Chase Bank operates as the largest retail bank in the United States by branch count, headquartered in New York City as a division of JPMorgan Chase & Co., with over 4,700 branch locations and 17,000+ ATMs nationwide, serving over 80 million customers through comprehensive personal and business banking, industry-leading credit cards with Ultimate Rewards program, competitive mortgage products, digital banking innovation, and 24/7 customer support. As a financial powerhouse managing over $3.7 trillion in assets, Chase Bank combines massive national scale with digital excellence including award-winning mobile app features, Zelle person-to-person payments, advanced security, and relationship-based checking accounts with relationship CD rates substantially higher than standard offerings—making it the banking choice for millions prioritizing convenience, credit card rewards, and digital banking features. Whether you’re searching for Chase Bank login instructions, trying to find branch hours and when locations open/close, exploring CD rates and comparing against competitors, understanding Zelle availability, managing account closures, checking routing numbers, seeking personal loans, or evaluating whether Chase is a good bank, this comprehensive 2025 guide covers everything you need to know about banking with Chase Bank—from digital access and physical locations to product offerings and honest customer reviews.
What You’ll Discover: This authoritative guide explains Chase Bank from every angle — the bank’s position as America’s largest retail bank by branch count (4,700+) and second-largest by assets ($3.7 trillion), complete login guide for Chase online banking (chase.com) and mobile app with biometric security (fingerprint, Face ID), detailed step-by-step Zelle enrollment for person-to-person payments with send/request/receive instructions and limits, comprehensive hours of operation (typically 9 AM – 5 PM weekdays, 9 AM – 1 PM Saturday, closed Sunday), 2025 holiday schedule with Juneteenth (June 19) closure detailed, standard CD rates (0.01% for most terms) vs. relationship CD rates for checking account holders (up to 3.70% APY on 5-month term for $100,000+ deposits), why Chase closes accounts (suspected fraud, excessive overdrafts, identity verification issues, account term violations), how to close accounts, personal loan options including My Chase Loan (uses existing credit card limit), Chase credit cards (Ultimate Rewards program, up to 5% cash back), business banking, automatic routing number information (varies by location/product), FDIC insurance protection, 24/7 customer service (1-800-935-9935 for personal banking), Zelle integration in mobile app, detailed customer reviews (strong digital banking vs. mixed service experiences), competitive comparison with Bank of America, Wells Fargo, and others, detailed pros and cons, and comprehensive FAQ answers addressing all required questions. Whether you’re a current Chase customer seeking help, someone evaluating America’s top banks, or exploring digital banking and rewards features, this guide provides authoritative information about banking with Chase Bank.
What Is Chase Bank? (History, Scale & Overview)
Chase Bank is the largest retail bank in the United States by branch count (4,700+), operating as a division of JPMorgan Chase & Co., managing $3.7 trillion in assets, and serving 80+ million customers through personal banking, credit cards, mortgages, loans, and digital banking available 24/7.
Banking Heritage & Market Position
Chase Bank’s story reflects over 150 years of banking expertise and strategic growth:
- Founded: 1799 (225+ years of banking heritage through predecessors)
- Current Structure: Division of JPMorgan Chase & Co. (NYSE: JPM), one of the world’s largest financial institutions
- Global Presence: Operates in 100+ countries with investment banking, wealth management, and consumer banking divisions
- Headquarters: 383 Madison Avenue, New York City
- Market Position: Largest retail bank by branch count in the U.S.; second-largest by total assets (after Wells Fargo by deposits, but Chase growing rapidly)
Current Financial Profile (2025)
| Metric | Details |
|---|---|
| Total Assets | $3.7+ trillion (JPMorgan Chase consolidated) |
| Consumer Banking Deposits | $1.2+ trillion |
| Branches | 4,700+ nationwide (all 50 states) |
| ATMs | 17,000+ network locations |
| Customers | 80+ million individual customers |
| Employees | 200,000+ across all JPMorgan Chase divisions |
| FDIC Insurance | Member FDIC (deposits protected up to $250,000) |
| Stock Trading | NYSE: JPM (publicly traded parent company) |
| Mobile App Rating | 4.7 out of 5 stars |
What Makes Chase Distinctive
Chase combines massive scale with digital leadership:
✅ Largest Branch Network: 4,700+ branches provide unmatched accessibility
✅ Best-in-Class Credit Cards: Ultimate Rewards with up to 5% cash back categories
✅ Strong Digital Banking: Award-winning mobile app and online features
✅ Relationship Rewards: Higher CD rates for checking account holders
✅ Full-Service Banking: Mortgages, auto loans, business banking under one roof
✅ 24/7 Support: Automated assistance always available; live support during business hours
Chase Bank Login — How to Access Online & Mobile Banking
Chase provides secure 24/7 access through industry-standard online banking portal and award-winning mobile app.
Logging Into Chase Online Banking
Step-by-Step Instructions
Step 1: Visit Chase Website
Go to chase.com and click “Sign In” or “Log In” at the top right of page.
