Chase Bank Review 2026: Pros, Cons, And Alternatives

One of the most well-known banks in the US is definitely Chase Bank. They have branches in practically every city and town and offer a broad range of One of the most well-known banks in the US is definitely Chase Bank. They have branches in practically all products and services for both people and businesses. Chase Bank Review 2026

But how good is their bank? Should you think about using them?

Let’s take a closer look at Chase Bank and see how they stack up against the finest online banks. If you’re considering Chase for your business, compare it to the best business checking accounts. Chase Bank Review 2026

The College Investor has gathered all of the information regarding Chase on its own. Chase has not looked over or agreed to the information in this article. Chase Bank Review 2026

Bank?

Chase Bank, also known as JPMorgan Chase Bank, is the largest banks in the United States by assets. It currently holds around $3.7 trillion (almost $1 trillion more than the runner-up, Bank of America).  Chase Bank Review 2026

It has a large network of ATMs and physical branch locations. Chase Bank is also a full-service bank offering a full range of deposit and loan products.

Chase Bank stands out with its extensive offerings. It offers every kind of account, and typically has some sweet incentives to become a customer.

Where it’s a tough sell is the fees and interest rates. Most products at Chase have monthly fees (which can be waived), and their interest rates on products are not competitive.

What Do They Offer?

We’re going to look at the deposit products offered by Chase Bank. But they also offer a wide range of products and services, including business accounts.  Chase Bank Review 2026

Checking Accounts

There are eight different checking accounts, including three accounts for kids and students. See how their checking accounts compare on this list of the best free checking accounts.

There is a $15/month maintenance fee with Chase Total Checking®, but it’s waived if you’re able to meet one of the following requirements:

• 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 or FedNow℠ network, (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.

With the exception of the monthly fee, don’t expect to be able to waive many other fees (such as out-of-network ATM fees or check fees) with this account. Chase Bank Review 2026

Chase Premier Plus Checking

There is a $25/month fee but it is waived for the following:

• Beginning daily balance of $15,000 total in your Chase accounts
• Linked first mortgage enrolled in automatic payment

The fee is also waived for military members, which makes this account one of our top picks for best military checking accounts.

You get four non-Chase ATM fee waivers per statement period. Chase Bank Review 2026

Chase First Banking℠

Chase First Banking℠ is a parent-owned account that can be owned for kids that are between the ages of 6 and 17. It has no monthly fee and allow kids to spend money with a debit card.

But this account is also very limited. Services that are unavailable with this account include:

• Cash or check deposits
• Zelle®
• Chase QuickDeposit
• Direct deposit
• Chase overdraft services
• Check Writing
• Wire transfers (incoming or outgoing)
• ACH transactions (deposits and withdrawals)

The only way to fund your child’s Chase First Banking account is by transferring money from the parent’s linked Chase account. While limiting, these restrictions are ultimately in place to protect kids from making big financial mistakes or being advantage of. Chase Bank Review 2026

Chase High School Checking℠

Chase High School Checking℠ accounts can be opened for teens ages 13 to 17.

Again, these accounts are co-owned by parents and have no monthly fees. But while Chase First Banking accounts can be opened online, you’ll need to visit a branch to open a Chase High School Checking account.

The other main difference between this account and Chase First Banking is that the training wheels are taken off regarding what your teen can do with this account. It gets the same deposit and withdrawal options that are included on adult accounts. Chase Bank Review 2026

Chase Sapphire Checking

There is a $25/month fee but it is waived if you have $75,000 total in your Chase accounts. There are no ATM fees worldwide.

Chase Private Client Checking

This account has a $35 monthly fee. To have it waived, you’ll need to have an average daily balance of $150,000 or link a Chase Platinum Business Checking account.

Again, this account has no ATM fees worldwide. Additional perks include the ability to work with a dedicated Private Client Banker and discounted rates on Chase mortgages and auto loans.

One of the key advantages of becoming a Chase Private Client is the opportunity to work with a dedicated J.P. Morgan Private Client Advisor. You can receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities. Chase Bank Review 2026

Check out Chase Private Client here >>

Savings Accounts

Chase savings accounts earn very low interest and can incur fees if certain criteria are not met. Each savings account allows six withdrawals per statement. After that, there is a $5 Savings Withdrawal Limit Fee for each withdrawal.

