Chase's main products: checking, savings, credit cards, and loans

Chase offers checking and savings accounts, credit cards, personal loans, auto loans, mortgages, and investment services. The checking accounts come in several tiers—Chase Total Checking is the most common entry point, while Chase Premier Plus Checking and Chase Sapphire Checking target higher-balance customers. Savings accounts include Chase Savings and Chase Premier Savings, both earning interest that varies by account type and current rates.

On the credit side, Chase issues cards under its own brand (like the Chase Freedom and Chase Sapphire lines) and co-branded cards with partners like United Airlines, Disney, and Amazon. For borrowing beyond credit cards, Chase offers personal loans through its online platform, auto loans through Chase Auto, and mortgages through Chase Home Lending. The bank also runs a brokerage arm called Chase Investments for stocks, bonds, and mutual funds.

Key Takeaways

  • Chase checking accounts range from no-fee options to premium accounts with higher minimum balances and additional perks like travel credits.
  • Chase credit cards vary widely in rewards structure—some earn cash back, others earn points redeemable for travel or statement credits.
  • Personal loans through Chase are available online with rates that depend on your credit score and income, with loan amounts typically between $500 and $35,000.
  • Chase mortgages and auto loans are available through separate divisions, and rates depend on your credit profile, down payment, and loan term.
  • Chase investment accounts include standard brokerage accounts and retirement accounts like IRAs, though investment products carry their own fees and risks.

Chase checking accounts and their monthly fees

Chase Total Checking has no monthly fee if you maintain a $500 minimum daily balance, set up direct deposit, or have a linked Chase savings account with $300 or more. If you don't meet any of those conditions, the fee is $12 per month. This account includes a debit card, online bill pay, and access to Chase's ATM network.

Chase Premier Plus Checking requires a $25,000 minimum balance to avoid a $25 monthly fee. It includes higher ATM reimbursement limits, priority customer service, and waived fees on certain services. Chase Sapphire Checking, the premium tier, requires $75,000 and costs $25 per month if you fall below that threshold. It adds benefits like travel credits and concierge services.

All Chase checking accounts include fraud protection on debit cards and access to mobile banking. If you close an account within 90 days of opening it, Chase may charge a $25 early closure fee.

Chase savings accounts and interest rates

Chase Savings earns interest, but the rate is set by Chase and changes based on Federal Reserve decisions and market conditions. As of recent updates, rates on standard savings accounts at major banks like Chase are typically lower than rates offered by online-only banks. Chase does not publish a single rate; you can check the current rate on Chase's website or by calling a branch.

Chase Premier Savings requires a higher minimum balance (usually $10,000 or more) and may offer a slightly higher rate in return. Both accounts charge a $5 monthly fee if your balance drops below the minimum, though the minimum for Chase Savings is typically $0.

Chase also offers money market accounts, which function like savings accounts but may offer higher rates in exchange for larger minimum balances and limits on withdrawals per month.

Chase credit cards: rewards, annual fees, and sign-up bonuses

Chase Freedom Unlimited is a cash-back card with no annual fee. It earns 1.5% cash back on all purchases. Chase Freedom Flex earns 5% cash back on rotating categories (up to $1,500 in purchases per quarter, then 1% after), 3% on dining and drugstores, and 1% on everything else. It also has no annual fee.

Chase Sapphire Preferred charges $95 annually and earns 3 points per dollar on dining and travel, 2 points on other purchases. Points can be redeemed for cash, travel, or statement credits. Chase Sapphire Reserve costs $550 per year but includes travel credits, concierge service, and higher earning rates (3x on travel and dining, 1x on other purchases).

Co-branded cards like the United Club Infinite Card ($650 annual fee) and Amazon Prime Rewards Visa ($0 annual fee) offer category-specific rewards tied to those partners. Most Chase cards come with sign-up bonuses—typically worth $100 to $500 in value—that require you to spend a certain amount within the first few months.

Chase personal loans: rates, terms, and how to apply

Chase personal loans range from $500 to $35,000 and come with fixed interest rates and fixed monthly payments. The rate you receive depends on your credit score, income, employment history, and existing debt. Chase does not publish a single rate; instead, you receive a personalized rate after you provide information and authorize a credit check.

Loan terms typically run from 24 to 84 months. You can apply online, and Chase will tell you within minutes whether you're approved and what rate you may have access to for. If approved, funds usually arrive within one to two business days. Chase charges no origination fee, prepayment penalty, or late fee on personal loans, though a late payment will damage your credit score.

To apply, you'll need your Social Security number, income information, and employment details. Chase will pull your credit report, which temporarily lowers your credit score by a few points.

Chase auto loans and mortgages

Chase Auto provides financing for new and used vehicles through its website and in-branch. Like personal loans, rates depend on your credit score and the vehicle's age and value. You can get a pre-approval online before shopping, which shows dealers you're a serious buyer. Chase also offers refinancing if you have an auto loan from another lender.

Chase Home Lending handles mortgages for home purchases and refinances. Loan types include conventional, FHA, VA, and USDA loans. Rates vary based on credit score, down payment, loan term (typically 15 or 30 years), and current market conditions. You can get a rate quote online without a hard credit pull, and a full application requires income verification, employment history, and a home appraisal.

Both auto and mortgage loans involve third-party verification and underwriting, which can take days to weeks. Chase may also require homeowners insurance for mortgages and comprehensive insurance for auto loans.

Chase investment accounts and brokerage services

Chase Investments (formerly J.P. Morgan Self-Directed Investing) lets you open a standard brokerage account to buy and sell stocks, bonds, ETFs, and mutual funds. There is no account minimum and no monthly fee. You pay commissions only when you trade—stock and ETF trades are commission-free, but some mutual funds carry sales charges.

Chase also offers retirement accounts: traditional IRAs, Roth IRAs, and SEP IRAs for self-employed people. Contribution limits are set by the IRS and vary by account type and your age. Investment accounts carry market risk—the value of your holdings can go down as well as up—and Chase does not may provide returns.

If you want professional investment management rather than self-directed trading, Chase offers advisory services through J.P. Morgan Advisors, which charges a percentage of assets under management (typically 0.35% to 0.70% annually, depending on account size).

Frequently Asked Questions

Does Chase have a student checking account?

Chase does not offer a dedicated student account, but high school and college students can open Chase Total Checking if they meet the requirements (minimum balance, direct deposit, or linked savings account). Some students may have access to for fee waivers through their school's partnership with Chase.

What happens if I don't maintain the minimum balance on a Chase checking account?

If your daily balance falls below the minimum and you don't have direct deposit or a linked savings account, Chase charges the monthly maintenance fee ($12 for Total Checking, $25 for Premier Plus). The fee is deducted from your account on the statement closing date.

Can I transfer money between my Chase checking and savings accounts?

Yes. You can transfer money online, through the mobile app, at an ATM, or in a branch. Transfers between your own accounts are free and usually instant. The Federal Reserve's Regulation D previously limited savings withdrawals to six per month, but that rule was suspended in 2020.

Do Chase credit cards have foreign transaction fees?

Most Chase cards charge 3% for foreign transactions. Premium cards like Chase Sapphire Reserve and Sapphire Preferred do not charge foreign transaction fees, which makes them useful for international travel. Always check your card's terms before traveling abroad.

What is Chase's fraud protection policy?

Chase covers unauthorized transactions on debit cards if you report them within 60 days. For credit cards, your liability for fraudulent charges is capped at $50 by federal law, though Chase often waives this entirely. Report fraud immediately by calling the number on the back of your card or through the mobile app.