Chase Bank Review: APYs, Fees & Who It's Best For in 2026

Chase is the default bank for tens of millions of Americans, and in 2026 the reasons are unchanged: it has more branches than anyone, the best general-purpose mobile app among the Big Four, and an unmatched credit card lineup that's even more valuable when you also bank with Chase.

2026 snapshot

• Our rating: 4.3 / 5
• Best for: Branch access, credit cards, and Ultimate Rewards integration
• FDIC insured: Yes, up to $250,000 per depositor, per ownership category

Products and features

Total Checking

$12 monthly fee waived with direct deposit ≥ $500, $1,500 balance, or $5,000 across linked Chase accounts.

Premier Plus & Sapphire Checking

Higher-tier accounts that waive ATM fees and unlock relationship benefits.

Chase Savings & Premier Savings

Base APY is very low; relationship rate available with a Premier Plus or Sapphire checking link.

Chase CDs

Relationship-rate CDs are competitive; standard rack rates are not.

What we like

• Largest branch and ATM network in the U.S.
• Industry-leading mobile app
• Sapphire, Freedom, and Ink credit cards integrate with Chase banking for boosted rewards

Where it falls short

• Base savings APY is essentially zero
• Monthly fees apply unless requirements are met

Bottom line

Chase is the right primary bank if you value branch access and use Chase credit cards. Pair it with a high-yield account elsewhere for your savings.

Rates and product terms shown reflect publicly available information at the time of our 2026 review and can change at any time. Always confirm current APYs and fees directly with the bank before opening an account.