    15-Month0.05%0.15%
    18-Month0.10%0.20%
    21- to 120-Month*0.10%0.20%

    Like most banks and credit unions, Chase Bank charges early withdrawal penalties on CDS that vary with term length. If you cash out before the CD matures, Chase deducts the penalty, which reduces the amount you receive.

    Credit Cards

    Chase Bank has a rich lineup of credit cards. Whether you’re building up travel points, pursuing premier plus checking chase benefits back, consolidating debt, or running a business, you have numerous options to choose from. Several highlights include:

    Travel Rewards Cards

    Cash-Back Credit Cards

    Balance Transfer Credit Cards

    Business Credit Cards

    Other Financial Products From Chase Bank

    Chase Bank has a broad range of additional products and services:

    • Auto loans
    • Purchase mortgages
    • Refinance mortgages
    • Home equity loans
    • Home equity lines of credit (HELOCs)
    • IRAs
    • Self-directed trading
    • Managed investment portfolios
    • Financial advisers
    • Private banking
    • Business loans
    • Business checking accounts

    Chase Bank Customer Service

    Chase Bank earns high marks in customer satisfaction, in part due to customer service. The J.D. Power 2019 U.S. National Banking Satisfaction Study shows Chase Bank in first place, which isn’t surprising, given Chase’s resources. It makes sense that the bank would invest in technology, training, and staff to help clients keep their assets at Chase.

    Customer service is available by phone seven days per week from 6 a.m. to midnight Eastern time. Business accounts and private client relationships have 24/7 access.

    How to Bank With Chase Bank

    To open an account, visit Chase.com or go into a branch to open an account. If you have questions, call 1-800-935-9935. You’ll need to provide personal information when opening an account, which is normal (and required by law) for any financial institution in the U.S.

    The Bottom Line

    Benefits

    Chase Bank has the resources to offer a wide range of choices for businesses and consumers. If you earn at least $500 per month, there’s a good chance that you can use a checking account at Chase Bank with no monthly fee. You can also choose from a variety of credit cards that help you make the most of your spending. Chase Bank’s technology makes it easy to manage your accounts, and you can move money to other banks (if, say, you want to earn more interest) at no charge. Plus, you have access to branches in major metropolitan areas.

    Drawbacks

    Like many brick-and-mortar banks, Chase Bank pays miserable rates on savings accounts, CDs, and interest-bearing checking accounts. Plus, you could pay monthly fees on your bank accounts that add up to more than you earn in interest. If you keep more than a few thousand dollars in a savings account, it probably makes sense to open an online bank account elsewhere and keep your savings there.

    Источник: https://www.thebalance.com/chase-bank-review-4582097

    Chase Checking and Savings Account Review

    When shopping around for a bank, it’s important to find a financial institution you can trust. I know many of the top banks across the country can seem like they offer identical services, but each has slight distinctions — understanding more about each bank’s services and requirements could end up saving you money in fees and account balance minimums.

    JPMorgan Chase is currently the largest bank in the country and has many great features and incentives worth considering. But is Chase a good banking choice for you? I’ll walk you through everything you need to know about America’s top bank to help you make a more informed decision.

    What is JPMorgan Chase?

    JPMorgan Chase is currently the largest bank in the United States in terms of consolidated assets. This FDIC-insured bank is one of the world’s oldest and most trusted financial institutions, beginning in 1799 as The Manhattan Company. Fans of the musical Hamilton might be interested in knowing that Aaron Burr, the political adversary who challenged and killed Alexander Hamilton in a duel, was the founder of The Manhattan Company.

    Today, JPMorgan Chase has $2.6 trillion client assets under management, 100+ global markets, and over 250,000 employees. The U.S. consumer and commercial branch of JPMorgan Chase, Chase Bank, has over 4,910 bank locations across the country in a total of 33 states. Most of the bank’s locations can be found in New York, California, Texas, Illinois, and Florida.