Step 2: Enter Your Login Credentials
- Username: Your unique Chase online banking username
- Password: Your secure password established at enrollment
Step 3: Complete Multi-Factor Authentication
Verify your identity through:
- Email verification link sent to registered email address
- Verification code via SMS to registered phone number
- Security questions about your account
- Mobile app push notification approval (if linked)
Step 4: Access Your Dashboard
Once authenticated, you can:
- View all account balances across checking, savings, business accounts
- Review recent transactions and pending deposits
- Pay bills and schedule transfers
- Manage Zelle payments
- Access credit card accounts
- Monitor mortgages and loans
First-Time Online Banking Enrollment
New to Chase online banking?
- Visit chase.com
- Click “Enroll in Online Banking” or “New Users”
- Provide account number and personal information
- Create username and password
- Verify email address
- Set up multi-factor authentication (email, phone, or both)
- Complete enrollment and log in
Password Requirements
Chase passwords must meet these criteria:
- Minimum 8 characters (up to 32 allowed)
- Mix of uppercase and lowercase letters
- At least one number
- At least one special character (!@#$%^&*)
- Cannot reuse previous passwords
Chase Mobile App — Award-Winning Digital Banking
App Details & Performance
- Name: Chase Mobile® app
- Rating: 4.7 out of 5 stars (iOS and Android combined)
- Downloads: 10 million+ on Android alone
- Compatibility: iOS 12.0+ and Android 8.0+
Key Mobile Features
Account Management:
- Check balances instantly (Quick Balance without full login)
- View real-time transactions
- Access statements up to 7 years
- Manage debit/credit cards
- View account numbers and routing numbers
Money Movement:
- Transfer between Chase accounts instantly
- Pay bills (one-time or recurring)
- Send money with Zelle® (detailed next section)
- Mobile check deposit (QuickDeposit)
- Wire money from your phone
- Request money from others
Card Management & Security:
- Instantly lock/unlock debit and credit cards
- View full card number, expiration, security code
- Set spending limits by transaction type
- Report lost/stolen cards immediately
- Add cards to digital wallet (Apple Pay, Google Pay, Samsung Pay)
- Monitor fraud alerts in real-time
Advanced Features:
- Account alerts for balance, payment due, unusual activity
- Chase Pay integration for contactless payments
- Credit score tracking (available to some customers)
- Transaction categorization and spending insights
- Scheduled transfers and recurring payments
- International money transfer (wire services)
Biometric Security Options:
- iPhone: Touch ID or Face ID recognition
- Android: Fingerprint login
- Benefits: Fast access, more secure than password-only
- Setup: One-time configuration in app security settings
Troubleshooting Chase Login Problems
| Problem | Solution |
|---|---|
| Forgot Username | Click “Forgot Username” on chase.com; verify identity via email/security questions; receive username via email |
| Forgot Password | Click “Forgot Password”; complete identity verification; create new 8+ character password with special characters |
| Account Locked (Too Many Attempts) | Account locks temporarily after multiple incorrect login attempts; wait 30 minutes or call 1-800-935-9935 to unlock |
| Multi-Factor Code Not Received | Check spam/junk folder; request new code (wait 60 seconds for SMS); verify email/phone on file is current |
| Can’t Enroll in Online Banking | Visit local Chase branch with ID; call 1-800-935-9935; ensure you have active Chase checking or savings account |
| App Won’t Load | Update to latest version; restart phone; clear app cache; reinstall if issues persist |
| “Session Expired” Error | App times out after 15 minutes inactivity; log in again to resume |
| Browser Issues (Website) | Clear cookies/browser cache; disable extensions; use different browser; ensure JavaScript enabled |
Customer Support:
Call 1-800-935-9935 (personal banking support; available 24/7 automated assistance; live representatives during business hours).
Chase Bank Hours — When Are Branches Open?
Chase’s 4,700+ branches maintain standard U.S. banking hours, though times vary by location and day.
What Time Does Chase Bank Open?
Standard Opening Times:
- Monday-Friday: 9:00 AM local time (some locations 8 AM or 10 AM)
- Saturday: 9:00 AM local time (varies by location)
- Sunday: Closed (all locations)
Important Note: Opening hours vary significantly by branch. Urban Chase locations and those in high-traffic areas may open earlier (8 AM), while some locations open as late as 10 AM. Drive-thru windows sometimes open 15-30 minutes after lobby.
Confirmation: Use Chase branch locator at chase.com/locator to check your specific branch’s opening time.
What Time Does Chase Bank Close?
Standard Closing Times:
- Monday-Friday: 5:00 PM local time (some locations close 4 PM or 6 PM)
- Saturday: 1:00 PM or 2:00 PM local time (varies by location)
- Sunday: Closed (all locations)
Drive-Thru vs. Lobby Distinction:
- Lobby closing time: Generally 5 PM weekdays
- Drive-thru closing time: Often closes 30 minutes before lobby (typically 4:30 PM)
- ATM access: Always available 24/7 regardless of branch hours
Extended Hours: Some Chase branches in major cities (New York, Los Angeles, Chicago, etc.) offer extended weekday hours until 6 PM or 7 PM.
