Bank profile
Chase
We track 4 accounts and 5 credit cards from Chase, with a source and verification date on every figure. Its checking accounts product ranks 2nd of 6 in our lineup.
4.3Bank Compass score
4.8Mobile app rating
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Our take
By Victor Gil Vazquez · Reviewed 2026-08-21
The largest branch network in the country attached to the most expensive standard checking account we track. Chase makes sense if you'll clear the fee waiver every single month — and is one of the worst deals here if you won't.
What the size actually buys you
Chase is the biggest bank in the United States by a wide margin: roughly $4.09 trillion in assets and about $2.82 trillion in deposits, more than the next two banks on this site combined. For a depositor, though, size mostly translates into two concrete things — 5,392 branches, the largest network of any bank in our catalog, and a mobile app rated 4.8 on the App Store and 4.7 on Google Play, near the top of the range we track.
That combination is genuinely rare. Most banks are strong on one axis or the other: the online-only names win on rates and apps, the branch banks win on physical access. Chase is the one large institution here that doesn't force much of a choice between the two, and that's the honest case for banking there.
The fee is the whole decision
Chase Total Checking carries a $15 monthly fee — the highest standard checking fee in this catalog. It's waivable four different ways: $500 or more in qualifying electronic deposits, a $1,500 opening-day balance, a $5,000 average daily balance, or a linked Chase checking account. If any of those describes you, the account is effectively free and the fee is irrelevant.
If none of them does, $15 a month is $180 a year for a checking account, and there are accounts on this site with no fee and no conditions at all. That's the gap worth doing the arithmetic on, because the waiver is a monthly test rather than an annual one: a quiet month where the direct deposit doesn't land is a month you pay.
Chase Secure Banking sits between the two at $4.95, waived with $250 in qualifying electronic deposits or by being 17 to 24. It's the account for someone who wants the branch network without the balance requirement, and it's a meaningfully better deal than Total Checking for anyone who wouldn't clear the $500 threshold.
Where the savings side falls short
The gap in the Chase lineup is savings. Chase Premier Savings is in the catalog but its APY isn't something we've been able to verify against a published rate that applies nationally, and that itself is informative: at the large branch banks, the headline savings rate is usually a relationship-tier figure rather than one number anyone can get. Meanwhile the online-only accounts on this site publish a single rate that applies to everyone.
The practical answer most people land on is to split: checking where the branches are, savings where the rate is. Nothing about Chase's checking account requires you to keep your savings there too.
What stands out
- 5,392 branches — the largest network of any bank we track, by a margin of over a thousand.
- App ratings of 4.8 (App Store) and 4.7 (Google Play), among the strongest in the catalog on both stores at once.
- Four separate routes to waiving the checking fee, including a linked-account path that no other bank here offers.
- A fee-free high school account for ages 13-17 that converts automatically rather than being closed.
What to watch
- At $15, Chase Total Checking has the highest standard monthly fee in this catalog — $180 a year if you never clear a waiver.
- The waiver is tested every statement period, not annually. One month without the qualifying deposit is one month billed.
- The savings rate isn't a single published national figure, which makes it hard to compare directly against the online-only accounts here.
- The high school account converts to Chase Total Checking at 19, which means its $15 fee arrives on a schedule rather than by choice.
- Best for
- Someone with a steady direct deposit of $500 or more who values walking into a branch and wants a top-tier app without giving up either.
- Look elsewhere if
- Your income is irregular, your balance is small, or the savings rate is what you're actually shopping for.
This section is our own assessment, written from the verified figures further down this page. It is not a recommendation, and no institution has any influence over it — see the advertiser disclosure and editorial policy.
Where Chase ranks
Credit cards
Checking accounts
Chase Total Checking®
$15/mo fee
Waived with: $500+ in qualifying electronic deposits, or a $1,500+ opening-day balance, or a $5,000+ average daily balance, or linking another Chase checking account
Chase Secure Banking℠
$4.95/mo fee
Waived with: $250+ in qualifying electronic deposits, or account holder aged 17-24
Savings accounts
Chase Premier Savings℠
Fee not independently verified
Student accounts
Chase High School Checking℠
$0/mo fee
Waived with: Ages 13-17, requires a linked account from a parent or guardian; converts to Chase Total Checking at 19
Digital banking
Chase offers a mobile app. App Store rating: 4.8 / 5. Google Play rating: 4.7 / 5.
Related reading
The terms this profile uses, explained — before you decide whether Chase is the one.
- What Is the FDIC, and Is Your Money Actually Insured?The FDIC insures deposits at member banks up to $250,000 per depositor, per insured bank, for each…Guide · 4 min read
- What Is APY, and Why It Matters More Than the Interest RateAPY (Annual Percentage Yield) is the actual return you'll earn on a savings account in a year, including…Guide · 3 min read
- How to Choose a Checking Account Without Overpaying in FeesMost checking account fees are avoidable — but only if you actually meet the condition the bank sets…Guide · 3 min read
- Overdraft Fees: What They Are and the Setting That Turns Them OffAn overdraft fee is what a bank charges to cover a payment your balance could not. For debit card and…Guide · 4 min read
Run the numbers
What Chase's rates and fees are worth once your own figures are in them.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
- Credit Card Payoff CalculatorSee how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.
- Mortgage Calculator (PITI + PMI)Estimate your monthly mortgage payment — principal, interest, property tax, insurance, and PMI.
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