APY GUY: Maximize Your Savings & Earnings

Checking Accounts

Chase Bank Fees for 2023 – Here’s What to Expect

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Chase Bank is one of the most recognizable names in banking. Their presence – both branch and ATM – is as vast as their customer base with 17,000 ATMs and 4,700 branches nationwide. On top of this tremendous reach, they also sit on roughly $4 trillion (yes, with a T) in assets.

While a bank of this size has much to offer in terms of accessibility, it is no secret that the institution’s most popular bank accounts and products typically come with fees.

These fees generally include:

  • overdraft charges,
  • monthly maintenance fees,
  • checking account fees,
  • wire transfer fees and
  • ATM fees for using a non-Chase machine (not to mention what that ATM owner charges)

While the monthly maintenance fees can be waived on most accounts, some of the other fees may be inevitable.

Below is a complete breakdown of all the fees you can expect to pay with Chase Bank’s most popular accounts as well as how to waive them (if possible).

Chase Total Checking Account Fees & How to Avoid Them

The Chase Total Checking account is the most basic checking account option. It comes with a minimum deposit requirement of $25 and a hefty monthly fee of $12 that can be waived by doing any of following:

  • Direct deposit totaling $500 or more made to this account
  • OR a balance at the beginning of each day of $1,500 or more in this account
  • OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying deposits or investments.

Below is a complete list of fees to look out for if opening a Chase Total Checking account.

Chase Total Checking Fees

TypeFee
Monthly Maintenance$12 (can be waived)
Minimum Deposit$25
Overdraft$34
Card ReplacementFree 3-5 business days. $5 rush payment.
Foreign Transaction3%
ATM (out of network, domestic)$3.00 (plus whatever the ATM owner charges)
ATM (out of network, international)$5.00 (plus whatever the ATM owner charges)
Wire (incoming, domestic)$15 (free if coming from Chase)
Wire (outgoing, domestic)$25 ($35 if done with a banker)
Wire (incoming, international)$15 (free if coming from Chase)
Wire (outgoing, international)$50 if done with a banker.
$40 if done online or with mobile app and funds are sent in USD.
$5.00 if done online or with mobile app and funds are sent in foreign currency.
$0.00 if done online or with mobile app and funds are sent in foreign currency AND amount is more than $5k.
Stop Payment with Customer Support$30
Online or Automated Phone Stop Payment$25
Returned Item or Check$12
Money Order$5.00
Cashier’s Check$8.00

Of course, you’ll also have to pay for things like paper checks or paper statements ($6 per statement copy) should you wish to obtain them, but Chase Bank has a robust online banking platform and native apps on IOS and Android that will give you plenty of access to all your account information free of charge.

Chase Secure Banking Checking Account Fees & How to Avoid Them

The Chase Secure Banking account is considered the middle tier in terms of Chase checking account options. The big difference with this account is that it has a flat $4.95/month service fee that can not be waived. In exchange for this, the account comes with no overdraft fees. If you overdraft your account, they will simply decline or return the transaction.

Chase Secure Banking Fees

TypeFee
Monthly Maintenance$4.95 (can not be waived)
Minimum Deposit$25
OverdraftNone
Card ReplacementFree 3-5 business days. $5 rush payment.
Foreign Transaction3%
ATM (out of network, domestic)$3.00 (plus whatever the ATM owner charges)
ATM (out of network, international)$5.00
Wire (incoming, domestic)$15 (free if coming from Chase)
Wire (outgoing, domestic)$25 ($35 if done with a banker)
Wire (incoming, international)$15 (free if coming from Chase)
Wire (outgoing, international)$50 if done with a banker.
$40 if done online or with mobile app and funds are sent in USD.
$5.00 if done online or with mobile app and funds are sent in foreign currency.
$0.00 if done online or with mobile app and funds are sent in foreign currency AND amount is more than $5k.
Stop Payment with Customer Support$30
Online or Automated Phone Stop Payment$25
Returned Item or Check$12
Money Orderfree
Cashier’s Checkfree

Chase Premier Plus Checking Account Fees & How to Avoid Them

The Chase Premier Plus Checking account is the top tier in terms of Chase checking account options. It comes with an interest rate (although the standard rate sits at just 0.01% APY at the moment) and they waive fees for counter checks, money orders and cashier’s checks.

It comes with an even heftier monthly maintenance fee of $25 that can be waived by doing any of following:

  • An average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits or investments
  • OR have a linked qualifying Chase first mortgage enrolled in automatic payments from your Chase account

If you cannot meet the two qualifications above, Chase will also let you waive the $25 monthly fee by linking:

  • Up to two additional personal Chase checking accounts (excluding Chase Sapphire, Checking and Chase Private Client Checking)
  • Chase personal savings account(s), excluding Chase Private Client Savings
  • Chase Liquid Card(s)

Below is a complete list of fees to look out for if opening a Chase Premier Plus Checking account.

Chase Premier Plus Checking Fees

TypeFee
Monthly Maintenance$25 (can be waived)
Beginning Day Balance$15,000 to avoid $25 fee
Overdraft$34
Card ReplacementFree 3-5 business days. $5 rush payment.
Foreign Transaction3%
ATM (out of network, domestic)$3.00 (plus whatever the ATM owner charges)
ATM (out of network, international)$5.00
Wire (incoming, domestic)$15 (free if coming from Chase)
Wire (outgoing, domestic)$25 ($35 if done with a banker)
Wire (incoming, international)$15 (free if coming from Chase)
Wire (outgoing, international)$0 – $50
Stop Payment with Customer Support$30
Online or Automated Phone Stop Payment$25
Returned Item or Check$12
Money Orderfree
Cashier’s Checkfree

Chase Bank Savings Account Fees and Rates

Chase Bank currently offers two different savings accounts – The Chase Savings and the Chase Premier Savings. Both of these accounts come with monthly fees that can be waived.

The Chase Savings account comes with a $5 monthly maintenance fee unless one of the following conditions apply:

  • you’re under the age of 18
  • you maintain at least a $300 minimum daily balance
  • you set up at least one recurring automatic transfer of $25 from a Chase checking account
  • you link your savings to a Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account

The Chase Premier Savings account comes with a $25 monthly maintenance fee unless one of the following conditions apply:

  • maintain a minimum daily balance of $15,000
  • link up a Chase Premier Plus Checking or Chase Sapphire Checking account

All of the additional miscellaneous fees from the table(s) above apply to both of the chase savings accounts.