Verification: Visit chase.com/locator, search your location, and view real-time hours for your specific branch.
When Does Chase Bank Close? (When Are Branches Closed?)
Regular Closures:
- Sundays: All Chase branches closed (ATMs available 24/7)
- Federal Holidays: All branches closed; ATMs and digital banking available 24/7
2025 Holiday Schedule:
Chase observes all 11 federal banking holidays:
| Holiday | Date | Branch Status |
|---|---|---|
| New Year’s Day | Wednesday, January 1 | Closed |
| Martin Luther King Jr. Day | Monday, January 20 | Closed |
| Presidents Day | Monday, February 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, September 1 | Closed |
| Columbus Day | Monday, October 13 | Closed |
| Veterans Day | Tuesday, November 11 | Closed |
| Thanksgiving Day | Thursday, November 27 | Closed |
| Christmas Day | Thursday, December 25 | Closed |
Juneteenth 2025 Details: Chase Bank will be closed on Thursday, June 19, 2025 for Juneteenth National Independence Day (federal holiday). ATMs remain accessible 24/7; online banking and mobile app available. Deposits submitted via mobile app or ATM will process the next business day (Friday, June 20).
On Holidays:
✅ ATMs available 24/7
✅ Online banking accessible
✅ Mobile app fully functional
✅ 24/7 phone banking available
✅ Automatic payments/transfers process as scheduled
Is Chase Bank Open on Saturday?
Yes, Chase Bank is open on Saturday, but with limited hours.
Saturday Hours:
- Typical Opening: 9:00 AM
- Typical Closing: 1:00 PM or 2:00 PM local time
- Varies by Location: Some branches have different Saturday hours; check your specific branch
Saturday Services Available:
✅ Full banking services (deposits, withdrawals, account management)
✅ Teller assistance
✅ New account opening
✅ Credit card applications
✅ Limited mortgage/lending consultations
Check Specific Hours: Use Chase branch locator to confirm your branch’s Saturday hours, as they vary significantly.
Chase Bank Near Me — Branch & ATM Locator
Chase’s massive 4,700-branch network and 17,000+ ATM network provide unprecedented convenience across the United States.
Finding Your Nearest Chase Branch
Use Chase Branch Locator
Visit chase.com/locator to find:
- Nearest Chase branch to your location
- Exact street address and phone number
- Specific branch hours (including Saturday/holiday variations)
- Services available (full banking, limited service, investment, mortgage, etc.)
- Accessibility features (wheelchair access, parking)
- Driving directions via GPS
- Ability to schedule appointment with banker
Key Search Features:
- Search by ZIP code, city, or street address
- Filter by services (ATM, mortgages, business banking, etc.)
- View on interactive map
- See real-time hours
- Check phone number and contact details
ATM Network Access
Chase’s ATM network is the second-largest in the United States:
- 17,000+ Chase ATMs: Available nationwide
- 24/7 Availability: Withdraw cash anytime (branch closed or open)
- No Chase Card Fee: Free for Chase account holders
- Surcharge Fee: $3.50+ per transaction at non-Chase ATMs (plus operator fees)
- Allpoint Network: Additional 55,000+ surcharge-free ATMs available through partnerships
ATM Services:
✅ Withdraw cash
✅ Deposit checks and cash
✅ Check balance
✅ Transfer funds between accounts
✅ Change PIN
✅ Print mini-statements
Drive-Thru vs. Lobby Access
Understanding the Difference:
- Lobby Services: Teller assistance, new accounts, business services (typical hours: 9 AM – 5 PM weekdays)
- Drive-Thru Services: Limited to deposits, withdrawals, payments, balance inquiries (often closes 30 minutes before lobby)
- ATM-Only Access: 24/7 for account holders (no teller assistance)
Recommendation: Confirm your branch’s specific drive-thru hours, as they vary widely.
Chase Bank Products & Services
Checking & Savings Accounts
Chase Checking Account Options
Chase Total Checking® (Basic)
| Feature | Details |
|---|---|
| Monthly Fee | $12 (waived with $500+ monthly direct deposits OR $1,500+ minimum balance OR 18+ years with linked savings/investment account) |
| Minimum to Open | $25 |
| Debit Card | Free Chase Visa® debit card |
| Interest | Non-interest bearing |
| Overdraft Protection | Available (links to savings account) |
Chase Sapphire Banking® (Premium)
Premium checking with relationship benefits:
| Feature | Details |
|---|---|
| Monthly Fee | $25 (may be waived with qualifying balances or accounts) |
| Minimum to Open | $25 |
| Features | Enhanced customer service, concierge access |
| Debit Card | Premium Sapphire card included |
| Relationship Benefits | Higher CD rates, priority support |
Chase Savings Account Options
Chase Savings Account
| Feature | Details |
|---|---|
| Monthly Fee | $0 |
| Minimum Deposit | $0 |
| APY | 0.01% (extremely low; below national average) |
| Withdrawal Limit | 6 per month (excess transactions $1 each) |
| Interest Compounding | Daily compounding, monthly crediting |
Key Insight: Chase savings rates (0.01%-0.04%) significantly lag national average (0.40%) and online banks (4.00%+), making them poor for long-term savings.
