When it comes to big banks in the United States, JP Morgan Chase stands out as a powerhouse in the financial industry. With a history spanning over 200 years, Chase Bank has built a massive customer base and is known for offering a wide range of financial products.
But what are real customers saying in 2025? This detailed breakdown covers everything you need to know—from checking and savings accounts to Chase’s mobile banking app, fees, and customer support.
If you’re searching for JP Morgan Chase Bank reviews, this is your all-in-one guide to understanding whether Chase is the right financial partner for you.
Table of Contents
- Overview of JP Morgan Chase Bank
- Key Products and Services
- Chase Checking Account Reviews
- Chase Savings Account Reviews
- JP Morgan Chase Mobile App Review
- Interest Rates and Fees
- Customer Service: What People Are Saying
- Chase Credit Card Options
- Pros and Cons of JP Morgan Chase Bank
- Security and FDIC Protection
- Comparisons: Chase vs. Other Banks
- Final Verdict
1. Overview of JP Morgan Chase Bank
JP Morgan Chase & Co. is the largest bank in the United States by assets, with over $3.9 trillion in total assets as of 2025. Chase operates more than 4,700 branches and 16,000+ ATMs nationwide.
With a strong reputation for innovation, digital banking, and financial stability, many consumers turn to Chase as their primary bank.
Key Facts:
- Headquarters: New York, NY
- Founded: 1799
- Users: Over 60 million active account holders
- Mobile App Rating: 4.8/5 (iOS), 4.5/5 (Android)
Whether you’re looking for a personal bank, business account, or investment services, Chase is often one of the first names to pop up—and for good reason.
2. Key Products and Services
JP Morgan Chase Bank offers a wide variety of financial tools, including:
- Checking Accounts
- Savings Accounts
- Certificates of Deposit (CDs)
- Credit Cards
- Auto Loans
- Mortgages
- Small Business Banking
- Investment Services (J.P. Morgan Investing)
- Private Client Banking
If you’re reading JP Morgan Chase Bank reviews, the most commonly discussed topics are checking accounts, mobile banking, credit cards, and customer service.
3. Chase Checking Account Reviews
Chase offers several checking options:
- Chase Total Checking®
- Chase Secure Banking®
- Chase Premier Plus Checking℠
- Chase Private Client Checking℠
Chase Total Checking®
This is their most popular everyday checking account. Customers love:
✅ Online bill pay
✅ Mobile check deposit
✅ Zelle transfers
✅ Large ATM network
Monthly Fee: $12 (waived with direct deposit or daily balance minimum)
Customer Review:
“Easy to use, easy to waive the fee. I’ve been using Chase Total Checking for years and love the reliability.” – Sarah M., Trustpilot
4. Chase Savings Account Reviews
Chase’s savings options include:
- Chase Savings℠
- Chase Premier Savings℠
These accounts are FDIC insured but don’t offer high interest rates compared to online banks. Chase Savings typically offers 0.01%–0.02% APY, but customers appreciate the security and access to their funds.
Monthly Fee: $5 (can be waived)
Customer Review:
“Not the best rate, but it’s linked to my checking account, and the Chase app makes saving simple.” – David B., Reddit
5. JP Morgan Chase Mobile App Review
Chase’s mobile app is one of the top-rated banking apps in the U.S., with features including:
- Mobile check deposit
- Real-time fraud alerts
- Bill pay
- Chase Credit Journey (free credit score)
- Budgeting and account insights
- Card lock/unlock features
App Ratings (2025):
- iOS: ★★★★★ (4.8/5)
- Android: ★★★★☆ (4.5/5)
Customer Review:
“The Chase mobile app is a game changer. I do almost all my banking on it without visiting a branch.” – Emma L., Google Play
6. Interest Rates and Fees
This is one area where JP Morgan Chase Bank reviews get mixed reactions.
🟢 Pros:
- Fee waivers for qualified customers
- Auto-pay and alerts to avoid overdraft
🔴 Cons:
- Low APYs (especially compared to online banks)
- Monthly service fees (if waiver criteria not met)
- $34 overdraft fee (but capped per day)
7. Customer Service: What People Are Saying
Chase offers customer support through:
- 24/7 phone support
- In-app messaging
- In-person branch assistance
- Live chat for some services
⭐ Positive:
- Fast help via mobile chat
- Nationwide branch access
🚫 Negative:
- Long phone wait times during peak hours
- Automated systems can be frustrating
Customer Review:
“I’ve had both great and not-so-great support experiences. The in-person reps are amazing, though.” – Jason K., Better Business Bureau
8. Chase Credit Card Options
JP Morgan Chase is famous for its credit cards, especially:
- Chase Sapphire Preferred®
- Chase Sapphire Reserve®
- Chase Freedom Unlimited®
- Ink Business Preferred®
They offer:
- Lucrative rewards and points
- No foreign transaction fees on travel cards
- Access to Chase Ultimate Rewards portal
Customer Review:
“I rack up so many points using Sapphire Reserve—it’s been worth every penny.” – Tina R., NerdWallet
9. Pros and Cons of JP Morgan Chase Bank
✅ Pros
- Massive branch and ATM network
- Highly rated mobile app
- Multiple account types
- Strong credit card lineup
- Financial tools for budgeting and savings
- Access to J.P. Morgan investment advisors
❌ Cons
- Monthly fees if conditions not met
- Low savings interest rates
- Customer support can be inconsistent
- Limited rewards for basic accounts
10. Security and FDIC Protection
Is Chase safe? Yes, it’s one of the most secure banks in the U.S.
- FDIC-insured up to $250,000 per depositor
- Biometric login and two-factor authentication
- Real-time fraud monitoring
- Zero liability for unauthorized transactions
11. Comparisons: Chase vs. Other Banks
| Feature | Chase | Bank of America | Wells Fargo | Capital One |
|---|---|---|---|---|
| Branch Access | ✅✅✅ | ✅✅✅ | ✅✅✅ | ✅✅ |
| Mobile App Rating | 4.8/5 | 4.6/5 | 4.5/5 | 4.7/5 |
| Savings APY | Low | Low | Low | Medium |
| Credit Card Rewards | Excellent | Good | Average | Good |
| Fees | Medium | Medium | High | Low |
12. Final Verdict
So, what do JP Morgan Chase Bank reviews say?
If you’re someone who values:
- In-person support
- Excellent mobile banking
- Robust credit card rewards
- Financial tools across the board
…then Chase is a top-tier option in 2025.
However, if you want higher savings yields or no fees at all, you may prefer online-only banks like Ally or SoFi.
Summary
| Category | Rating (out of 5) |
|---|---|
| Checking Account Options | ⭐⭐⭐⭐☆ |
| Savings Account Rates | ⭐⭐☆☆☆ |
| Mobile App | ⭐⭐⭐⭐⭐ |
| Credit Cards | ⭐⭐⭐⭐⭐ |
| Customer Service | ⭐⭐⭐⭐☆ |
| Overall Value | ⭐⭐⭐⭐☆ |