You won’t earn much in the way of interest on either savings account offered by Chase Bank currently. Current rates vary between just 0.01% and 0.02% APY depending on your relationship standing with the bank. In other words, how many accounts you hold with them and your balances in each.

Huntington Bank Checking Account Bonus – Up to $750!

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Are you hunting (pun intended) for the best checking account bonus? Check out Huntington Bank.

Huntington Bank is currently offering new customers either a $200 or $300 cash bonus for a personal checking account and up to $750 for a new business checking account.

The $200 bonus comes with the personal Perks Checking account and the $300 bonus comes with the Platinum Perks Checking account.

If you’re looking for a business checking account you can earn either $100 for the Business Checking 100 account, $400 for the Unlimited Business Checking account and $750 for the Unlimited Plus Business Checking account.

Find out how to take advantage of these promotions below. There is still plenty of time!

How to Qualify for Each Personal Checking Bonus

image credit: huntington.com

Huntington Bank offers 3 personal checking accounts at this time. These are:

  1. Asterisk-Free Checking – No Bonus.
  2. Perks Checking – $200 Bonus.
  3. Platinum Perks Checking – $300 Bonus.

How to Get the $200 Bonus with a new Perks Checking account at Huntington Bank:

  • deposit at least $1,000 within 60 days of opening and maintain this balance for at least 90 days to earn the $200 bonus.
  • The cash bonus will be deposited into your account within 14 days of completing the above.

How to Get the $300 Bonus with a new Perks Checking account at Huntington Bank:

  • deposit at least $25,000 within 60 days of opening and maintain this balance for at least 90 days to earn a $300 bonus.
  • The cash bonus will be deposited into your account within 14 days of completing the above.

You must fund your account with money that is new to Huntington Bank with the only exception being funds that you’re moving from a matured CD.

Use this link and select “Apply Now” to receive your bonus code and be sure to apply this when opening your new account.

📌 Please Note – There are location restrictions. Only residents of the following states are eligible:

  • Colorado
  • Illinois
  • Indiana
  • Kentucky
  • Michigan
  • Minnesota
  • Ohio
  • Pennsylvania
  • South Dakota
  • West Virginia
  • Wisconsin

You will not be eligible for this promotion if you currently have or have had a checking account with Huntington Bank in the last 6 months (even if you have since closed the account). This includes being listed on an account as a joint owner or beneficiary.

This offer is valid through February 7, 2023. Open an account by then to be eligible. Let’s take a look at each of these personal checking accounts before going into the details of the business checking offers.

Huntington Bank Asterisk-Free Checking Account

There is no monthly maintenance fee for this account. There are also no minimum opening deposit or balance requirements to avoid penalties.

The Asterisk-Free checking account doesn’t have much to it. It does not earn interest or come with many perks, but it does include basic benefits like overdraft protection and free deposits and internal transfers.

There is no fee for in-network ATM transactions but you will pay $3 for every out-of-network ATM transaction. This transaction fee is not reimbursed for this account. There is no fee for using bill pay services, a $0.50 fee per incoming or outgoing Zelle transaction, a $15 fee for each domestic incoming wire transfer and $25 fee for each domestic outgoing wire transfer, and a 3% foreign transaction fee.

You will incur an overdraft fee of $36 when you withdraw beyond the balance of your account, but Huntington offers a 24-hour grace period to all customers to help you avoid this. If you overdraw and get charged the fee, you will have by midnight the next business day to fund your account to cover the full overdraft as well as any pending transactions that will further increase your negative balance in that time. But if you overdraw by less than $50, the fee is waived automatically. 

These account fees and overdraft terms apply to all of the following checking accounts.

Perks Checking Account

This account has a monthly maintenance fee of $10 that can be waived by either maintaining a balance of $5,000 or more in checking and savings accounts with Huntington Bank or by setting up monthly direct deposits of $1,000 or more into the Perks Checking account.

This account currently earns interest at a rate of 0.02% for all balance tiers. Up to five out-of-network ATM fees are waived per statement period and you may be eligible for fee reimbursement if you incur charges at non-Huntington ATMs on these transactions. 

Credit Score monitoring is included with this account at no added cost. This includes a quarterly copy of your Experian credit report, a monthly VantageScore alert, access to a credit simulator to understand how different factors affect your credit, and more.

Platinum Perks Checking Account

This account has a monthly maintenance fee of $25 that is waived when you maintain a combined balance of at least $25,000 across your Huntington accounts.

This account currently earns interest at a rate of 0.03% for all balance tiers. You can make an unlimited number of out-of-network ATM withdrawals at no added cost. In addition to waiving your non-Huntington ATM fee, Huntington will reimburse you for third-party withdrawal fees you may incur but will not cover processing or transfer fees.

Credit Score monitoring is also included with this account for free in addition to Identity Monitoring services. When you enroll in Identity Monitoring, Huntington will monitor your Experian report and internet presence for suspicious activity and report on theft attempts.

How to Qualify for Each Business Checking account Bonus

This promotion allows you to earn either $100, $400, or $750 when you open a qualifying business checking account.

Open one of the following accounts: Business Checking 100, Unlimited Business Checking, or Unlimited Plus Business Checking. 

See the deposit requirements and bonuses for each account below:

  • Business Checking 100 – must deposit at least $2,000 within 60 days of opening and maintain this balance for at least 90 days to earn a $100 bonus
  • Unlimited Business Checking – must deposit at least $5,000 within 60 days of opening and maintain this balance for at least 90 days to a $400 bonus
  • Unlimited Plus business Checking – must deposit at least $20,000 within 60 days of opening and maintain this balance for at least 90 days to earn a $750 bonus

After meeting these requirements, your bonus will be deposited into your account automatically within 14 days of qualifying. You must deposit new money and cannot transfer the funds from another Huntington personal or business account.

Make sure you apply using this link to get your bonus code. You can also open your new account in person by selecting “Open at a Branch” below the offer to request a coupon to be sent to your email and presenting this.

You cannot qualify for this offer if you already have a business checking account with Huntington or have had an account, open or closed, within the past six months.

Note that there are location restrictions for this promotion as well. You are only eligible for a bonus if you live in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, and Wisconsin. 

The deadline to open your new account is February 5th, 2023. 

Note that if you close your account within 180 days of opening, you will not forfeit your bonus but will be charged an Early Account Closing Fee.