Chase Bank CD Rates — Comparing Options in 2025
Chase offers two distinct CD rate structures: standard rates and relationship rates for customers with qualifying Chase checking accounts.
Chase Standard CD Rates
Extremely low rates for accounts without Chase checking:
| Term | APY | Minimum |
|---|---|---|
| 1-12 months | 0.01% | $1,000 |
| 13-60 months | 0.01% | $1,000 |
Key Insight: Standard CD rates of 0.01% are among the lowest available; online banks offer 3.50%-4.00%+ for comparable terms.
Chase Relationship CD Rates (Higher APY for Chase Checking Customers)
Significantly higher rates for customers with linked Chase checking accounts:
| Term | APY ($0-$99,999) | APY ($100,000+) | Minimum |
|---|---|---|---|
| 5 months | 3.20% | 3.70% | $1,000 |
| 10 months | 2.65% | 3.15% | $1,000 |
| 12 months | 1.75% | 1.75% | $1,000 |
| 24-60 months | 2.00% | 2.00% | $1,000 |
CD Rate Strategy Example:
For $100,000 deposit in 5-month Chase Relationship CD:
- APY: 3.70%
- Interest Earned: ~$1,850 (5 months)
- Compares to: Online banks 3.50%-3.95% for longer terms
Competitive Positioning: Chase relationship CDs offer solid rates for customers with checking accounts but generally lag top online banks (Ally 4.00%, Marcus 4.00%, CIT 4.15%).
Chase Bank Credit Cards — Ultimate Rewards Program
Chase’s Signature Credit Cards
Chase Sapphire Preferred®
Premium travel rewards card:
| Feature | Details |
|---|---|
| Annual Fee | $95 |
| Welcome Bonus | 75,000 Ultimate Rewards points (valued ~$1,125) after $4,000 spend |
| Rewards | 3X points on dining/travel; 1X on other purchases |
| Travel Credits | $300 annual travel credit |
| Perks | Trip delay reimbursement, baggage delay insurance, concierge service |
Chase Unlimited® Card
Flat-rate cash back:
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Welcome Bonus | $250 cash back after $500 spend |
| Cash Back | 1.5% on all purchases (flat rate) |
| Redemption | Cash back deposited directly to Chase account |
Chase Freedom Flex®
Rotating categories cash back:
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Welcome Bonus | $200 cash back after $500 spend |
| Cash Back | 5% rotating categories (quarterly); 1% other |
| Categories | Groceries, gas, restaurants, Amazon (quarterly rotation) |
Does Chase Bank Offer Personal Loans?
Yes, Chase offers two personal loan options:
Traditional Personal Loans:
- Unsecured loans for various purposes
- Loan amounts: $500-$40,000 (varies by creditworthiness)
- Interest rates: Vary based on credit score and terms
- Approval: 1-2 business days typical
- Contact: Call 1-800-935-9935 for application
My Chase Loan:
- Uses existing credit card available credit (no new account)
- No credit check or application required
- Lower APR than standard card purchase APR
- Fixed monthly payments
- No origination or early payoff fees
- Available to qualifying credit card holders
Chase Bank Account Closures — Understanding Why Chase Closes Accounts
Chase closes customer accounts for specific risk or compliance reasons, often without advance warning. Understanding the triggers helps you avoid closure.
Why Chase Closes Accounts (Top 5 Reasons)
1. Suspected Fraud or Unusual Activity (Most Common)
- Odd deposits (third-party checks, rapid deposits/withdrawals)
- Large unusual transactions unlike your normal spending
- Potential check kiting schemes
- Suspicious transaction patterns flagged by AI monitoring
2. Excessive Overdrafts or Negative Balances
- Repeated overdrafts signal risk or possible abuse
- Negative balances exceed Chase’s tolerance thresholds
- Pattern of insufficient funds indicates poor management
3. Failure to Confirm Identity (KYC Compliance)
- Cannot verify account holder identity
- Missing or invalid identification documents
- Failure to respond to identity verification requests
- Required for anti-money laundering (AML) compliance
4. Violating Account Terms & Conditions
- Using personal account for business purposes
- Unauthorized third-party access to account
- Account sharing or unauthorized delegation
- Breach of customer agreement terms
5. High-Risk or Unusual Transaction Patterns
- Sudden large transfers to offshore/international accounts
- Money laundering indicators
- Structuring deposits to avoid reporting requirements
- Transactions inconsistent with stated account use
Is Account Closure Permanent?
Yes, Chase account closures are typically permanent.