    Chase Bank offers a variety of financial services including personal checking and savings accounts, business and commercial banking, credit cards auto loans, home loans, investment management, CDs, home equity services, and prepaid cards. Although Chase is not located in every state, you can open an account online from anywhere in the U.S.

    Chase Bank checking and savings accounts

    Chase Bank has a large selection of checking and savings accounts to choose from split into three main categories: everyday banking, kids & students, and premium. You can apply for an account in person at a Chase bank or by visiting them at www.chase.com.

    To set up a bank account, you’ll need to provide some personal information, including your Social Security number and Driver’s License information.

    Chase checking accounts

    The current Chase everyday accounts include:

    • Chase Total Checking - Best basic level Chase checking account for anyone living in a location with a Chase bank branch.
    • Chase Secure Banking - Best for anyone looking for a basic checking account with overdraft protection.
    • Chase Premier Plus Checking - Best for anyone carrying mid-to-high average daily balances looking for basic checking with a few extra services.

    The current Chase kids & student accounts include:

    • Chase First Banking - Basic parent-owned account for kids 6 years and older.
    • Chase High School Checking - Best for kids 13 to 17 years old.
    • Chase College Checking - Best for college students aged 17 to 24 years old.

    The current Chase apply for ein number irs accounts include:

    • Chase Sapphire Banking - Best for high earners looking for additional Chase credit cards and investing perks.
    • Chase Private Client - Best for anyone interested in personalized Chase investing services.

    What I love about Chase’s checking accounts is the large selection available for all ages and income levels. I like that almost all of the student accounts have waived monthly service fees, and Chase offers clear ways to waive fees on most of their other accounts.

    Chase savings accounts

    Chase also offers two different savings account options for its customers.

    The current Chase savings accounts include:

    • Chase Savings - Designed as a savings account for low to mid-level earners.
    • Chase Premier Savings - Best for high-earners who already have a Chase Premier Checking or Sapphire Banking account.

    I was a little disappointed to find that Chase only offers two savings accounts, and really, only one that most people will be approved for. The basic Chase Savings account does not have an impressive interest rate either — clocking in at just 0.01% APY, a very low rate for some a top-level bank.

    Overall, Chase’s checking accounts are more impressive than its saving accounts, so I would recommend securing a high yield savings account elsewhere.

    Related:Best High-Yield Savings Accounts

    Chase Bank fees

    Chase Bank does have free checking and savings accounts for kids and college students. They also offer several ways to waive monthly fees for both everyday and premier checking accounts. While Chase offers a better selection than many competing national banks, I do wish there was a free monthly checking account for low-income earners who simply need basic checking.

    What I do like about Chase’s checking accounts is that there is no minimum deposit requirement to open an account — a feature not all big banks offer. However, there are many hidden fees you’ll want to look out for.

    Each Chase checking and savings account has its deposit requirements, monthly fees, benefits, and qualification criteria, which I’ll walk you through below.

    Checking Account TypeMonthly FeeWaiver CriteriaMinimum Deposit Amount
    Chase Total Checking$12$1,500/day, $5,000mo or $500/mo direct deposits$0
    Chase Secure Banking$4.95no way to waive fees$0
    Chase Premier Plus Checking$25$15,000/mo or enroll mortgage in Autopay$0
    Chase First Banking$0N/A$0
    Chase High School Banking$0N/A$0
    Chase College Banking$6$5,000/mo or monthly direct deposits$0
    Chase Sapphire Banking$25$75,000/mo$25

    Chase Bank Features

    Chase Bank offers a variety of features that premier plus checking chase benefits them apart from national competitors. Below are the most notable features to explore:

    High sign up bonuses

    Chase offers significant bank account bonuses to new customers and is often running checking offers and promotions throughout the year. At press time, through 11/23/2020, Chase is offering up to $500 in signup bonuses for a new checking account and new savings account customers.

    New Chase checking customers can earn $200 cash back if you open a Chase Total Checking account and set up direct deposit transactions in its checking bonus offer.

    OR

    New Chase Savings account holders can earn $200 cash back through its savings offer if you deposit $15,000 or more within 20 business days of account opening, and maintain an average $15,000 balance for a 90-day statement period.