Huntington Bank Business Checking 100 Checking Account

This account does not have a monthly maintenance fee and there is no minimum balance required to open or keep your account (except for the $2,000 required to earn the $100 bonus).

The Huntington Business Checking 100 account allows for up to 100 business transactions at no charge per statement period. This includes checks you write or deposit, incoming ACH transfers, purchases made with your debit card, bill payments, and other business-related spending. If you exceed this limit, you will pay $0.50 for each transaction after.

You are permitted to make up to $5,000 in cash or currency deposits per month without incurring any fees. After that, you’ll pay a fee of $0.30 for every $100 you deposit. 

This account does not earn interest. It includes 120 days of a Reverse Positive Pay bonus service at no added cost. This is a fraud protection tool that detects suspicious activity and reports this to you for approval so you can decide if a payment should be returned. After this trial period, this service costs $5 per month if you decide to continue.

Because this account has a lower transaction limit, it’s going to be best for small businesses, entrepreneurs, and startups. But if you see yourself making more than 100 transactions in a month or depositing more than $5,000, check out the next two accounts instead.

Huntington Bank Unlimited and Unlimited Plus Business Checking Account

The following two business checking accounts options are very similar, so we’ll just point out what makes them different.

Huntington Bank Unlimited Business Checking Account

The Huntington Unlimited Business Checking account has a $20 monthly maintenance fee that is waived when you maintain a combined balance of at least $10,000 across your Huntington deposit accounts. This can include all of your checking accounts, savings accounts, MMAs, and CDs with Huntington. This is the only way to waive the fee.

The Huntington Unlimited Business Checking account allows for unlimited business transactions at no charge and up to $10,000 in cash or other deposits per statement period. This option also includes one Bonus Service for free for the entire time the account is open and in good standing. Choose from the following:

  • Reverse Positive Pay – an early fraud detection tool
  • Huntington Deposit Scan – up to 50 free mobile check deposits per month
  • Payroll – 10% off payroll services through Paychex
  • Wires – two free incoming domestic wire transfers per month (otherwise $18 each)
  • Returned Deposited Items – up to 25 free returned items per month (otherwise $13 each)

You choose your Bonus Service when opening your account.

The same overdraft services and terms outlined above apply for this account as well as the Huntington Unlimited Plus Business Checking account. 

This is not an interest-bearing checking account.

Huntington Bank Unlimited Plus Business Checking Account

This account has a $40 monthly maintenance fee that is waived when you maintain a combined balance of at least $50,000 across your Huntington deposit accounts.

The Huntington Unlimited Plus Business Checking account allows for unlimited monthly business transactions and up to $25,000 in cash or currency deposits per statement period.

This account earns interest by balance, but you’ll need to talk with a representative to find out what rate you qualify for. Rates are not publicly disclosed.

Two Bonus Services are included with this account at no added cost. Choose from Fraud Tool, Huntington Deposit Scan, Payroll, Wires, and Returned Deposited Items when setting up your account.

We recommend this account for you if you have a larger business and will be able to take advantage of the transaction and deposit limits and suite of available perks. 

Final Thoughts

These are decent checking accounts overall when you can qualify for the bonus offers. If you plan to keep a high balance and can avoid the monthly fees, then the Perks or Platinum Perks Checking are rewarding offers.

Just be sure you’ll be able to meet the requirements to avoid the monthly fee. If you’re looking for a free option, check back periodically because their “Asterisk-free Checking” account has provided a bonus in the past.

Lastly, the rates on the accounts that do earn interest are not competitive at all while APYs (annual percentage yields) are rising across the board right now.

Best Bank Promotions & Cash Bonuses for 2022: No Direct Deposit Requirements

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Have you ever gone to apply for a new bank account to get a bonus offer only to find out that the only way to get the bonus was through direct deposit? This can be frustrating if you’re someone who doesn’t get a direct deposit–maybe you’re self-employed or work as a freelancer–or you don’t particularly want to change where your direct deposit is going.

If you’re looking for a bank promotion without direct deposit requirements, here are our top [#] picks for checking and savings accounts that pay you to become a new customer. Get these bonuses through qualifying activities such as making transactions, depositing money yourself, or meeting balance requirements.

CitiBank – $200 – $2,000

This is far and away the best checking offer available right now and there is still plenty of time to get it. Read to find out if you’re eligible.

While this bonus doesn’t require you to set up direct deposit, it does require a high minimum opening deposit of at least $10,000 to qualify for the lowest bonus. The amount you deposit determines which bonus you qualify for. See the table below:

Min. DepositCash Bonus
$10,000$200
$35,000$500
$75,000$1,000
$200,000$1,500
$300,000$2,000

Here are the steps to qualify:

  1. Use this link when signing up for an account online in order to access the offer. 
  2. Deposit new money (can’t be moved from another Citi checking or savings account) into your account within 20 days of opening. The balance of your account on its 20th day is used to determine your bonus eligibility.
  3. Maintain this balance for 60 more days.

If you meet these requirements, your bonus will be deposited automatically into your account within 90 calendar days. 

Only new customers over the age of 18 are eligible. Existing customers do not qualify. If you have owned a Citi bank account in the last 180 days, even if you’ve closed it, you are not eligible for a bonus.

This offer is valid through January 9th, 2023. If you’re really set on one of these accounts, this gives you a few months to save up the money you need to be eligible for a bonus. As long as you open your new account before the deadline, you can still get the bonus.

The four checking accounts that qualify for this offer are: 

  • Basic Banking Checking account – no minimum opening deposit requirement, $12 monthly maintenance fee that is waived when you maintain an average balance of at least $1,500
  • Citibank Checking account – no minimum opening deposit requirement, $25 monthly maintenance fee that is waived when you maintain an average balance of at least $10,000
  • Citi Priority Checking account – no minimum opening deposit requirement, $30 monthly maintenance fee that is waived when you maintain an average balance of at least $50,000
  • Citigold Checking account – no minimum opening deposit, no monthly maintenance fee (but you must maintain a collective balance of at least $200,000 in order to stay eligible for Citigold membership and keep your account)

Although Citi’s checking accounts and sign-up bonuses don’t have deposit requirements, they do have pretty high monthly fees that are tough to waive unless you keep a high balance.

Huntington Bank – $200 or $300

Now through February 7, 2023, Huntington Bank is offering either $200 or $300 to new checking account customers who meet deposit requirements and reside in a qualifying state. No direct deposit transactions are required to qualify, you can deposit new money however you choose.