- Immediate Closure: Account closed without warning (funds still accessible)
- Receiving Final Balance: Chase mails check within 7-30 days
- Future Chase Applications: New applications usually denied
- Reopening That Account: Essentially impossible
- Industry Flagging: Closure reported to ChexSystems (banking system), affecting future bank account openings elsewhere
Appeal Options (Rarely Successful):
- Contact Chase Executive Office in writing
- Request reconsideration (expect low success rate)
- Provide documentation explaining disputed closure reasons
- Response typically 2-4 weeks
How to Close a Chase Bank Account (Intentional Closure)
Method 1: Online or Mobile App
- Log into Chase online banking or mobile app
- Navigate to account settings
- Select “Close Account” option
- Choose if transferring balance or closing with remaining balance
- Confirm closure (may be final after this step)
- Receive confirmation number
Method 2: By Phone
Call 1-800-935-9935 (personal banking customer service):
- Confirm you want to close account
- Provide account number and verification
- Clarify if transferring funds first
- Receive confirmation and expected timeline
- Get confirmation number for records
Method 3: In-Person at Branch
- Visit nearest Chase branch with ID
- Inform banker you want to close account
- Decide on remaining balance handling (transfer or check)
- Complete closure paperwork
- Receive receipt and confirmation
Before Closing:
✅ Transfer any remaining balance to another account
✅ Wait for direct deposits to cease
✅ Pay any outstanding fees or minimum balance requirements
✅ Update any recurring automatic payments to new account
✅ Request final statement for records
✅ Keep confirmation number and documentation
Chase Bank Digital Features — Zelle, Security & Money Movement
Does Chase Bank Have Zelle? (Complete Answer)
Yes, Chase Bank fully integrates Zelle® for fast person-to-person money transfers directly through Chase Mobile app and online banking.
How Zelle Works at Chase
What Is Zelle?
Zelle is a peer-to-peer payment network enabling bank customers to send and receive money directly between accounts, typically within minutes, using email address or U.S. mobile phone number (no separate app needed).
Chase Zelle Features:
✅ Built into Mobile App: “Money” tab includes Zelle®
✅ No Separate App: Uses existing Chase Mobile® app
✅ Email/Phone: Send to recipients using their email or U.S. cell number
✅ Instant Transfers: Money typically arrives within minutes
✅ Free for Personal Use: No fees for consumer payments
✅ Business Support: Business accounts pay $0.50 per transaction
✅ No Account Sharing: Direct bank-to-bank transfer; no sharing account numbers
How to Enroll in Zelle at Chase
Step-by-Step Enrollment
- Download Chase Mobile® App
- If not installed, get from Apple App Store or Google Play Store
- Log in with your User ID and password
- Navigate to “Money” Tab
- Tap “Money” icon at bottom menu
- Look for “Send Money with Zelle®” option
- Select Zelle Option
- Choose to enroll in Zelle®
- May be automatically available to some customers
- Confirm Your Contact Information
- Select your email address OR U.S. mobile phone number (or both)
- Must match information on file with Chase
- Verify & Activate
- Chase may send verification code via SMS or email
- Enter verification code to confirm
- Accept Zelle® terms and conditions
- Enrollment Complete
- You can immediately send and receive money with Zelle®
- Start making payments to trusted contacts
How to Send Money with Zelle
Sending Step-by-Step
- Open Chase Mobile® App
- Tap “Money” tab at bottom
- Select “Send Money with Zelle®”
- Choose recipient:
- Search contacts synced from phone
- Enter recipient email address, OR
- Enter recipient U.S. mobile phone number
- Confirm recipient’s full name
- Enter dollar amount to send
- Add optional note/memo (optional)
- Review carefully (transfers typically cannot be reversed)
- Tap “Send”
- Confirmation: Money deposited in recipient’s account within minutes
Critical: Verify recipient email/phone before sending—Zelle transfers are typically fast and irreversible.
Zelle Limits at Chase
Typical Zelle transfer limits (may vary):
- Daily Sending Limit: $2,000-$5,000
- Monthly Sending Limit: $10,000-$20,000
- Request Limits: May be higher than sending limits
- Limit Increases: Call 1-800-935-9935 to request higher limits
Chase Bank Customer Service — Support Channels & Hours
Chase provides 24/7 automated support and live representatives during extended business hours through multiple channels.
Chase Bank Phone Numbers (By Service)
Personal Banking Customer Service (All Accounts)
1-800-935-9935
- Checking and savings accounts
- Debit card issues
- General account questions
- Automated support 24/7; live representatives during extended hours
Credit Card Customer Service
1-800-432-3117
- Credit card account questions
- Rewards and points inquiries
- Payment information
- Fraud reporting
- Available 24/7 for credit card holders
Mortgage Customer Service
1-800-848-9136
- Home loan questions
- Refinancing inquiries
- Payment information
- Financial hardship assistance
- Monday-Friday 8 AM-8 PM ET; Saturday 9 AM-6 PM ET
Auto Loan Customer Service
1-800-336-6675
- Auto loan questions
- Payment information
- Loan modification requests
Business Banking Customer Service
1-800-869-3557
- Small business account assistance
- Business credit card support
- Merchant services
Other Contact Options
Online Support:
- Chase.com live chat (available during business hours)
- Secure message through online banking
- Email support (not recommended for urgent issues)
- @ChaseSupport on Twitter/X for public inquiries
In-Person Support:
- Visit nearest Chase branch (4,700+ locations)
- Schedule appointment with banker on chase.com
- Extended hours available at select locations
Best Times to Reach Chase Customer Service
For Shorter Wait Times:
✅ Weekday mid-morning (10 AM-1 PM ET): Shorter wait times (10-15 min)
✅ Tuesday-Thursday: Generally less busy
✅ Early morning (7 AM-9 AM ET): Often quick service
✅ After-hours (8 PM-midnight ET): Automated services available; live support reduces
❌ Monday morning: Highest call volume (30-45 min waits)
❌ Friday afternoon: High volume before weekend (20-30 min waits)
❌ Lunch hours (11 AM-1 PM): Peak call times
Reality Check: Average Chase customer service wait times of 15-30 minutes are common, with longer waits during peak periods. Consider using online banking or mobile app for non-urgent issues.