    OR

    Earn a $500 bonus amount if you open both of the above and follow the qualifying activities.

    While this particular bonus offer has an expiration date, Chase frequently runs similar sign-up bonus promotions, so if you miss this one, you’re not completely out of luck.

    Easy to use the website and mobile app

    Banks need to have a digital presence to thrive these days, but that doesn’t mean that all digital banking apps and platforms run smoothly.

    I like that Chase’s mobile app and website are intuitive, quick to navigate, and offer all of the features you could need from a digital bank. These digital tools make it easy to conduct banking transactions from anywhere, especially if you live in a state that does not have a Chase branch.

    Easy to avoid monthly fees

    While I wish Chase Bank did offer a base checking account with no monthly fee, they do make it easy to avoid monthly charges. First of all, if you’re a child or high school student, this monthly fee is automatically waived. I also like that students with a Chase College Checking account simply need to receive direct deposit each month, with no pay amount specified.

    As for the basic checking accounts, I’m glad Chase only requires a $500 direct deposit amount to avoid the fee in its Total Checking option. Many comparable banks require $1,500 or more, which might be hard for some Americans to meet. I also like that the Premier Checking Account allows you to waive the monthly fee if you’re already a Chase mortgage customer enrolled in AutoPay.

    Account premier plus checking chase benefits has a large number of checking accounts — 8 in total — that allow you to find the account that best matches your financial lifestyle. This also leaves you room to grow with Chase over time and upgrade to accounts that might better match your needs in the future.

    Having dedicated high school and college student accounts with no or easily avoidable fees is also a big win in my book.

    Who is Chase Bank best for?

    New York, California, Florida, and Illinois residents

    Chase offers a large selection of branches in these states, making it easy to find a brick-and-mortar location to visit if you need service. Having a Chase nearby (and all across your state) can also make managing ATM fees easier.

    Existing Chase customers

    Chase Bank often offers incentives to its existing customers. For instance, mortgage customers enrolled in Autopay can open a Chase Premier Checking account with no monthly fee. If you’re already a Chase loan, credit card, or investing customer, it’s worth looking into the offers available to switch to Chase’s banking services.

    Students

    The last thing a high school or college student should have to worry about is being charged additional fees to keep their money secured. Chase offers plans designed to help students take control of their money, without charging outrageous monthly fees or requiring high deposit amounts.

    Who shouldn’t use CitiBank?

    Anyone without direct deposit

    If you aren’t currently paid by direct deposit, you can still use Chase Bank, but you’ll likely be locked into paying a monthly fee for checking services. Since there are so many free national, local, and online checking accounts on the marketplace, I would recommend turning to another banking establishment if you won’t receive monthly direct deposits.

    Anyone looking for a high-yield savings account

    Chase Bank shines when it comes to checking account options, but is lacking in the savings account department. With an annual APY of only 0.01% for its base savings account, I can’t imagine recommending this account to anyone looking to accrue interest on their money.

    Chase Bank pros and cons

    Now that you know a little bit more about Chase Bank and what it has to offer, I’ll walk you through a few specific pros and cons to consider before making a banking decision.

    Pros

    • Rewards and bonuses. I know I talked specifically about Chase’s signup bonuses, but the perks continue if you’re a Chase credit card holder or loan customer. If you already have a financial relationship with Chase, there’s likely a checking account option designed to help you earn more first community bank harlingen tx or rack up additional bonuses.
    • Standalone savings accounts. While I don’t love Chase Bank’s savings account options, they do allow you to open standalone savings accounts, without obligating you to become a checking account customer. This might be a consideration if you need a savings account and nothing more.
    • No minimum deposit requirements. Unlike many national banks, Chase does not require minimum deposits to open checking accounts, which is a major bonus.
    • Overdraft Protections. Although I don’t love Chase’s overdraft charges, I am glad that this bank offers overdraft protections that allow customers to link accounts and draw on funds in existing accounts to protect them from overdraft fees.