There are two different checking accounts that are eligible for the bonus, and the qualifying deposit is different for each:

  • Perks Checking account – must deposit at least $1,000 within 60 days of opening the account and keep the funds there for at least 90 days to earn a $200 cash bonus.
  • Platinum Perks Checking account – must deposit at least $25,000 within 60 days of opening the account and keep the funds there for at least 90 days to earn a $300 cash bonus.

After meeting these requirements, your bonus of $200 or $300 will be deposited into your account automatically within 14 days. 

Use this link when signing up for your new account to unlock the bonus offer. You just have to open, not fund, the account by February 7, 2023.

It’s important to note that this offer is only available in select states whether you apply online or in person at a Huntington branch. These are Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, and Wisconsin.

Both the Perks and Platinum Perks checking accounts are interest-bearing and come with credit score monitoring. The Platinum Perks account also comes with identity theft monitoring and unlimited non-Huntington Bank ATM withdrawals. With the Perks checking, only 5 non-Huntington Bank ATM withdrawals are permitted per statement cycle.

Customers who already have a checking account with Huntington, including those who have closed an account in the past six months, do not qualify.

There is also a business checking account bonus up to $750 as well. You can learn more here.

Chase Business Complete Banking Checking Account- $300 (Business)

Looking to open a new business checking account? New Chase customers can earn a bonus of $300 when they open a Business Complete Banking account and meet activity requirements. This is the Chase Business Complete Banking checking account.

To qualify, the first thing you need to do is deposit at least $2,000 in new-to-Chase money into your account. You must do this within 30 days of coupon enrollment or signing up for your account through this offer to qualify. You also need to maintain a balance of $2,000 in this account for a total of 60 days after opening.

Next, you need to make at least 5 qualifying transactions within 90 days of opening your account. A qualifying transaction can be a debit card purchase, ACH credit, Chase QuickDeposit, Chase QuickAccept deposit, or Chase Online Bill Pay transaction. You can begin making these transactions as soon as your account is open.

After meeting these two requirements, you will receive your bonus of $300 automatically in your account within 15 days of qualifying.

There is a $15 monthly maintenance fee for this account that can be waived in one of five ways:

  • Maintaining an average monthly balance of $2,000 in this account
  • Making at least $2,000 total in transactions using a linked Chase Ink Business credit card
  • Receiving $2,000 total in QuickAccept transactions or other merchant services solutions each statement period
  • Providing valid ID to prove that you are a U.S. military member, active-duty or retired
  • Linking this account with a Chase Private Client Checking account (to qualify, you need either a combined balance of $150,000 or more across all of your Chase deposit and investing accounts or a Chase Platinum Business Checking account)

This promotion is valid through February 16, 2023. You do not need to meet the full requirements of the bonus offer by this deadline, just successfully open the account by the deadline.

Chase Secure Banking Checking Account – $100

It’s not $300, but Chase is also offering a $100 bonus to new personal checking account customers. The only account that qualifies for this offer is the Chase Secure Banking checking account.

To get the bonus, you need to open a new account using this link and complete 10 qualifying transactions within 60 days. These can be purchases made with your debit card, online bill payment, QuickDeposits, ACH credits, or Zelle transfers. There are no other deposit or balance requirements you need to meet. Overall, this is probably one of the easiest offers to qualify for even if it’s not the best bonus.

After meeting the requirement for the bonus, you will have $100 deposited into your account automatically within 15 days of qualifying.

There is no minimum opening deposit required when opening this account. The monthly maintenance fee of $4.95 for this account cannot be waived regardless of your balance or activity.

This is a pretty basic checking account that is mostly free to use. There are no fees for money orders or checks, for using Chase Online Bill Pay, for making ATM withdrawals or deposits at in-network ATMs, or for sending money through Zelle. It does not earn interest.

You can’t qualify for this bonus if you already have a Chase checking account, have closed a checking account in the past 90 days, or have closed a checking account that had a negative balance in the past three years. Also, if you do qualify for and get the bonus offer but then you close your account in less than six months after opening it, Chase will deduct the bonus amount at the time of closure.

This offer will expire on January 25th, 2023, so make sure to open your account by then if it feels like a good fit.

Chase College Checking Account – $100

Yet another bonus offer from Chase but for college students this time, new customers qualify to earn $100 when opening a Chase Collecting Checking account.  

This promotion is really similar to the above offer for business checking customers. All you have to do is use this link to apply for an account and make 10 qualifying transactions within 60 days of opening your new account. These can be debit card purchases made with your debit card, online bill payment, QuickDeposits, ACH credits, or transfers through Zelle. 

After meeting this requirement, the $100 bonus will be deposited into your account automatically within 15 days of qualifying. You do not need to maintain a minimum balance to qualify. 

There is a $6 monthly service fee that is automatically waived for college students between the ages of 17 and 24 (up to five years) when you provide proof of your enrollment at a college or university and give your expected graduation date.

This offer is valid through January 25th, 2023.

Huntington Bank Business Checking – $100, $400 or $750

Huntington Bank is offering a generous cash bonus to new customers who open any one of their 3 business checking accounts. The bonus is dependent on making certain minimum deposits to the account. See below for details.

  1. Business Checking 100 – Earn a $100 bonus when you deposit $2,000 or more.
  2. Unlimited Business Checking – Earn a $400 bonus when you deposit $5,000 or more.
  3. Unlimited Plus Business Checking – Earn a $750 bonus when you deposit $20,000 or more.

Use this link to enroll in either offer and open your new account. You can apply online or at a Huntington branch. If you have a business or personal checking account with Huntington already or have closed an account with the bank in the past six months, you will not be eligible. 

This offer expires on February 5th, 2023. Open your account by this deadline to qualify.

Unlimited Business Checking Account – $400

To qualify for the Unlimited Business Checking account bonus, you need to deposit at least $5,000 into your account within 60 days of opening and maintain this balance for a total of 90 calendar days. After meeting this requirement, your bonus of $400 will be deposited into your account automatically within 14 days of qualifying.

There is a $20 monthly maintenance fee for this account that is waived when you maintain a minimum balance of at least $10,000 across your relationship accounts. This account allows you to make up to $10,000 in cash or check deposits per month at no added cost ($0.30 for every $100 after that) and includes one Bonus Service of your choosing. 

