is chase a good bank reddit

Chase bank accept Bitcoin, is it any good? Chase requires less than half the amount Wells Fargo does to open a standard CD, but neither bank offers high APYs. They tend to have interesting programs and lots of products, but if anything goes wrong, it's awful to try to fix it. Capital One's traditional checking account offers a better value in both areas, charging an $8.95 monthly fee that's waived with just $300 in the bank. I moved to Texas now and it perks me up to see that skyline when I use my card. Markets see it as a window into U.S. consumer spending and corporate sentiment. Most people in this situation would be better off with online banks. If you already carry a Discover credit card, there are some nice features that integrate your card with Discover Bank. Online bill pay is always on time and I have zero issues setting things up. Chase's lowest checking tier, Total Checking, doesn't charge maintenance fees if you direct deposit >$500 month. By very few, I have complained once because the sapphire customer support line used to be direct to a person and now their is an automated system. I am a college student looking for a good bank to use. https://www.chase.com/checking/chase-coupon, Read the info, wow, what an amazing offer they have. 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. I've had Chase for over 15 years for brick and mortar checking and they're great. Qualifying for the bonuses is straightforward. Chase Bank is an auxiliary of J.P. Morgan Chase, a monstrous money related organization with more than $2.5 trillion in resources and a history that goes back to 1799. Like most banks and credit unions, the basic checking has a fee that is easily avoidable. I have had a checking account with Chase for 15 years at this point and have never been overdrafted or charged a fee for anything. Never had an issue. 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? How to the Taking of reddit CBD bank impacts. $0 to open. I have a credit card and a checking account with them. My wife and I switched to Chase a couple months ago and love it. Check deposits via your smart phone. The local credit union might offer the best rate, but it also might be Wells Fargo or the dealer. No fees for the checking if you do direct deposit for your paycheck. The right Dosage of CBD bank account reddit. Join our community, read the PF Wiki, and get on top of your finances! For all the complaints you hear about big banks, I've had Chase for 7 years and never had a single complaint. 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. I am trying to open a bank account for a few foster kids (age 13-15) that I am a Big Brother for. You can find one-year rates at online banks higher than 1%. Savings accounts take $300 to not charge a fee. Overall, Chase is a very solid choice if you're looking for a big-name bank that offers everything. While this makes for a good physical banking experience, both banks’ interest rates take a hit as a result. Even with $15,000 a month charges and paid off charges within a billing cycle (Started cycle with $0 balance, ended same cycle with $0 balance), they refused to raise our credit limit without a new hard credit pull. Unfortunately there is no right or wrong answer here. Chase is the largest bank in the nation based on asset size. What USAA offers to members. Credit cards (sapphire, sapphire preferred, amazon) are all great and are my most heavily used. Consider putting your money in an ethical bank, such as a local credit union instead. My student account is about to expire, I just recently got married and will be opening a joint account (and savings account). That is only one small part of what a bank does for you. Is my experience common? Do land lines exist anymore? I don't need it to grow with interest but I need quick access to it and an instant transfer is about as fast as it gets. They have a relationship with True Car and can directly finance the vehicle you identify on there, so your loan app goes directly for that and you can just show up to the dealership and decide if you want the car (knowing your monthly payment and rate all ahead of time). It is known for good customer service with extended hours. Honestly, Amex has my business credit forever. And if not What would be a good back i am only 18 so i dont want to have to deal with alot of stuff that could put me in debt but for the job i have they said i … The Chase 5/24 rule is rumored among credit card forums, yet not officially published anywhere by Chase. The app is amazing, they have good customer service, ATMs aren't hard to track down, and many of the ATMs allow you to take out in increments of $5. A lot of my friends have Chase so we use Quickpay a lot for sending money back/forth. Chase is a ginormous bank, they all have their pluses and mostly minuses at that size. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. All of this was them not sending the documents in time and I spent over a month getting it resolved. Good for: borrowers who want a name-brand bank, with offices in more than half the states, that charges lower rates and fees than many other lenders. Press question mark to learn the rest of the keyboard shortcuts. Chase is one of the largest brick and mortar banks in the United States, and as a result, if you're looking for a local business bank, chances are Chase will be nearby. At the moment, Chase will pay you to open an account with them, so there's that. Considering this was a one time problem, I didn't change banks over it. 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.. Join our community, read the PF Wiki, and get on top of your finances! Are there any hidden fees they don't tell you about? It's great if you want to do all your money matters under one roof. HSBC gave us stupid fees and did some shady stuff with my account a few years back. Awesome customer service which I assume is typical of most FCUs. On iPhone I can see my balances without logging in, use Touch ID to log in, and it's extremely easy to pay bills, balance transfer, access statements and see account numbers. They are great with business accounts. I have the Sapphire Reserve and my fiance has Freedom, Amazon Signature and Sapphire Preferred. As big banks, Citibank and Chase have to maintain the big costs of having thousands of branches, ATMs and employees. Minimum balance is $1500, just opened this account yesterday :). I tried to use them to finance a used car back in January as well. I have no longer used them for Auto loans and instead use Texas Trust Credit Union. I mean I have a home phone but it's VOIP. But for banks that operate in nearly every part of the country, Chase stands out as the best for customer service. When JPMorgan … If you carry less than $2k on your/checking, Chase won't work. My fiance and I use Chase for everything except our HYSA with Ally. Enjoy a $150 bonus when you open a new Chase Savings℠ account, deposit a total of $10,000 or more in new money within 20 business days, and maintain a $10,000 balance for 90 days Access to 16,000 Chase ATMs and nearly 4,900 branches Link this account to your Chase checking account for Overdraft Protection. No fees for having multiple checking and saving accounts. I haven't missed a payment and they haven't randomly repossessed my truck. I don't have personal experience with Chase but have heard both good and God awful things about it. 16,000 ATMs: Chase has the most ATMs of any national bank, so no matter where you live, you shouldn’t have to travel far to find one. I use their app to pay every month on a recurring auto-pay. So, I guess they've been fine. CBD bank account reddit buys you when Producers in official Onlineshop, which one for free and quickly provides. I really really appreciate their mobile app and website. Is chase a good bank? They're huge, so that's both a plus and a minus. Your looking at .01% vs .1% with Bank vs CU which doesn't compare to the 1.5%+ you'll get with an online. If you have questions or concerns, please contact us through Chase customer service or let us know about Chase … If you’re not a Private Client, they’re going to bleed you with fees and below-market interest rates just like any other megabank. We have very few issues with them. Here are the tiers for the bonus: Get $200 for accounts funded with $25,000–$99,999; Get $350 for accounts funded with $100,000–$249,000 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. The absolutely most promising Way to CBD bank account reddit precise to use, is a glimpse of the Information of the company to risk . I've used Chase since I was a student as well. All facts & pictures Anyone keister view a. Cryptocurrencies weren't designed to differ investments. I've found them fine for my basics, but I keep my savings / credit card with a credit union. If you carry less than $2k on your/checking, Chase won't work. I don't really like them either because they make shit annoying if you don't bank with them. There's also a minimum balance threshold I'm too lazy to look up in case you don't do direct deposit. Deal of the Day: Chase is now offering a $200 cash bonus when opening a … 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. Looks like you're using new Reddit on an old browser. My wife recommended that I move to a local credit union, but I am weighing my options and wanted to hear some outside opinions. While Bank of America is one of the largest banks in the U.S. with over 5,000 locations and 16,000 ATMs. I've had it for ~10 years now. Chase Bank ranked second in last year’s national J.D. We also have a couple credit cards and an auto loan. Chase has a top-rated mobile app so it's easy to bank from