Chase Bank Logo
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5.8

Overall Score

Author: Kaitlyn Short

LAST UPDATED: May 15th, 2024

Chase bank has withstood the test of time. Since its founding in 1799, Chase has spread across the country to most of the 50 states and also has assets around the world. The New York-based bank offers several services from savings plans to business checking accounts. A U.S. consumer and commercial banking business of JPMorgan Chase & Co., Chase has assets of $2.6 trillion and operations worldwide. Customers can choose to go to any one of the 5,500 branches or visit Chase online or by phone to conduct their business. 

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The Good

  • Global Locations
  • Online Banking
  • Chase App

Locations Globally

Chase Bank provide information through their website and do have a chase bank mobile app for the phone. Found JPMorgan Chase community on Facebook as well as one Chase bank in Arizona, but due to the size of the bank I was expecting to find them on instagram, twitter, and facebook as a complete entity. There are not many ways to review customer complaints and resolutions on social media. They are a global bank so if you do a lot of traveling they are found in more than 60 countries. Services provided are:

  • banking for savings, checking, and CD accounts
  • investments and retirement plan
  • mortgage for homes
  • loans for automobiles, students, and home equity
  • consumer and commercial finance services

The New York-based bank also offers insurance protection and college savings plans.

Online Banking

Chase also offers online banking as well as mobile banking. Chase mobile banking is available for both Android and Apple users. Chase promises the following:

  • Secure access: Spend less time banking and more time living, with some of today's most advanced encryption technology.
  • User-Friendly: It takes just a few simple swipes to master the Chase Mobile App.
  • Flexible: Deposit checks securely from your mobile phone or tablet virtually anywhere.

Chase App

By choosing to use the Chase app, customers can take advantage of the several features including:

  • Pay bills
  • Deposit checks
  • Pay your Chase credit card
  • Transfer money
  • Pay others easily
  • Wire money
  • See account balances
  • See reward information

They have a feedback button on their page where consumers may list any complaints they have with the layout of the site. If there are any problems with accounts consumers must contact customer service. Can contact customer service 24 hours 7 days a week.

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The Bad

  • Various Fees
  • Maintenance Fee

Various Fees

Fees for checking accounts are as follows:

  • Account set up fee of $25 for 3 basic checking accounts and $100 for their premier platinum checking account.
  • monthly maintenance fee of $12, $25 or $35 (depending on what state you are in), or $6 (college students)
  • Overdraft fee of $34 dollars
  • Other common fees

Maintenance Fee

Two saving accounts offer different interest rates. For Chase savings there would be a $5 monthly maintenance fee unless you meet certain requirements of minimum deposit, minimum transaction, or age. The interest rate is only .01% for this account. For Chase plus Savings there would be a $20 monthly service fee unless again you have a minimum balance of 15,000 in account or have other premier services with the company. Interest rate for savings account changes with balance in savings account They also do not offer insurance as a service.

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The Bottom Line

Chase bank has proven that it can stand the test of time and adjust its services to meet the needs of today's customers. Since 1799, Chase has grown to provide a variety of services including online banking, mobile banking, auto loans and home loans. Chase's growth has led to increase in assets of $2.6 trillion and operations around the world. Customers who face difficulties when using Chase services may not find their issues resolved. Our recommendation: No bank stays in business for more than 200 years without services that are effective. Chase has withstood the test of time. If you're looking for a comprehensive service from loans to online banking, Chase may be your best choice. JPMorgan Chase is a global bank that offer services around the world. This bank would also be beneficial for commercial businesses that need services national and global. Provide high saving interest rates for those with high income and great services for those on chase premier platinum checking.
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Star Rating

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4.2

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225 Reviews

Review Breakdown

5 grade

56%

4 grade

23%

3 grade

9%

2 grade

4%

1 grade

8%

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Tabyoungco2008 Atlanta, GA

I have been with Chase bank for over 10 years. On July 17, 2020 I was a victim of scam. I respond to an ad on Craiglist of a house for rent. I paid the scammer $2585.00 total. It felt legitimate be cause I had to file out an application, received a leasing agreement, and the keys. Later that day, I found out he was not the owner and did not no him. I called Chase while the transaction were still processing. They refuse to cancel the transaction or give me a refund. They said I had to contact CashApp since the transaction were through them. CashApp stayed they will not refund it either. I am highly disappointed in Chase. They could of cancel the pending transaction. Now I’m out of $2,585.00 and have no place to stay. They do not protect there consumers and protect the criminals.