Available Bonus Services include:

  • Fraud Tool for early detection of fraudulent activity
  • Huntington Deposit Scan – for up to 50 free mobile deposits per month
  • Payroll – for up to 10% off payroll services by Paychex
  • Wires – up to two free incoming domestic wire transfers per month
  • Returned Deposited Items – up to 25 free per month

Unlimited Plus Business Checking – $750

To qualify for the Unlimited Plus Business Checking account bonus, you need to deposit at least $20,000 into your account within 60 days of opening and maintain this balance for a total of 90 calendar days. After meeting this requirement, your bonus of $750 will be deposited into your account automatically within 14 days of qualifying.

There is a $40 monthly maintenance fee for this account that is waived when you maintain a minimum balance of at least $50,000 across your relationship accounts. This account allows you to make up to $25,000 in cash or check deposits per month at no added cost and includes your choice of two Bonus Services.

PNC Bank Business Checking Account – $200 or $500

Open a new PNC Bank business checking account by December 31st, 2022 to qualify for either $200 or $500.

To qualify for $200, you need to open a new Business Checking or Business Checking Plus account by the deadline and maintain an average minimum balance of at least $5,000 for the first three months. Also within the first three months of opening, you need to make at least 20 qualifying transactions with your PNC Bank Visa Debit Card. You will get the bonus automatically within 90 days of qualifying. The fees are:

  • $10 monthly maintenance fee for the Business Checking account that is waived when you maintain an average collected balance of $500
  • $20 monthly maintenance fee for the Business Checking Plus account that is waived when you maintain an average collected balance of $5,000

To qualify for $500, you need to open a new Treasury Enterprise Plan or Analysis Business Checking account and maintain an average ledger balance of at least $30,000 for the first three months. There are no transaction requirements. You will get the bonus automatically within 90 days of qualifying. The fees are:

  • $50 monthly maintenance fee for the Treasury Enterprise Plan that is waived when you maintain an average collected balance of $30,000
  • $25 monthly maintenance fee for the Analysis Business Checking account

Use this link when applying to enroll in the coupon and be eligible for the bonus.

Alliant Credit Union Savings Account – $100

Not really looking for a new checking account? Open a savings account online with Alliant Credit Union Ultimate Opportunity Savings Account.

This bonus takes commitment to unlock and, unfortunately, isn’t as simple as making a deposit or transactions. To qualify, you need to use this link to open a new account. Then, deposit at least $100 into the account each month for 12 months in a row. If you have done this, you’ll get the $100 bonus automatically after the 12 months are up. It doesn’t matter what your balance is as long as you’ve made $100 deposits.

You need to maintain a minimum balance of at least $5 to keep your account open and a balance of $100 to continue earning interest.

Right now, the interest rate for this account is 2.50%. Considering the national average APY for a savings account sits at 0.24%, that’s definitely not bad. And actually, this account has had one of the best rates available across the board compared to other banks and credit unions for quite a while.

To open this account, you need to become an Alliant member. Anyone who lives in the U.S. can become a member even if they don’t live or work in a qualifying community by joining the Foster Care to Success organization. Alliant will pay the $5 membership fee on your behalf when you sign up.

There is no expiration date for this ongoing offer.

Discover Online Savings Account – $150 or $200

If you’re thinking about opening a new savings account with Discover Bank, now’s a good time to do it. Now through December 15th, 2022, new customers who open an Online Savings account and meet deposit requirements can qualify for a bonus of $150 or $200. 

Whether you earn $150 or $200 depends on how much you deposit. To get $150, you need to deposit at least $15,000 into your account within the first 30 days of opening. To get $200, you need to deposit at least $25,000 within 30 days of opening. Your bonus will be deposited into your account automatically within 30 days of qualifying. Use this link to open your new account.

The Discover Online Savings account is variable and currently yields an above-average APY of 3.00%. There is no monthly maintenance fee, low balance fee, or minimum opening deposit for this account.

You can’t qualify for the bonus if you currently or have had a Discover online savings account in the past.

Final Thoughts

Many great bank account bonus offers make you link your direct deposit in order to qualify, but you’re not out of luck if you don’t want to go this route. Use this article to find the right new personal or business checking or even savings account for you and qualify for a bonus by making deposits, transactions, and other activities.

You’ll notice that a lot of these offers have pretty high deposit or balance requirements to qualify. If you do decide to open one of these accounts as a new customer, make sure you grab the correct link when opening so that you can unlock the bonus you’re going for and it won’t be a waste.

Varo Money – Now up to 5.0% APY!

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image credit: varomoney.com

Varo Bank is a trendy, one-hundred percent digital bank based out of San Francisco that offers its entire product suite through its mobile apps on IOS and Android.

Varo has two main accounts. An online checking account that comes with a Varo Debit card, and an online savings account.

The checking account is about as hassle-free as they come and provides many services for free that typical brick and mortar institutions generally do not. These include:

  • no monthly maintenance fees of any kind,
  • no transfer fees or debit card replacement fees and
  • no foreign transaction fees.

There is also no minimum balance requirement to keep the account open and you can activate it with a minimum deposit of just $0.01.

The online savings account features one of the top yields on the market for FDIC-insured accounts and has the ability to earn even more if you open and use the online checking account and its debit card.

With the savings account, you’ll immediately earn a competitive APY (annual percentage yield) of 2.00%.

If you open it with a checking account, you’ll have the ability to earn up to 5.0% APY on balances under $5,000. You’ll have to meet a couple monthly requirements to earn that advertised APY, however. You can see those details further below.

Like the checking account, the savings account has no fees or minimum deposit requirements and you can start earning the exceptional APY once you place your first deposit into the account.

Full details on both accounts and Varo Bank continue reading our review below.

Varo Money Online Savings Account Details + APY

Like other online banks, Varo is member FDIC and accounts are insured up to $250,000 combined.

Varo Bank’s online savings account offers tiered yields. You immediately start earning an APY of 2.00% but can earn up to 5.00% APY on balances of $5,000 and below if two specific conditions are met each month.

These are:

  1. You must receive a minimum of $1,000 in qualifying direct deposits, AND
  2. Keep at least 1 penny in both your Varo bank account and Varo savings account (i.e. end the month with a positive balance).

Varo Bank Online Savings Account Rate Tiers

BalanceAPYConditions Met?
$0 – $5,0005.00%Yes
$0 – $5,0002.00%No
$5,000 +2.00%Yes
$5,000 +2.00%No

To give the yields above some context, the current national average for a savings account sits at just 0.17% APY according to recent FDIC data. That said, there are now a handful of online banks paying 2.50% – 3.00% APY on all balances following the FED’s most recent rate hike of 0.75%.