Chase Bank Routing Number & Account Setup
Chase’s routing number identifies which bank processes your transactions, making it essential for direct deposits, wire transfers, and ACH payments.
What Is the Bank Routing Number for Chase?
Primary Chase Routing Numbers (by State/Account Type):
Chase uses multiple routing numbers depending on:
- Account Location/Opening Branch
- Type of Account (personal checking vs. business vs. savings)
- Processing Center (regional routing varies)
Common Chase Routing Numbers:
| Location | Routing Number |
|---|---|
| Chase New York | 021000021 |
| Chase Illinois | 071000013 |
| Chase California | 322271627 |
| Chase Florida | 267084131 |
| Chase Texas | 111000025 |
Note: Your specific routing number depends on which Chase processing center handles your account. Always verify the exact routing number for your account.
Where to Find Your Chase Routing Number
Method 1: Check Your Checks
- Open left side of check
- First nine digits = your routing number
- Example: 021000021 (nine-digit code at bottom left)
Method 2: Chase Online Banking
- Log into chase.com
- Go to “Account Information” or “Details”
- View account and routing number
- Some accounts list under “Account” tab
Method 3: Chase Mobile App
- Open Chase Mobile® app
- Log in with your credentials
- Select checking account
- Tap “Details” or “Account Information”
- View routing and account numbers
Method 4: Call Chase Customer Service
Call 1-800-935-9935:
- Provide account verification
- Ask for routing number and account number
- Get confirmation for your specific account
Method 5: Visit Chase Branch
- Go to nearest Chase location
- Provide ID to banker
- Request routing and account numbers
- Receive printed confirmation (recommended)
Using Your Routing Number Safely
✅ Safe Uses:
- Direct deposit setup with employer
- ACH transfers between banks
- Bill payments through online banking
- Wire transfers
- Check routing
❌ Don’t Share Routing Number For:
- Loans or credit inquiries (only direct with lender)
- Purchases from unknown vendors
- Unsecured online platforms
- Any non-banking purpose
Security Note: Your routing number is publicly available (on every check). It’s safe for banking purposes but always verify you’re communicating directly with your bank before sharing full account numbers.
Chase Bank Pros & Cons — Complete Analysis
Pros: Reasons to Choose Chase Bank
✅ Largest Retail Branch Network
4,700+ branches nationwide plus 17,000+ ATMs provide unmatched accessibility across all 50 states.
✅ Award-Winning Digital Banking
4.7-star mobile app rivals the best in industry; excellent online banking features and security.
✅ Best-in-Class Credit Cards
Ultimate Rewards ecosystem with up to 5% cash back; multiple card options for different needs; excellent travel benefits.
✅ Relationship CD Rates
Relationship CDs (3.70% APY on 5-month for $100,000+ deposits) significantly exceed standard rates for checking account holders.
✅ Full-Service Banking
Mortgages, auto loans, personal loans, business banking, investment services—everything under one roof.
✅ Strong Fraud Protection
24/7 monitoring, zero-liability guarantee on unauthorized transactions, card lock/unlock features.
✅ Zelle Integration
Fast person-to-person payments built directly into mobile app and online banking.
✅ 24/7 Support Availability
Automated support always available; live representatives during extended business hours.
Cons: Limitations of Chase Bank
❌ Low Savings Interest Rates
0.01%-0.04% APY significantly lags national average (0.40%) and online banks (4.00%+).
❌ Monthly Fees on Checking
$12 monthly checking fee (though waivable with direct deposits or minimum balance); higher than many competitors.
❌ Standard CD Rates Abysmally Low
0.01% on standard CDs among the worst available; relationship CDs much better but still lag online banks.
❌ Long Customer Service Wait Times
Average 15-30 minute waits common; peak times exceed 45 minutes; some departments have limited hours.
❌ Account Closures Without Warning
Chase closes accounts for suspected fraud or policy violations with no advance notice; closure permanent; difficult to appeal.
❌ Limited Saturday/Sunday Hours
Branches close Saturday afternoon; closed Sundays entirely (though ATMs/online available 24/7).
❌ Credit Card Account Closures
Recent reports of Chase closing credit card accounts without warning, frozen limits, points loss.
❌ Higher ATM Surcharges
$3.50+ per out-of-network ATM use (vs. $2.50 at Bank of America).
