Chase Bank Review 2026
Our rating: 3.8 / 5
Our verdict: best for full-service banking with branch access.
Savings APY
0.01%
1-year CD
0.02%
Monthly fee
$12.00/mo
FDIC insured
Yes — $250,000
Founded
—
Total assets
$4.0T
Total deposits
$2.8T
Headquarters
Columbus, OH
How the rate compares
Chase Bank advertises 0.01% on savings against an FDIC national average of 0.42% — at or below the national average, so the value here is service and access, not yield.
Pros
- Largest US bank by assets
- Nationwide branches and ATMs
- Strong credit card ecosystem
- Robust mobile app
Cons
- Savings APY near zero
- Monthly fees unless criteria are met
- CD rates uncompetitive
Customer complaints (CFPB data)
Customer complaints (CFPB data)
Below average19,236 complaints in 2025 — 0.00 per 1,000 customers, filed with the Consumer Financial Protection Bureau against Chase Bank.
Complaint score 100/100 (100 = fewest complaints per 1,000 customers among tracked banks).
Checking or savings account
Credit card
Money transfer, virtual currency, or money service
Debt collection
Mortgage
Student loan
Best for
Full-service banking and credit cards
Cash is only one part of the plan
Get matched with a vetted fiduciary advisor who can set your cash target, then put the rest to work in the right accounts.
Get matched with an advisorChase Bank FAQ
Is Chase Bank FDIC insured?
Yes. Chase Bank is an FDIC-insured institution, so deposits are protected up to $250,000 per depositor, per ownership category, in the unlikely event the bank fails.
What APY does Chase Bank pay on savings?
Chase Bank currently advertises 0.01% on its savings product. Savings rates are variable, so confirm the live figure on the bank's own site before you open the account.
Does Chase Bank charge monthly fees?
See the fee row in the summary above. Where a monthly fee exists it can usually be waived by meeting a minimum balance or direct-deposit requirement — read the account's fee schedule before signing up.
How do I open an account with Chase Bank?
Applications are online and take about ten minutes. You will need your Social Security number, a government photo ID, your address and the details of an existing bank account to fund the first deposit.
Think Bigger Today keeps its editorial standards independent of commercial relationships. This review was written by our team using publicly available information, including regulatory filings and published rate sheets. Chase Bank did not review, approve or endorse it, and is not responsible for its accuracy. Companies that work with us commercially get no preferential coverage, scoring or placement. This page may link to our free matching service, for which we can be paid a referral fee — that fee never decides what we publish, and you may or may not be matched with Chase Bank. Figures can change without notice; always confirm the current terms with the provider. Nothing here is financial, legal or tax advice.
Source: FDIC BankFind; Federal Reserve H.15 via FRED; Chase Bank published rate sheet.