Outside of the solid yield, Varo’s savings account has some helpful tools that allow you to automate your savings (more in the features section below). Plus, package your savings and checking account together for better insights into your spending habits and how much you’re able to save each month.

Opening a Varo Checking Account

Getting your Varo Money checking account set-up is a fairly quick and straightforward process that can be done online in minutes.

To get started, navigate to the Varo checking account page and either submit your email, or click on the black “Get Started” button in the upper right. If you choose to submit your email, they will email you a link to navigate to the same sign-up page, but your email field will be filled out already.

When filling out your basic information you will want to have the following pieces of information handy:

  • email address (if you haven’t submitted it already)
  • full name
  • date of birth
  • address
  • social security number

After you complete the application process, you will be directed to download the app from the Apple or Google Play store to begin funding and managing your account(s). Remember, the entirety of this digital bank’s products and services are accessed and managed solely through their native apps.

Once you’ve downloaded the app and opened the checking account, you’ll be ready for your first deposit. If you have any questions or get stuck during this process you can email – help@varomoney.com – and you should receive a prompt response.

Varo Money Checking Account Features

Three noteworthy features of Varo’s online checking account.

The Varo Money checking account has several noteworthy features and very little drawbacks.

For starters, the nature of Varo Bank and its digital product suite allow for Varo to save on costs and pass these savings along to consumers in the form of no-fee accounts with above average interest rates. Without an expensive branch network, staff, rent and utilities, Varo is able to simplify its product offerings and make them extremely low cost.

Second, Varo Checking account consumers are provided a debit card that can be used for free at 55,000+ AllPoint ATMs around the country. These ATMs are generally found in places like Walgreens, CVS, and target.

If you have cash to deposit into the account, you can do this at any of the 90,000+ retail locations using Green Dot Reload. We should note that fees and cash deposit limitations will apply. You can see a complete breakdown of these fees by retailers in our table further below.

On top of this, you can easily transfer money freely between Varo accounts and even connect a popular payment app like Apple Pay™, Google Pay™, PayPal, Cash App, or Venmo to pay for everyday purchases.

No credit checks of any kind will be run by Varo to open their checking account. In some instances they may request identity documentation, but your credit report, history, or FICO score will not be checked.

If you set up direct deposits with Varo checking, you’ll also be provided access to your funds up to two days in advance.

If you choose to open the savings account along with the checking account, Varo has some great tools available that allow for automatic transfer from your checking to savings to allow idle cash to grow with a lucrative APY.

The two noteworthy automated savings features are:

  • Save Your Pay lets you choose and set up the automatic transfer of a certain percentage of your direct deposits to your savings account. This is similar to Wells Fargo’s Way2Save product, except in Varo’s case you get to select the percentage.
  • Save Your Change rounds up every transaction from your checking account to the nearest dollar and automatically transfers these funds to your savings.

ACH Transfers

As mentioned, Varo Money stands out from the pack with its lack of fees – especially when it comes to moving money around.

The average domestic wire charge in the US sits at a hefty $25. With Varo Money, you have the ability to move money around via ACH transfers for free.

There are two kinds of ACH transfers, both of which can be set up by Varo Money. These are:

  1. ACH debit transactions “pull” the money from your account, like for an automatic bill payment.
  2. ACH credit transactions “push” money into your account, like a direct deposit of your paycheck or tax refund.

To set up either of these kinds of ACH transfers, you will need your Varo Bank account number and the routing number of the other party’s financial institution.

The time frame in which the money is received is generally between 1 – 4 days. Here a more specific breakdown:

  • If you initiate the ACH transfer in your Varo app to or from an external bank account you own, it will take 2–4 business days.
  • If you initiate the ACH transfer from an external bank account to Varo, it will generally take 1–2 business days.

Potential Fees to Look Out For

Depending on where you use your debit card and how you add funds to your account, you may encounter fees from time to time.

If you plan on making cash deposits, you will encounter a fee each time. These fees will vary by retailer. Below is a list of fees and limitations when depositing cash into your Varo account. You can read more about the fees and limits listed below on Varo’s support page here.

Varo Cash Deposit Fees & Limits by Retailer

RetailerLimitPrice
7-Eleven$500$4.95
Albertsons$500$4.95
ACE Cash Express$1,500$4.50
CVS$500$4.95
Dollar General$500$3.95
Dollar Tree$500$4.95
Family Dollar$500$3.95
Rite Aid$500$4.95
Safeway$500$4.95
Vons$500$4.95
Walgreens$500$4.95
Walmart$1,000$3.74

The other potential fee to look out for is usage of non-Allpoint ATMs. Varo imposes a $2.50 fee per transaction, but the bank or ATM owner may charge an additional fee on top of that.

Bank of America $100 Checking Account Bonuses [2022]

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[📌 Update August 2022 – Originally set to expire in June of 2022, Bank of America has extended their $100 bonus for new checking account customers through the end of the year. See details below.]

Bank of America is known for throwing around cash bonuses to incentivize new account sign-ups. Today, they offer only one noteworthy promotion: $100 for new checking account customers.

In this review, we will go over which accounts are eligible for the $100 bonus and how to qualify for it as a new customer.

Which Bank of America checking accounts are eligible for a $100 Bonus

Right now, three different Bank of America checking accounts are offering a $100 signup bonus to new customers. These are:

  1. Bank of America Advantage SafeBalance Banking account
  2. Bank of America Advantage Plus Banking account
  3. Bank of America Advantage Relationship Banking account

The three eligible checking accounts offer different features and have different requirements for waiving monthly fees. We’ll dig into these after covering how to get the bonus for all three.

How to Get the $100 Bonus

The requirements for getting the $100 sign-up bonus are the same for each of the three accounts.

Valid through December 31, 2022, you don’t want to sleep on this bonus if you’re already planning on joining Bank of America and opening a checking account. Remember that you can’t qualify as an existing customer no matter what kind of account you have with Bank of America.

Here’s what you need to do: 

  1. Use this link to access the offer.
  2. Open one of the three Bank of America Advantage Checking accounts (SafeBalance, Plus, or Relationship).
  3. Use the offer code DNL100CIS when opening.
  4. Set up and receive qualifying direct deposits totaling at least $1,000 within 90 days of enrolling.