    Cons

    • Monthly Fees. I wish Chase had a free checking account option for customers who aren’t students, but I will note that the fees are relatively easy to waive. If you can’t waive these fees, they are on the high side when compared to other national banks.
    • Poor savings account options. Chase only offers two savings accounts compared to its eight checking account options. Not only does this feel like a missed opportunity, but most Americans will likely only qualify for the base savings account, which won’t earn you nearly anything in terms or interest or perks.
    • Hidden fees. On the downside, Chase Bank does have hidden fees to look out for, such as overdraft fees and ATM fees. While most banks charge overdraft fees, Chase’s $34 per transaction (up to four per day) can add up if you don’t realize your account is overdrawn. Likewise, Chase has a $2.50 ATM fee for non-Chase ATMs.

    Chase Bank vs. competitors

    Now, I’ll show you how Chase Bank compares to some of its top competitors.

    Chase Bank vs. Bank of America

    Bank of America is one of Chase Bank’s oldest rivals. Both are national financial competitors offering accounts that may seem rather similar at first glance. However, there are some key differences you should be aware of.

    Bank of America requires a minimum deposit of $100 to open a standard checking or savings account and also has slightly fewer branch locations in the U.S. than Chase Bank. Bank of America also charges a lower monthly fee than Chase and offers more ways to waive this fee.

    Bank of America also offers higher interest rates on its base savings account (0.03% APY vs Chase Bank’s 0.01%). However, Bank of America does not have the sign-up bonuses Chase Bank offers.

    Read a full review on Bank of America.

    Chase Bank vs. Citibank

    Citibank is another top name in the banking world and is a top competitor of Chase Bank. There are a few significant distinctions to understand between these two banks.

    Both Chase Bank and Citibank offer a large selection of checking accounts, however, unlike Chase Bank, Citibank’s diverse selection mostly applies to higher-income and investing customers. Citibank also has a much smaller physical presence across the U.S., with only 700 physical branches.

    However, in terms of savings accounts, Citibank blows Chase Bank out of the water. Citibank offers a high-yield 0.70% APY savings account option that makes Chase’s savings accounts forgettable.

    Read a full review on Citibank.

    Here’s a closer look at how these three banks stack up against one another:

    Minimum DepositMonthly FeeSavings APYOverdraft FeeBranches
    Chase$0$0 - $250.01%$34 per transaction (3 transactions per day)4,900
    Bank of America$100$80.03%$35 per transaction (4 transactions per day)4,400
    Citibank$0$4.50 - $300.04% - 0.70%$34 per transaction (4 transactions per day)700

    FAQs

    Can I open a Chase Bank account online?

    Yes, you can open a Chase Bank checking or savings account online by visiting www.chase.com.

    Does Chase charge for having an account?

    Chase charges monthly fees on some of their accounts. You can avoid these fees by meeting specific direct deposit or balance requirements, being an existing Chase mortgage customer enrolled in AutoPay, or if you’re a high school student. Requirements vary across banking plans.

    Does Chase require a minimum balance?

    While Chase Bank’s checking and saving accounts do not have minimum balance requirements, obtaining a certain balance can waive monthly fees.

    Can I open a Chase Bank account with an SSN?

    Typically Chase Bank will require you to provide your Social Security Number (SSN) when opening a checking or savings account, however, you does chase do auto loans use your Individual Taxpayer Identification Number (ITIN) instead.

    The bottom line

    Chase Bank has deep historical ties in the United States and has been providing banking services for centuries. Chase has a large selection of banks and ATMs across the country, but they are not located in every state. Chase does provide access to cutting-edge digital banking tools, which might make up for its lack of presence in some states.

    Chase Bank might be the right fit for you if you’re already an existing Chase customer or if you like options when it comes to choosing a checking account. However, if you’re looking to earn interest or want a free checking account, I would consider researching local and online banking options first.

    You can learn more about Chase Bank at www.chase.com.


    Источник: https://joywallet.com/article/review-jpmorgan-chase/
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