I mean I have a home phone but it's VOIP. My wife recommended that I move to a local credit union, but I am weighing my options and wanted to hear some outside opinions. I'm not their legal guardian and the guy who is their foster parent is not interested in helping them start a bank account. Press J to jump to the feed. They've waived every fee, and since my husband was military and my direct deposit, we don't pay anything on checking accounts. For checking, we're fine because we meet the minimum direct deposit to not have fees (which imo is fairly low at 500/month). Like most banks and credit unions, the basic checking has a fee that is easily avoidable. I am a college student looking for a good bank to use. Chase's lowest checking tier, Total Checking, doesn't charge maintenance fees if you direct deposit >$500 month. No fees for having multiple checking and saving accounts. Savings accounts take $300 to not charge a fee. I have a credit card and a checking account with them. As big banks, Citibank and Chase have to maintain the big costs of having thousands of branches, ATMs and employees. A lot of my friends have Chase so we use Quickpay a lot for sending money back/forth. They've widely been seen as an alternative to sovereign currencies, like the dollar, yen and euro. Should I use Chase or another bank? They make shit so easy. 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. Overall though, I like Chase pretty well. 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. Chase is a ginormous bank, they all have their pluses and mostly minuses at that size. If you carry less than $2k on your/checking, Chase won't work. Markets see it as a window into U.S. consumer spending and corporate sentiment. No fees for the checking if you do direct deposit for your paycheck. one of the branches near me even let's me take out in increments of $1. 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. 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. Chase You Invest offers both taxable and tax-advantaged self-directed accounts.Taxable brokerage accounts can be individual or joint.On the retirement side, you can choose between a traditional or Roth IRA.There are no other retirement options, such as a rollover or inherited IRAs. 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. I had a car financed through them and they mis-filed my property tax exemption with the county I live in and then threatened me that I needed to pay the $700 something dollars after I had paid off the car for over a year. I tried to use them to finance a used car back in January as well. They are great with business accounts. 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. 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. Other than that, they have been delightful and helpful. Chase has a top-rated mobile app so it's easy to bank from anywhere. Minimum balance is $1500, just opened this account yesterday :). Chase is the largest bank in the nation based on asset size. Both Citibank and Chase offer some of the lower-earning banking interest rates in the industry, with only a few options to earn higher than 1%. I've never had trouble finding an ATM, and I've traveled pretty widely (in the US). JPMorgan Chase is the biggest U.S. bank by market value. I've been with Chase Bank for years now. Credit cards are some of the best reward options around, regardless of whether you want points or cash back. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I love Chase overall and although they piss me off occasionally, their online team is great and everyone is helpful 99% of the time. It's great if you want to do all your money matters under one roof. 3 years ago. I've used them for over a decade and never had any issues. I'm considering my options. NerdWallet July 24, 2020 Honestly, Amex has my business credit forever. Chase is also degrading the quality of life for not only its employees but greater society by implementing changes such as being open on certain federal holidays, traditionally also called "bank" holidays. How are their loan offers for cars/houses (future)? I called my local bank (Columbia Bank) and they said I needed paperwork showing that I was their legal guardian. Absolutely horrible experience regardless of my history with the bank. Chase bank accept Bitcoin, is it any good? Chase has a good basic checking account, and its sign-up bonuses earned it a place in NerdWallet’s Best-Of Awards for 2020. 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. I have always had a direct deposit going into the checking account so it was never a problem. Chase’s base rate is the lowest you can possibly earn, at a 0.01% APY. HSBC gave us stupid fees and did some shady stuff with my account a few years back. Qualifying for the bonuses is straightforward. All of this was them not sending the documents in time and I spent over a month getting it resolved. In my experience, they're fine for basics. New money is defined as funds not transferred to You Invest from other Chase accounts or Chase affiliate accounts. 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 already carry a Discover credit card, there are some nice features that integrate your card with Discover Bank. If you carry less than $2k on your/checking, Chase won't work. Chase Premier Savings : Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account. If you have questions or concerns, please contact us through Chase customer service or let us know about Chase … I'll also need a car loan within the next year. Is my experience common? 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. My wife and I switched to Chase a couple months ago and love it. 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? Overall, Chase is a very solid choice if you're looking for a big-name bank that offers everything. They tend to have interesting programs and lots of products, but if anything goes wrong, it's awful to try to fix it. In this case is a expressly proven Opinion - not it is a pure Adoption. They have great self-directed mutual fund investment options for Private Clients with >$250k of investments. Do land lines exist anymore? But for banks that operate in nearly every part of the country, Chase stands out as the best for customer service. I've lived in multiple states and they've always had a strong presence, same with traveling. I would hold the money in your checking until it reaches $300 and then open one and transfer it. Chase Bank ranked second in last year’s national J.D. 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). Join our community, read the PF Wiki, and get on top of your finances! It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge. I really really appreciate their mobile app and website. Between Chase, HSBC, and TD bank, I found Chase the best. We have very few issues with them. While your CX has been good. Power National Bank Satisfaction Study and is one of two banks that received a perfect rating in the JDPower.com Power Circle Ratings. Press question mark to learn the rest of the keyboard shortcuts. In my experience they've been helpful, nice, and convenient. Considering this was a one time problem, I didn't change banks over it. If you get an asshole, hang up and call back. 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 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..
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