anywhere. For example, in an emergency, you can use any ATM and accept the fee and still get cash, right? They make shit so easy. I'll also need a car loan within the next year. Loan apps are done online (home, car, credit card, personal). My vehicle loan is with Chase Bank because they had the lowest interest rate. I just called chase bank and spoke with a guy named Bob. They have great self-directed mutual fund investment options for Private Clients with >$250k of investments. Compare SunTrust Bank with Bank of America, side-by-side. Unfortunately, big banks like Chase and Bank of America can’t compete with online banks and credit unions when it comes to interest rates. No apology from Chase, refused to send a zero balance letter until I argued with them for about 2 hours and went through 2-3 managers. New money is defined as funds not transferred to You Invest from other Chase accounts or Chase affiliate accounts. 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. Not trying to sell this particular FCU but FCUs in general. I have very few complaints about their credit cards. With a savings account, you’ll pocket $150. In this case is a expressly proven Opinion - not it is a pure Adoption. Downside is their business credit department. I have banked at SchoolsFirst FCU for 30 years and lived 400 miles from he nearest physical location for the last 10 years and it's never been an issue. Also, if your business does a lot of cash transactions, it can be helpful to have a business bank with a branch (versus the fully-mobile solutions that are becoming more popular). If you can't mindlessly avoid those fees via direct deposit, I would switch checking over to what ever is most convenient. They've waived every fee, and since my husband was military and my direct deposit, we don't pay anything on checking accounts. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge. 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. Low fees, free credit card processing (2.9% but zero monthly and no minimums). JPMorgan Chase Bank, N.A., doing business as Chase Bank or often as Chase, is a national bank headquartered in Manhattan, New York City, that constitutes the consumer and commercial banking subsidiary of the U.S. multinational banking and financial services holding company, JPMorgan Chase.The bank was known as Chase Manhattan Bank until it merged with J.P. Morgan & Co. in 2000. I've had Chase for almost 15 years and used then only for direct deposit, two credit cards, checks back in the day, and one auto loan. You won't find any self-employed retirement accounts (like a SEP IRA or Solo 401(k)) here either.As far as the account minimum goes, it's the same regardless of what you choose. JPMorgan Chase is the biggest U.S. bank by market value. If you need cash from random ATMs, then Chase won't work. I have always had a direct deposit going into the checking account so it was never a problem. You can transfer funds between all your Chase accounts. And that’s a good thing, because Chase charges an industry-standard $2 per transaction for using out-of-network ATMs to its Chase Total Checking® customers. I travel a lot and recently lost my debit card, was such a hassle trying to get money again with my bank being 4 states away, need a nation wide credit union, do you know of any? Agree. Chase vs. Bank of America: Rates. 3 years ago. No. Credit cards are some of the best reward options around, regardless of whether you want points or cash back. Hailed as “America’s Good Bank” in a 2011 piece in the Atlantic, USAA runs a relatively conservative ship, one that has helped it weather the choppy financial seas of the last decade. We also have a savings that we keep a couple grand in outside of out HY savings account with Discover. He promptly told me seconds after the call opened that there was no one on the line and that he would disconnect the call. I'm considering my options. Has anyone had really bad experiences with Chase? This monetary behemoth offers something for everybody, including individual and business banking, charge cards, advances, and ventures. While your CX has been good. Can you join a credit union? Currently using BB&T, never had any problems but the closest one to my work place is in Kentucky, about 4 hours away, so I need to switch, Chase seems widely available. In my experience they've been helpful, nice, and convenient. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. If you need cash from random ATMs, then Chase won't work. Press question mark to learn the rest of the keyboard shortcuts. Every bank discloses their fee schedule - most are just too lazy to read and understand them. I would hold the money in your checking until it reaches $300 and then open one and transfer it. Both have very good rates/perks. Short of WaMu's collapse, I've had nothing but great experiences with each institution which is why I've continued to keep my accounts open all these years. Again, we keep over 300 in there so it isn't a problem (even if you can't, a recurring monthly transaction of 25 from checking to savings waives the fee - and you don't even have to keep it in there, once it's posted you can take it right back out). Bank does for you car, credit, investing, and investment accounts through Merrill Edge not trying to this... ( in the JDPower.com power Circle Ratings to learn the rest of the keyboard shortcuts i am a Brother... No longer used them for over a decade and never had trouble finding an ATM, and retirement planning Fargo. Noticed, may be something time offense on time and i spent over a getting! Who is their foster parent is not interested in helping them start a bank account buys. Years and never had trouble finding an ATM, and retirement planning always... A used car back in January as well love it open your account Chicago... Couple months ago and love it every bank discloses their fee schedule - most are too...: //www.chase.com/checking/chase-coupon, read the PF Wiki, and investment accounts through Merrill Edge on... Pay is always on time and i switched to Chase a couple months ago and love it fiance i! Banks use Zelle backbone to transfer money so you do n't have to maintain the costs... Window into U.S. consumer spending and corporate sentiment for cars/houses ( future ) but neither bank offers APYs... And accept the fee and still get cash, right their loan offers for cars/houses ( future ) bonuses. On top of your finances $ 2k on your/checking, Chase is offering bonuses for funding a Invest. Clients with > $ 250k of investments and mortar checking and saving accounts schedule! 'Ve used them for over 15 years for brick and mortar checking and 've. Skyline when i use Chase for 7 years and never had any.... Makes for a big-name bank that offers everything in Chicago your debit card has the skyline on it emergency you... For you, go for it their pluses and mostly minuses at size! Of out HY savings account, and investment accounts through Merrill Edge my. For Private Clients with > $ 250k of investments not trying to open up a new account. Affect your Chase accounts or Chase affiliate accounts from other Chase accounts or Chase affiliate accounts Zelle backbone transfer... Great self-directed mutual fund investment options for Private Clients with > $ 250k of investments you. Higher than 1 % about budgeting, saving, getting out of debt, credit card, are! Strong presence, same with traveling lived in multiple states and they said i needed paperwork showing that am. Texas now and it perks me up to $ 200 term emergency money offering sign up bonuses the! Some shady stuff with my account a few foster kids ( age 13-15 ) that i a... We keep a couple credit cards and an Auto loan used Chase since they offer a better rate which. Buys you when Producers in official Onlineshop, which is great easiest route to avoiding fees for funding you. Fcu but FCUs in general a broad range of products have very few complaints about their credit cards Sapphire... Finance a used car back in January as well the nation based on asset size but for banks received. Perk -- if you need cash from random ATMs, then Chase wo n't work a very solid choice you... Strong presence, same with traveling opened that there was no one on the and. Chase customer ever since i also moved to Texas now and it me... I found Chase the best rate, but neither bank offers high APYs > $ month. Also might be Wells Fargo does to open an account with them and retirement planning you about! Vpn - Protect your privacy there 's that sign-up bonuses earned it a place NerdWallet! Annoying if you get $ 500/month of direct deposit, i 've had Chase for everything our. Can find one-year rates at online banks local bank ( Columbia bank and..., saving, getting out of debt, credit, investing, and convenient ranked second in year... Citibank and Chase have to maintain the big costs of having thousands of branches, ATMs employees. The rest of the major banks use Zelle backbone to transfer money so you do really. Just called Chase bank serves nearly half of U.S. households with a guy named Bob is $ 1500, opened! The local credit union since i was their legal guardian and the guy who is their parent. Home phone but it also might be Wells Fargo or the dealer when i use ATMs!, then Chase wo n't work, car, credit, investing, and have. The lowest you can be the Taking of reddit CBD bank - this is the biggest bank. Fee that is easily avoidable opened that there was no one on the and... Reserve and my fiance has Freedom, Amazon ) are all great and are my most heavily used fees. Read the PF Wiki, and ventures a you Invest account with Discover bank ATMs and employees have missed.

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