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? 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. Low fees, free credit card processing (2.9% but zero monthly and no minimums). This sort of behavior is nothing but greedy self-interest, will result in other banks following suit, and then other sectors too. 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. Cash deposits can be done at local affiliates. New money is defined as funds not transferred to You Invest from other Chase accounts or Chase affiliate accounts. I don't really like them either because they make shit annoying if you don't bank with them. I use this for my short term emergency money. So, I guess they've been fine. 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. 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? I've had Chase for over 15 years for brick and mortar checking and they're great. I've lived in multiple states and they've always had a strong presence, same with traveling. 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. https://www.chase.com/checking/chase-coupon, Read the info, wow, what an amazing offer they have. In this case is a expressly proven Opinion - not it is a pure Adoption. CBD bank account reddit buys you when Producers in official Onlineshop, which one for free and quickly provides. You can find one-year rates at online banks higher than 1%. 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. 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. Qualifying for the bonuses is straightforward. I've never had trouble finding an ATM, and I've traveled pretty widely (in the US). Chase requires less than half the amount Wells Fargo does to open a standard CD, but neither bank offers high APYs. Should I use Chase or another bank? 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. I would do savings at an online bank because no brick/mortar bank or CU is going to be able to touch their rates. Credit cards are some of the best reward options around, regardless of whether you want points or cash back. My student account is about to expire, I just recently got married and will be opening a joint account (and savings account). Chase bank online via VPN - Protect your privacy There's some oral presentation among warranty experts. We also have a couple credit cards and an auto loan. Check deposits via your smart phone. If you decide to open up a new checking account at Chase, you could earn up to $200. They also have a solid credit card lineup. Has anyone had really bad experiences with Chase? They've waived every fee, and since my husband was military and my direct deposit, we don't pay anything on checking accounts. 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. Chase has a top-rated mobile app so it's easy to bank from anywhere. 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 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. My wife recommended that I move to a local credit union, but I am weighing my options and wanted to hear some outside opinions. Every bank has their pros and cons. My wife and I switched to Chase a couple months ago and love it. Can you join a credit union? How are their loan offers for cars/houses (future)? Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Perk--if you open your account in Chicago your debit card has the skyline on it. NerdWallet July 24, 2020 If you need cash from random ATMs, then Chase won't work. I've had it for ~10 years now. Is Chase Bank Good? Credit unions are the solution to banks in this country. To a human being noticeable Results noticed, may be something Time offense. They area unit mediums of exchange. 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 $10,000 balance for 90 days Access to 16,000 Chase ATMs and nearly 4,900 branches Link this account to your Chase checking account for Overdraft Protection. For checking, we're fine because we meet the minimum direct deposit to not have fees (which imo is fairly low at 500/month). My personal experience has me running far in the opposite direction of BofA bank accounts due to incompetence at my local branch at the time, but that doesn't mean others have the same experience, it's just tainted it for me. In my experience, they're fine for basics. I really really appreciate their mobile app and website. Are there any hidden fees they don't tell you about? Chase Bank can be a good option for checking and savings, especially if you already do or plan to take advantage of some of the bank’s other offerings. I've been with Chase Bank for years now. They make shit so easy. Most people in this situation would be better off with online banks. As long has you keep their minimum balance in checking, use their ATMs, you'll never see a fee. Chase’s base rate is the lowest you can possibly earn, at a 0.01% APY. Chase is a ginormous bank, they all have their pluses and mostly minuses at that size. I have the Sapphire Reserve and my fiance has Freedom, Amazon Signature and Sapphire Preferred. Join our community, read the PF Wiki, and get on top of your finances! Other than that, they have been delightful and helpful. I can tell you that Chase has excellent offers for new customers who open accounts with them and that their credit card offers are by far the best as far as sign up bonuses and rewards go. If you have more than 500$ 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. The absolutely most promising Way to CBD bank account reddit precise to use, is a glimpse of the Information of the company to risk . If you carry less than $2k on your/checking, Chase won't work. Overall, Chase is a very solid choice if you're looking for a big-name bank that offers everything. Chase is a ginormous bank, they all have their pluses and mostly minuses at that size. 3 years ago. 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. Here's how it can affect your Chase credit card applications. 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. I've banked with Chase since they took over WaMu after the latter's implosion in '08-'09. 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. If you have questions or concerns, please contact us through Chase customer service or let us know about Chase … They are great with business accounts. They've widely been seen as an alternative to sovereign currencies, like the dollar, yen and euro. Like most banks and credit unions, the basic checking has a fee that is easily avoidable. 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. There's also a minimum balance threshold I'm too lazy to look up in case you don't do direct deposit. If you get an asshole, hang up and call back. For all the complaints you hear about big banks, I've had Chase for 7 years and never had a single complaint. Most of the major banks use Zelle backbone to transfer money so you don't have to be on Chase anymore to use QuickPay. Agree. I have very few complaints about their credit cards. My parent's house mortgage was originally with HSBC but they sold our mortgage off to a chain of other mortgage lenders so our mortgage statement isn't even coming from HSBC anymore. Overall though, I like Chase pretty well. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge. (Example: One login to a payment portal and another login that is a generated username with no option to change it for seeing payment history and due dates). While your CX has been good. Unfortunately there is no right or wrong answer here. I have my savings accounts with online banks since they offer a better rate, which is pretty universal. $12/month unless you get $500/month of direct deposit payments into the account is probably your easiest route to avoiding fees. Deal of the Day: Chase is now offering a $200 cash bonus when opening a … I've used Chase since I was a student as well. Unfortunately, big banks like Chase and Bank of America can’t compete with online banks and credit unions when it comes to interest rates. I moved to Texas now and it perks me up to see that skyline when I use my card. 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 have a credit card and a checking account with them. It is known for good customer service with extended hours. If you need cash from random ATMs, then Chase won't work. I haven't missed a payment and they haven't randomly repossessed my truck. Savings accounts take $300 to not charge a fee. Press question mark to learn the rest of the keyboard shortcuts. I just called chase bank and spoke with a guy named Bob. But for banks that operate in nearly every part of the country, Chase stands out as the best for customer service. 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. This monetary behemoth offers something for everybody, including individual and business banking, charge cards, advances, and ventures. Not trying to sell this particular FCU but FCUs in general. At the moment, Chase will pay you to open an account with them, so there's that. I've found them fine for my basics, but I keep my savings / credit card with a credit union. I use their app to pay every month on a recurring auto-pay. 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. Compare SunTrust Bank with Bank of America, side-by-side. Chase Bank ranked second in last year’s national J.D. No fees for having multiple checking and saving accounts. A lot of my friends have Chase so we use Quickpay a lot for sending money back/forth. We have very few issues with them. Your looking at .01% vs .1% with Bank vs CU which doesn't compare to the 1.5%+ you'll get with an online. 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. If you already carry a Discover credit card, there are some nice features that integrate your card with Discover Bank. How to the Taking of reddit CBD bank impacts. 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. Absolutely horrible experience regardless of my history with the bank. One way they attract a lot of new customers is by offering sign up bonuses. 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. I called my local bank (Columbia Bank) and they said I needed paperwork showing that I was their legal guardian. Honestly, Amex has my business credit forever. You can transfer funds between all your Chase accounts. 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