Chase has never made our list of the best savings accounts. But you can see which banks do here: Best Savings Accounts. Chase Bank Review 2026

Chase Savings℠

You can earn up to $150 by opening a Chase Savings℠ account. There is a $5/month fee but it is waived if you have a $300 beginning daily balance, do one $25 transfer from a Chase checking account, or link with certain Chase accounts. The APY is a dismal 0.01%

Chase Premier Savings

There is a $25/month fee but it is waived if you have a $15,000 beginning daily balance, do one $25 transfer from a Chase checking account, or link with certain Chase accounts. You’ll earn 0.01% with a standard account or 0.02% with a linked Chase Premier Plus Checking℠ or Chase Sapphire℠ Checking account. Chase Bank Review 2026

CDs

Even Chase CDs pay low interest compared to many other banks. Yields go up as CD terms and the CD balances increase. Starting with a 1-month CD, the yield is 0.02% and maxes out at just 0.05% for a 120-month CD with a $10,000+ balance and a linked account that can get you a “relationship rate.” Chase Bank Review 2026

Business Accounts

Chase is a strong player in the business banking space.

Chase is one of the largest brick-and-mortar banks in the United States. And, as a result, if you’re looking for a local business bank, chances are Chase will be nearby. Also, if your business does a lot of cash transactions, it can be helpful to have a business bank with a branch (versus the fully mobile solutions that are becoming more popular). Chase Bank Review 2026

The Chase Business Complete Banking^® is one of the more popular business checking account options because Chase has a huge number of branches and great service. It isn’t truly free unless you meet the minimum monthly requirements to make it so, but we list it as a top business checking account because it’s available nationwide, has branches nearly everywhere, and is one of the most robust banking products out there currently. Plus, the minimum requirements are super easy to meet – check it out.

So be aware that if you plan to use Chase for business banking, you may be very disappointed by the experience in even getting started.

Chase Bonus And Promotional Offers

Right now, Chase has the following promotions: Chase Bank Review 2026

Up To $3,000 With Chase Private Client Checking ℠

Chase Private Client Checking℠ is the top of the line Chase offering for customers. You get to experience a banking relationship that beings you more, including a team dedicated to you, no ATM fees worldwide, no Chase fees on incoming or outgoing wire transfers, and more.

And right now, you can get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals. Chase Bank Review 2026

Right now, you can earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+.

Learn more about Chase Private Client here.

Up To $500 With Chase Business Complete Banking^®

The Chase Business Complete Banking^® is one of the more popular business checking account options because Chase has a huge number of branches and great service. It isn’t truly free unless you meet the minimum monthly requirements to make it so, but we list it as a top business checking account because it’s available nationwide, has branches nearly everywhere, and is one of the most robust banking products out there currently. Plus, the minimum requirements are super easy to meet – check it out.

You can currently earn $500 with a deposit of $10,000 in new money, or $300 with a minimum deposit of $2,000 in new money. Deposits must be made within 30 days of offer enrolment, and that balance must be maintained for 60 days from offer enrolment.

You must also complete 5 qualifying transactions within 90 days of offer enrolment. Chase Bank Review 2026

Check out Chase Business Complete Banking®

$400 With Chase Total Checking^®

The Chase Total Checking® is one of our favourite checking accounts because it’s available nationwide online, has branches nearly everywhere, and is one of the most robust banking products out there currently. Chase Mobile® app makes banking simple. You can manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.

And right now, you can get up to a $400 bonus when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment. That’s awesome! Chase Bank Review 2026

Chase Total Checking® has a $15 per month fee that’s easily waived if you simply do ONE of the following:

• Keep a minimum daily balance of $1,500 or more in your account each day
• Have monthly qualifying electronic deposits totaling $500 or more into your account
• Keep an average daily balance of $5,000 across qualifying linked Chase accounts

Learn more about Chase Total Checking® here.

$125 With Chase High School Checking ^℠

Chase High School Checking^SM allows teens to open a checking account at a full-service bank. Accounts have to be opened in a branch, but teens with an account can also open a fee-free savings account at Chase. When your teen is under 19 years old, the account allows parents to monitor spending and set up transaction alerts.

When your child turns 19 years old, the account converts to a Chase Total Checking account. By that time, teens should have solid financial habits in place.

To get started, a parent or co-owner of the account must be present at account opening. There is a $0 monthly service fee for this account.

And right now, you can get up to a $125 bonus when you open the High School Checking account in branch with your 13-17 year old by 04/15/2026, and then your teen needs to complete 5 qualifying transactions within 60 days of high school coupon enrollment. That’s awesome! Chase Bank Review 2026

Open an account here >>

$125 With Chase Secure Banking ℠

The Chase Secure Banking℠ is a solid basic checking account option that doesn’t do any type of credit or banking score check. It does have a monthly fee, but if you need a solid banking option, it could be worthwhile.

Chase Secure Banking℠ has a $4.95 Monthly Service Fee or $0 when you have $250+ in qualifying electronic deposits during each monthly statement period.