Bank of America Advantage SafeBalance Banking Account

The Bank of America Advantage SafeBalance checking account, advertised as the “check-less banking account that helps you stay within your balance,” is good for those that may need help saving and want the accountability of overdraft prevention. A minimum deposit of $25 is required to open this account.

The primary feature here is that rather than charging you a fee when you overdraw your account, transactions will simply be declined or returned unpaid if you do not have the money available. Because this account doesn’t permit overdrawing, it also doesn’t charge an overdraft fee.

A monthly maintenance fee of $4.95 will be assessed if you do not meet the single criterion for having it waived, which is simply to enroll in the Preferred Rewards program. This is an elite eligibility program offering additional benefits such as interest boosts and fee reductions to clients with an eligible checking account and a 3 month combined average balance of $20,000 or more across all BofA banking and investment accounts.

This fee will also be waived for students enrolled in high school, college, a university, or vocational school that are younger than 25 years old. 

Other fees to look out for include a $5 paper statement fee, a $15 fee for incoming domestic wire transfers and a $30 fee for outgoing, and a $12 fee for each returned domestic deposit. See the clarity statement for this account for a complete list of fees.

With a SafeBalance Checking account, you will be able to make payments via a debit card, online or mobile transfer (Zelle), or through online/mobile bill payment.

Remember, this basic checking account does not have check-writing capabilities (and if you do try to write a check, it’ll be returned unpaid). There is no fee when you make transactions through a Bank of America ATM, but you will be charged a $2.50 fee for using out-of-network ATMs in the U.S. and $5 for using out-of-network ATMs outside of the U.S.

Keep in mind that though Bank of America won’t charge you for attempting to overdraw this account (because it doesn’t allow overdrafts), third parties might. Set up email or mobile alerts with BofA when your account balance gets low if you’re worried about this.

With this and each checking account to follow, you’ll be able to enroll in fraud protection, make mobile check deposits, and bank digitally online or through the Bank of America mobile app.

Bank of America Advantage Plus Banking Account

A Bank of America Advantage Plus Banking account is more of a standard checking account option than the SafeBalance account and requires a $100 opening deposit.

It comes with a $12 monthly maintenance fee, but this can be waived in one of three ways:

  1. By linking a direct deposit of at least $250,
  2. Maintaining the minimum average daily balance requirement of $1,500, or
  3. Enrolling in Preferred Rewards (see above section for details about this program).

If you choose to set up direct deposits into this account, they must be for $250 or more (each).

This account also waives the fee for students under the age of 24.

Unlike the SafeBalance account, you may write checks with Advantage Plus. Please see the Advantage Plus account clarity statement for more information about check writing.

This checking account does allow overdrafts, unlike the previous option, and you will be charged $35 for each overdraft item. ATM withdrawals will not be permitted when you have an insufficient balance at the time of a transaction.

Overdraft Protection

If you enroll in an Overdraft Protection plan, you can avoid the possibility of withdrawing outside of your means and being charged for it. The three Overdraft Protection plan options allow you to withdraw funds from another deposit account (Balance Connect), from your credit card, or from your line of credit to prevent you from overdrawing your checking account.

Overdraft Protection from another deposit account will enable BofA to automatically transfer available funds from one of your other accounts when an overdraft is attempted.

Overdraft Protection from your credit card will automatically advance available funds from the linked credit card as long as it is in good standing.

The final option, Overdraft Protection from Your Line of Credit, will automatically advance funds from your linked line of credit as long as this does not cause you to exceed your available credit. Please note that Overdraft Protection transfers incur a fee of $12 each.

You can use overdraft protection for up to five accounts.

Bank of America Advantage Relationship Banking Account

Finally, there is the Bank of America Advantage Relationship checking account. This option is generally best for higher net worth individuals. This is an interest-bearing checking account that may qualify you for fee waivers on other BofA services, but you’ll need to maintain a high balance of $10,000 to avoid the monthly fee.

Right now, this checking account is currently earning an APY of 0.01% on balances less than $50,000 and 0.02% on balances of $50,000 or more. This rate is not fixed or guaranteed and the minimal interest you earn is credited and compounded monthly.

There is a $25 monthly maintenance fee tied to this account that can be waived by:

  1. Maintaining a combined balance of at least $10,000 or more in eligible linked BofA accounts. Combined balances include average daily balance in BofA checking and savings accounts AND current balances in CDs, IRAs, AND current balances in Merrill investment accounts.
  2. Enrolling in Preferred Rewards (see above section for details about this program).

ATM withdrawals from insufficient funds will not be permitted. The overdraft item fee is $35 as it is with the other two accounts.

You may also choose to enable Balance Connect overdraft protection to connect up to five accounts to help cover transactions that would overdraw available funds for this account. Linking your own checking and savings accounts to cover your overdrafts can help you avoid overdraft fees.

Final Thoughts

Bonus offer aside, these checking accounts are decent and suitable for large segments of the population.

They’re about as flexible overall (with the SafeBalance being the most rigid) as your average checking account from any big bank. Like Chase and Wells Fargo, they require average daily balances and will charge monthly maintenance fees if these aren’t met.

That said, if you choose the checking account that makes the most sense for you based on your income, you should be able to avoid these fairly easily.

If you’re still not sold on a checking account with Bank of America, you may want to check out the cash promotions going on at Wells Fargo and Chase Bank to see how they compare.

Chase Checking Account Bonuses: $100 – $300

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If you’re a new Chase customer opening a College, Total, or Business Complete Banking checking account, you qualify for a welcome bonus offer of $100, $200, or even $300, respectively. Yes, up to $300.

There are pros and cons to each of these accounts, so you’ll want to learn more about the options before you decide.

Read more about these bonuses and how to get them, plus review the checking account terms, potential fees and how to avoid them in our guide below.

Chase College Checking Account + $100 Sign-Up Bonus

A Chase College Checking account is perfect for students ages 17 to 24 years old.

They’re fairly basic and don’t come with many bells and whistles. They do, however, offer a safe place to stash cash while in school and with great accessibility.

This account does not require a minimum opening deposit to open and a $6 monthly maintenance fee can be waived. See section below for details.

To open one of these, you’ll need to prove that you’re a student at a college or university with a transcript or acceptance letter. You’ll also need to have a Social Security number (if you don’t, visit a branch to discuss your options). This account can be opened online or in person.

How to waive the $6 monthly fee?