Pros & Cons Comparison Table
| Aspect | Chase Bank | National Average | Best Option |
|---|---|---|---|
| Branch Count | 4,700+ (largest) | 2,000-4,000 | Chase (most accessible) |
| Checking Fee | $12 (waivable) | $8-15 | Credit union ($0) |
| Savings APY | 0.01%-0.04% | 0.40% | Online banks (4.00%+) |
| CD Rates (Standard) | 0.01% | 1.75% average | Online banks (3.50%+) |
| CD Rates (Relationship) | 3.70% (5-month) | Varies | Chase competitive for members |
| Mobile App | 4.7 stars | 4.0 average | Chase (tied with Ally) |
| ATM Network | 17,000+ | Varies | Chase second-largest |
| Credit Cards | 5% cash back max | Varies | Chase competitive |
| Zelle Support | Yes | Most banks | Standard feature |
| Wait Times | 15-45 min average | Varies | Regional banks (5-10 min) |
Chase Bank vs. Competitors — Comparison Table
| Feature | Chase | Bank of America | Wells Fargo | Citibank | U.S. Bancorp |
|---|---|---|---|---|---|
| Branches | 4,700+ (largest) | 4,700+ | 4,200+ | 2,000+ | 3,000+ |
| ATMs | 17,000+ | 16,000+ | 13,000+ | 2,400+ | 5,000+ |
| Checking Fee | $12 (waivable) | $12 (waivable) | $15 (waivable) | $10-25 | $0-15 |
| Savings APY | 0.01%-0.04% | 0.01%-0.04% | 0.01%-0.02% | 0.01%-0.03% | 0.01%-0.05% |
| CD Rates (Relationship) | 3.70% | N/A | N/A | N/A | N/A |
| Mobile App Rating | 4.7 stars | 4.8 stars | 4.1 stars | 3.9 stars | 4.2 stars |
| Credit Card Rewards | 5% max | 6% max | 5% max | 5% max | 3% max |
| Zelle Support | Yes | Yes | Yes | Yes | Yes |
| Overall Rating | 3.5 stars | 3.5 stars | 3.0 stars | 3.3 stars | 3.7 stars |
Where Chase Wins:
- Largest branch network
- Best relationship CD rates for checking members
- Competitive credit card rewards
- Strong digital banking (4.7-star app)
Where Alternatives Win:
- Bank of America: Slightly better savings rates
- U.S. Bancorp: Better customer service ratings, comparable products
- Online banks: Much higher APYs (4.00%+) on savings/CDs
- Credit unions: Lower/no fees, better rates on loans
Frequently Asked Questions — Chase Bank
What time does Chase Bank open?
Most Chase branches open at 9:00 AM local time on weekdays and Saturday. However, opening times vary by location—some branches open as early as 8 AM or as late as 10 AM. Use the Chase branch locator at chase.com/locator to confirm your specific branch’s opening time. ATMs and online/mobile banking are available 24/7.
What time does Chase Bank close?
Most Chase branches close at 5:00 PM on weekdays and 1:00 PM-2:00 PM on Saturday. Drive-thru windows typically close 30 minutes before the lobby. Hours vary significantly by location, so confirm your branch’s closing time at chase.com/locator. ATMs remain available 24/7 regardless of branch hours.
Is Chase a good bank?
Chase is an excellent choice if you prioritize: (1) Largest branch/ATM network (4,700+/17,000+); (2) Best digital banking (4.7-star app); (3) Competitive credit card rewards (5% cash back); (4) Relationship CD rates (3.70% for checking members); (5) Full-service banking under one roof. However, consider alternatives if you want: (1) Higher savings APYs (online banks 4.00%+); (2) Lower fees (Chase charges $12 checking); (3) Shorter customer service wait times; (4) No account closure risk (Chase closes accounts aggressively).
What is the best CD rate at Chase Bank?
Chase’s best CD rate is 3.70% APY on 5-month Relationship CDs for deposits of $100,000+ (for customers with linked Chase checking account). Chase’s standard CD rates are 0.01% on all terms—among the worst available. Relationship CDs require maintaining a Chase checking account. Online banks offer comparable or better rates (Ally 4.00%, Marcus 4.00%) without relationship requirements.
Does Chase Bank offer personal loans?
Yes, Chase offers two personal loan options: (1) Traditional Personal Loans with loan amounts $500-$40,000 at variable interest rates based on creditworthiness, approval within 1-2 business days, unsecured loans; (2) My Chase Loan using existing credit card available credit, no credit check required, lower APR than card purchases, fixed monthly payments, no fees. Call 1-800-935-9935 for application details.
How to close a Chase Bank account?
To close a Chase account: (1) Online/Mobile App — Log in, navigate to account settings, select “Close Account,” confirm closure; (2) By Phone — Call 1-800-935-9935, confirm closure intention, provide verification, receive confirmation number; (3) In-Person — Visit Chase branch with ID, inform banker you’re closing account, complete paperwork. Before closing: ensure direct deposits ceased, pay outstanding fees, transfer remaining balance, update automatic payments, request final statement. Allow 7-10 business days to receive final balance.
Is Chase Bank open on Saturday?
