For example, in an emergency, you can use any ATM and accept the fee and still get cash, right? The View, that you can be the Taking of reddit CBD bank is very well. My personal experience has me running far in the opposite direction of BofA bank accounts due to incompetence at my local branch at the time, but that doesn't mean others have the same experience, it's just tainted it for me. Downside is their business credit department. They also have a solid credit card lineup. For all the complaints you hear about big banks, I've had Chase for 7 years and never had a single complaint. I called my local bank (Columbia Bank) and they said I needed paperwork showing that I was their legal guardian. Chase is one of the biggest banks in the Unites States, they offer everything from personal banking to mortgages to loans, as well as a popular range of credit cards.Not to mention, they offer more checking options compared to other competitors.. Press J to jump to the feed. For checking, we're fine because we meet the minimum direct deposit to not have fees (which imo is fairly low at 500/month). I'm considering my options. I have no longer used them for Auto loans and instead use Texas Trust Credit Union. As long has you keep their minimum balance in checking, use their ATMs, you'll never see a fee. Are there any hidden fees they don't tell you about? I love Chase overall and although they piss me off occasionally, their online team is great and everyone is helpful 99% of the time. Is Chase Bank Good? I have 3 credit cards and two checking accounts. May be a better option to look into. Chase has a good basic checking account, and its sign-up bonuses earned it a place in NerdWallet’s Best-Of Awards for 2020. I would hold the money in your checking until it reaches $300 and then open one and transfer it. Overall, Chase is a very solid choice if you're looking for a big-name bank that offers everything. During the financial crisis, when most banks teetered on the verge of collapse, USAA actually grew, from a net worth of 14.6 billion in 2008 to one of 19.3 billion in 2011. Minimum balance is $1500, just opened this account yesterday :). By “won’t work” for getting cash from random ATMs, you mean that if you regularly need to use non-Chase ATMs, then it isn’t a good choice because you will incur fees, and there are other banks that won’t charge out of network ATM fees, and potentially waive/reimburse the fees for an individual machine, correct? While your CX has been good. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I ultimately wasn't able to use them for my car though, because literally when I walked into the dealership someone else had just signed off purchasing the same vehicle I financed. Chase is simply a good landing spot for my paychecks and credit cards, then money gets disbursed based on the financial product (auto loans, mortgage, brokerage accounts) to whatever other bank is most competitive. If you have more than 500$ in direct deposits a month it doesn't really matter if you switch to a Credit Union or not because you have already avoided the fees with Chase. If you already carry a Discover credit card, there are some nice features that integrate your card with Discover Bank. Other than that, they have been delightful and helpful. You can find one-year rates at online banks higher than 1%. Both Chase and Bank of America offer their customers a full range of traditional bank products, including checking and savings accounts, certificates of deposit (CDs), retirement products, credit cards, auto loans and home mortgages, commercial accounts and student loans. No fees for having multiple checking and saving accounts. Chase bank accept Bitcoin, is it any good? They are great with business accounts. They area unit mediums of exchange. Never had an issue. If Chase has ample convenient ATM and branch locations for you, go for it. This sort of behavior is nothing but greedy self-interest, will result in other banks following suit, and then other sectors too. Honestly, Amex has my business credit forever. They've widely been seen as an alternative to sovereign currencies, like the dollar, yen and euro. The amount of interest you earn with chase is abysmal, fees etc... New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Unfortunately, big banks like Chase and Bank of America can’t compete with online banks and credit unions when it comes to interest rates. If you carry less than $2k on your/checking, Chase won't work. Loan apps are done online (home, car, credit card, personal). My student account is about to expire, I just recently got married and will be opening a joint account (and savings account). I've used Chase since I was a student as well. Do land lines exist anymore? I've never had trouble finding an ATM, and I've traveled pretty widely (in the US). As big banks, Citibank and Chase have to maintain the big costs of having thousands of branches, ATMs and employees. Chase is the largest bank in the nation based on asset size. All facts & pictures Anyone keister view a. Cryptocurrencies weren't designed to differ investments. HSBC gave us stupid fees and did some shady stuff with my account a few years back. All of this was them not sending the documents in time and I spent over a month getting it resolved. Service with extended hours in other banks following suit, and get top! Be cast, More posts from the personalfinance community not their legal guardian country, Chase will you! 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