About Chase
JP Morgan Chase, more commonly known as just Chase, can trace its history back to 1799 with the founding of the Chase Manhattan Company. In 2000, it merged with JP Morgan & Company to become JP Morgan Chase. It is the largest bank in the US and the world by market capitalization and one of the largest by assets in the world, with $3.9 trillion in total assets. Chase operates more than 4,700 bank branches and 17,000 ATMs in the U.S. and has offices in more than 100 countries.
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Chase Bank Overview
Chase is a great option if you like having the convenience of working with a bank with a large network of branches and ATMs, as the bank has more than 4,700 branches and 17,000 ATMs in its network in almost every state. Chase is a full-service bank and offers all types of banking services, including checking, savings, and CD accounts. The bank offers an excellent and very useful app and website to help with online banking, budgeting, and other online services. The one drawback is that, aside from its CD offerings, the bank does not offer competitive rates for its checking and savings accounts.
| Large bank branch network. | Very low rates offered on savings and checking accounts. |
| Large ATM network. | Non-network ATM fees assessed. |
| Highly-rated mobile app. | Monthly service charges assessed if account minimum aren't met with many types of savings and checking accounts. |
| Large types of bank accounts available. | |
| Competitive CD yields. |
Chase Product Offerings
Savings Accounts
A savings account is a deposit account at a bank or credit union that insures your principal up to the FDIC or NCUA limitations and generally pays a modest interest rate. Chase customers have a many different options available depending on the amount of money they deposit in their savings account. Here is the most current Chase savings account information for September 2025:
Checking Accounts
Chase currently offers several personal and business checking accounts that offer features such as ATM rebates, little to no opening balance requirements, monthly service charges, and peer-to-peer services provided by Zelle.
Certificates of Deposit (CDs)
A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period of time, known as a term. Chase offers a wide-range of CDs with terms ranging from 1-month to 120-month. Chase offers competitive yields on some of their CDs that offer CDs with an APY higher than the national average of 2.60%. Here are some of their top CD accounts for September 2025:
Bank Fees
Non-sufficient funds fee: $34 for first overdraft greater than $50; maximum of three overdraft fees per business day.
Monthly service charge: $5 - $25 depending on the type of account. Check with bank for detailed information
Overdraft fee: $34 for first overdraft greater than $50; maximum of three overdraft fees per business day.
Account closure fee: None
Wire transfer fee: Incoming - $0 if from a Chase account; $15 if from non-Chase account; Outgoing - $35 within the US if assisted by Chase employee; $25 within the US if done through the website or mobile app; $0 if account is linked to a Chase Private Client Checking account; $50 international if assisted by Chase employee; $40 international if send from the website or mobile in dollars; $5 international if sent from the website or mobile app in foreign currency; $0 international is sent from the mobile all and amount is $5,000 or greater
Non-network ATM fee: $3 within the US and its territories; $5 elsewhere
Monthly service charge: $5-$35
Chase Features
All Chase accounts can be easily accessed online through their website or highly-rated mobile app. Once you've opened an account, you can set up and register your account online and access all of your Chase accounts from the comfort of your home or mobile phone. If your Chase account offers a debit card, you can also use your card at any ATM machine.
Chase has more than 4,700 branches and 17,000 ATMs in all most states and a full-range of account types and other financial products.
Our Take
Chase is popular due to its vast number of branches and ATM network. It also has a popular mobile app and website that makes managing your money, opening an account and processing transactions very easy and convenient. Some of its CD accounts offer competitive yields. The one major drawback is that it does not offer competitive yields on the majority of its savings and checking account offerings. All in all, Chase is able to take care of all of your everyday banking needs.
Methodology
Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.