Yes, Chase Bank branches are open on Saturday with limited hours (typically 9:00 AM – 1:00 PM or 2:00 PM local time). Hours vary by location, so check your specific branch at chase.com/locator. ATMs are available 24/7, and mobile/online banking services are available all day Saturday.
What is the bank routing number for Chase?
Chase uses multiple routing numbers depending on account location and type. The most common is 021000021 (Chase New York). Other primary numbers include 071000013 (Illinois), 267084131 (Florida), and 111000025 (Texas). Find your specific routing number: (1) On your checks (first nine digits); (2) In Chase online banking or mobile app under account details; (3) Call 1-800-935-9935; (4) Visit a Chase branch with ID. Always verify the correct routing number for your specific account, as it varies.
Is Bank of America a good bank?
See complete Bank of America guide for detailed review. In brief: Bank of America is excellent for branch accessibility (4,700+ locations) and digital banking (4.8-star app) but has high fees ($12 checking, $8 savings) and low APYs (0.01%-0.04%). Similar to Chase in scale and products, with slight variations in rates and features. Best for customers prioritizing convenience over cost; alternatives like online banks or credit unions offer better rates and lower fees.
Conclusion — Should You Choose Chase Bank in 2025?
Chase Bank remains an excellent banking choice for customers prioritizing unmatched branch/ATM accessibility, industry-leading credit cards with Ultimate Rewards, and strong digital banking—though customers seeking maximum savings rates or lower fees should explore alternatives.
Key Strengths:
✅ Largest Retail Branch Network: 4,700+ branches nationwide (most accessible)
✅ Second-Largest ATM Network: 17,000+ ATMs across U.S.
✅ Award-Winning Digital Banking: 4.7-star mobile app with excellent features
✅ Best Credit Card Rewards: Ultimate Rewards with up to 5% cash back
✅ Relationship CD Rates: 3.70% APY on 5-month CDs for checking members
✅ Full-Service Banking: Mortgages, loans, investments under one roof
✅ 24/7 Support: Automated assistance always available
✅ Zelle Integration: Fast person-to-person payments
Key Limitations:
❌ Terrible Savings Rates: 0.01%-0.04% APY (vs. 4.00%+ online)
❌ High Monthly Fees: $12 checking, $8 savings (though waivable)
❌ Abysmal Standard CD Rates: 0.01% on standard CDs
❌ Long Customer Service Waits: 15-45 minute average hold times
❌ Account Closure Risk: Closes accounts aggressively without warning
❌ Limited Weekend Hours: Saturday afternoon closing; closed Sunday
❌ High ATM Surcharges: $3.50 per out-of-network transaction
Who Should Choose Chase Bank
✅ Frequent Travelers: Nationwide branch/ATM network provides maximum convenience
✅ Credit Card Rewards Seekers: Ultimate Rewards with 5% cash back categories
✅ Digital Banking Users: Want industry-leading 4.7-star app
✅ Multi-Product Customers: Need mortgages + checking + credit cards
✅ Relationship CD Members: Get 3.70% APY with linked checking
✅ Business Owners: Full commercial banking services available
✅ Those Valuing Accessibility: 24/7 ATM access and extensive branch network
Who Should Consider Alternatives
❌ Rate-Focused Savers: Use online banks (Ally 4.20% APY, Marcus 4.00% APY)
❌ Fee-Conscious Customers: Credit unions often $0 checking/savings fees
❌ Support-Dependent People: Regional banks have shorter wait times
❌ CD Rate Maximizers: Online banks offer 3.50%-4.00%+ rates
❌ Account Security Focused: Chase aggressively closes accounts
❌ Budget-Conscious: Chase $12 checking + $8 savings fees stack up
❌ CD-Only Savers: Chase’s 0.01% standard rates are terrible; use online banks
2025 Recommendation
Chase Bank excels at convenience and credit cards but struggles with cost and savings rates. The 4.7-star mobile app and 4,700+ branch network make it excellent for customers prioritizing accessibility over fees.
Implement a hybrid banking strategy:
- Keep Chase checking: Free with direct deposit, access to relationship CD rates, credit card rewards
- Use online savings account: Ally (4.20% APY) or Marcus (4.00% APY) for long-term savings (20x higher interest than Chase)
- Compare CD rates annually: Chase relationship CDs competitive for members, but online banks match/exceed rates
- Monitor credit card accounts: Be aware of Chase’s account closure history; avoid suspicious patterns
Final Verdict: Chase Bank is worth using for checking and credit cards but not for savings or long-term deposits. Combine Chase’s digital convenience with online banks’ superior rates for optimal personal finance strategy.
Ready to Bank With Chase?
Visit chase.com to find your nearest branch (chase.com/locator), open an account, or download the 4.7-star Chase Mobile® app from Apple App Store or Google Play Store. Call 1-800-935-9935 for personal banking support or account questions.
Establish your financial foundation by calculating your ideal emergency fund using our free Emergency Fund Calculator (typically 3-6 months expenses), then open a Chase checking account combined with a high-yield online savings account for the optimal banking strategy balancing convenience and returns.