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Chase
Chase is a strong everyday bank for people who will use its roughly 5,000 branches, more than 14,000 ATMs, cash services, mature app, and broad account ecosystem. Chase Total Checking costs $15 per month unless one of four waiver paths is met, and standard savings rates are not competitive with leading online accounts. Choose it for access and consolidation, not for maximum yield.
What to know about Chase
Chase is a strong everyday bank for people who will use its roughly 5,000 branches, more than 14,000 ATMs, cash services, mature app, and broad account ecosystem. Chase Total Checking costs $15 per month unless one of four waiver paths is met, and standard savings rates are not competitive with leading online accounts. Choose it for access and consolidation, not for maximum yield.
Pros
- More than 5,000 branches and 14,000 ATMs advertised
- Mature app and broad banking, card, and investing ecosystem
- Strong cash-deposit and in-person service options
Cons
- $15 Total Checking fee unless a waiver condition is met
- Standard savings yield trails leading online accounts
- Account tiers and fee rules require active monitoring
Scoring breakdown
- Fees3.5/5
- APY2.8/5
- Digital Experience4.6/5
- Access & ATM Network4.9/5
- Customer Service4.4/5
Verified product facts
- Monthly Fee
- Chase Total Checking: $15 or $0 with qualifying deposits, balances, or a linked eligible account
- APY
- Location- and product-dependent; standard Chase savings is not positioned as a high-yield account
- Deposit Insurance
- Deposits at JPMorgan Chase Bank, N.A. are FDIC-insured within ownership-category limits
Where Chase ranks
Every DollarScout ranking that includes Chase.
Chase reviews
Chase comparisons
Head-to-head matchups featuring Chase.
Fact-checked July 18, 2026. Sources: Chase checking account comparison and network disclosure, Chase Total Checking current fees and waiver rules, Chase savings account comparison and fee rules, Chase Overdraft Assist terms, Chase branch and ATM locator, Chase deposit account agreement, FDIC BankFind record for JPMorgan Chase Bank.