The $6 monthly maintenance fee associated with this account can be waived by doing just one of the following:

  1. prove that you are a college student by providing your student ID, college name, and expected date of graduation (waive the fee for up to 5 years),
  2. set up an electronic deposit into this account (such as ACH transfer or direct deposit), or
  3. maintain an average daily balance of at least $5,000.

This account (and all other Chase checking accounts) offer Overdraft Protection through standard overdraft practice.

If you choose to opt into this, you must link your checking account to your Chase savings account. Then Chase will make payments for you from the savings account when you overdraw your checking account. Note that this is done at their discretion and there is no guarantee it will happen every time.

In the event of an overdraft, you will incur a $34 fee. You will also incur a $34 fee every time a check or automatic payment is returned due to insufficient funds.

Chase also offers Debit Card Coverage, which, when activated, will decline transactions—without charging a fee—that would cause your account balance to go negative. Sign up for account alerts when your balance gets low and opt into this Debit Card Coverage if you’d like to avoid declined payments or overdrafts and the fees that come with them.

Other fees associated with this account include:

  • $15 per incoming wire transfer,
  • $35 per outgoing domestic wire transfer,
  • $12 returned check fee,
  • $2 for each page of printed personal checks. 3 per page.
  • $2.50 charge for out-of-network ATM usage.

See this ​deposit account agreement​ for a complete list of fees for all accounts

How to qualify for the bonus:

To qualify for the $100 bonus, make sure you make 10 qualifying transactions—such as purchases with your debit card, QuickDeposits, online bill payments, etc.—within 60 days of opening the account and using the welcome coupon from this link to access the offer. You must open your new account using this coupon by October 19, 2022, to qualify for the bonus.

Chase Total Checking Account + $200 Sign-Up Bonus

The Chase Total Checking account is one of the bank’s more popular deposit products. And from now until October 19, 2022, this account features a $200 sign-up bonus for new customers.

How to qualify for the bonus:

Get $200 when you open a new Chase Total Checking account and set up direct deposit within 90 days of coupon enrollment (using the coupon code you receive through this link to register for an account).

To earn the $200 bonus you will need to set up a direct deposit to this account within 90 days of opening it. This direct deposit must come from an employer, government agency in the form of benefits (social security) or pensions. Person-to-person payments are not considered direct deposits.

The direct deposit requirement to earn the cash bonus is often the largest ‘catch’ for offers like these. Many other banks have similar terms for their bonuses.

Fees and how to avoid them:

This account has a $12 monthly service fee that you can avoid by meeting one of the following criteria:

  1. setting up electronic deposits totaling $500 or more,
  2. maintaining an average daily balance of at least $1,500 in just this account, or
  3. maintaining an average daily balance of at least $5,000 across all linked deposit and investment accounts.

The insufficient funds and returned item overdraft fees of $34 each apply to all Chase checking accounts, and so does Debit Card Coverage, if you choose to use it. Overdraft protection options are also the same on all accounts.

This is a standard checking account, which doesn’t earn interest.

Chase Business Complete Banking + $300 Sign-Up Bonus

The Chase checking account that will give you the highest signup bonus—$300—is the Business Complete Banking checking account, which offers business features such as Chase QuickDeposit and QuickAccept. QuickAccept allows you to accept and manage payments for purchases. You can also:

  • Issue refunds
  • Track disputes
  • Accept contactless or manual payments through the Chase app
  • Receive same-day deposits

Fees for this service are 2.6% + $0.10 for transactions that are tapped, dipped, or swiped and 3.5% + $0.10 for transactions that you enter manually from the Chase app.

How to qualify for the bonus: 

Because this is a business account, the requirements for receiving the bonus are a bit different than the other two accounts we’ve featured so far. 

To qualify, you must deposit at least $2,000 in new money into this account within 30 days of opening and maintain this balance for at least 60 days. You must also make at least five qualifying transactions (which include debit card purchases, QuickAccept deposits, ACH transfers, wires, and bill pay.

Once these requirements are met, the $300 bonus will be directly deposited into your account within 15 business days.

This bonus offer is valid now through October 19, 2022. You must use this link to get your sign-up coupon code and receive the bonus after reaching the requirements.

Fees and how to avoid them: 

This account’s $15 monthly maintenance fee can be avoided by:

  1. Maintaining an average daily balance of at least $2,000
  2. Making at least $2,000 in transactions using your Chase Ink Business credit card
  3. Receiving at least $2,000 in deposits from QuickAccept transactions or payments from a third party platform
  4. These qualifications must be met every statement period.

You can also avoid this fee if you are an active-duty U.S. service member (must provide identification as proof) or Chase Private Client.

If you are the owner of a Chase Business Complete Banking checking account, you’ll have:

  1. Unlimited electronic deposits, ACH transfers, and Chase QuickDeposit transactions,
  2. Free check monitoring services,
  3. Account activity alerts.

About Chase Bank Checking Accounts + Customer Sentiment

The Chase checking account options range from the very basic but less rewarding College checking account, to a benefits-packed Business Complete Banking account. All three options have their advantages. The majority of customers opt for a Total checking account, but Chase has an account that’ll work for nearly anyone.

Please note that there are even more Chase checking accounts to choose from, but these are the most popular accounts and the ones that most frequently offer signup bonuses.

This bank is very good at meeting its clients’ needs according to review agencies.

According to a study conducted by J.D. Power in 2019, Chase scored 846 on a 1,000 point scale in customer satisfaction and was tied for 2nd in a ranking of banks with the highest overall satisfaction score (the national average is 838).

Per this press release:

“Customers of Chase recognize the bank for providing innovative technology, having the lowest incidence of problems, and high satisfaction associated with credit cards and ATMs.”

As one of the largest and highest-asset banks in the U.S., it should come as no surprise that Chase has thousands of ATM and branch locations across the country. As of March 2022, there are over 17,000 ATMs with 5,100 Chase branches.

It’s also worth noting that the Chase mobile banking app is superb. It is easy to navigate and allows you to do anything you may need to do, from account management to getting help with a question. Across the millions of Apple and Android customers that use this app the vast majority are happy with it – scoring a 4.8 star and 4.4 star rating, respectively. This cannot be overstated, as many much less popular banking apps receive lower ratings.

Final Thoughts

Chase Bank offers far-reaching access through their branches and ATM networks, comprehensive online banking and mobile app features, and cold hard cash for new accounts.

Just remember, these three bonus offers are not available to existing Chase customers. But if you are new to Chase and in need of a checking account, you’ll likely find a home with one of these accounts.