4 years ago Edited September 14, 2021

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Sunday Rottler

I use their bill pay. They usually send checks, however for no particular reason claim they sent a few payments to one merchant electronic. Merchant claims they never received payment. Chase claims they sent it. Have to repay a total of $520.00. Issue hasn't been resolved in now six months. Has finally moved to executive office, and feet are being dragged. Walked into my local branch several times. One banker looked into the situation and claimed it was in fact a Chase error, but not retracted that to it must have been. Also have a mortgage with them. They are constantly raising my payments claiming more money is needed for the escrow account. Their claims are unfounded. Yet they have the power. Very unethical greedy business practices. They will take you to the bank literally!

6 years ago

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Todd J Smeltzer Chandler, AZ

So, I've been paying on my auto loan with Chase Bank for three years now, never missing a single payment, just got hit with multiple unexpected bills, like an auto repair job. I asked for a deferment of this months bill, that they could place at the end of the loan, meaning they would also get extra interest on this loan as well. They told me I did not qualify and when I asked what was the reasoning for this decision they would not give me a reason. I will be contacting my credit union at the end of this review to transfer my loan over to them, and dumping Chase Bank forever. I am totally finished with big banks from this point on!

6 years ago

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Matar Estikangi 2 Austin, TX

Worst bank ever, closed my account because of missing information without even letting me know. They didn't email, call, text or mail. Closed the account and waited for me to notice, I wasted hours on the phone trying to understand what they need from me, all they have to say is I should reapply. I had amazing credit, they waisted my time and ruined my credit now as well. STAY AWAY!

1 year ago

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Cassidy Gundersen Orem, UT

I will never open a bank account with Chase! My husband and I tried to open a joint account when we were first married and it was awful! Their system crashed on us twice while we were sitting with a representative. On the third time, we got all the way to the end and signed all the paperwork, and then when the rep was entering in one final piece of info, their system crashed AGAIN!!! After sitting there for almost two hours, we walked away empty handed. For a publicly traded company, you’d think they’d have a system that works.

7 years ago

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Tj Black South Jordan, UT

I needed to cash a check a customer had paid me with. I dident have an account at Chase bank. Chase bank wanted my social security number and personal information just to cash the check.. on top of that they wanted to keep $5 to do the transaction.

5 years ago

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James E Staley

The Customer Service is in the Philippines and when I ask for someone in the USA USA they call me a Stupid American and then they hang up on me. They do not even know the Correct date and time in the USA and the different states!!

6 years ago

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Danielle Syracuse, UT

As an employee from a company who uses Chase daily, i've been very disappointed in how they treat me, a customer. I bring business from 10 different accounts, and everytime i walk in to make a deposit, i get treated like im in the wrong for bringing in so many deposits. I've been tempted MANY times to change banks.

7 years ago

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Natasha Salt Lake City, UT

I lost a lot of money because of fraud that they didn't protect me from, even though I had a protection set up to prevent that. Will never recommend them, or go back to them if it was my only choice.

7 years ago

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Doyal Stewart Salt Lake City, UT

Used Chase briefly, I was not a big fan of all of their minimum requirements. I like my banking to be a lot more simple. I don't want to have to worry about extra fees for random things. I eventually just closed my account.

7 years ago

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JS

As a Chase private client they made it extremely difficult to transfer my brokerage account into Chase from a national broker

5 years ago

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Clemmie & Mandy Johnson San Jose, CA

I think Chase is a rip. Their fees are ridiculous. They charge too much and have no sense of customer service!!!

1 year ago

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Taylee Warner Riverton, UT

I used this bank while out of the country and hated it. It costed so much money to withdrawal from the atms.

5 years ago

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Stephenie Spangler Draper, UT

Husband closed account 2 years ago. Chase let a monthly charge continue unknown to us. Are difficult to work with trying to resolve.

7 years ago

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Alicia Salt Lake City, UT

Won't help to find out who is taking money out of your acount

7 years ago

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Steve

Their customer service sucks. Their people skills suck.

6 years ago

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Eric

Horrible ethics and inability to work with customers

6 years ago

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Jeff Martin Layton, UT

These guys are crooks, especially with home mortgage loans.

7 years ago