Chase Savings Review

Basic savings from the nation's largest bank with 5,000+ branches. Independent Chase Savings review: 3.4/5 for big bank savings.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

As a side account for existing Chase customers who want 5,000+ branches, Chase Savings works, but it pays 0.01% APY, dramatically lower than online high-yield accounts. The $5 monthly fee goes away with a $300 balance or a $25 monthly auto-save. You're paying for convenience, and the rate is what drags it down.

Skip it if you want a meaningful rate on savings, or can't keep $300 in or auto-save $25 a month.

About Chase Savings

Basic savings from the nation's largest bank with 5,000+ branches. Chase Savings is offered by JPMorgan Chase Bank, N.A. Our editorial rating is 3.4 out of 5.

Best for: Existing Chase customers who value branch access.

Editorial grade: B- (composite score 67/100).

Highlights

• 0.01% APY on all balances (as of September 2026)
• Access to 5,000+ Chase branches and 14,000+ ATMs nationwide
• $5 monthly service fee (waivable with $300 balance or $25/month auto-save)

What we like

• Huge branch and ATM network
• Excellent mobile app and Zelle integration
• Easy to bundle with Chase checking and credit cards

Where it falls short

• APY is dramatically lower than online HYSAs
• $5 monthly fee unless requirements are met

Fees, minimums, and rates

Monthly fee: $5/month (waivable). Minimum to open: $0. Current APY: 0.01%. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with JPMorgan Chase Bank, N.A.. It is built from JPMorgan Chase Bank, N.A.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Big Bank Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

• JPMorgan Chase Bank, FDIC certificate 628: capital, loan quality, every office and the complaint record.

Similar products to compare

• SoFi Checking & Savings review
• Chime High Yield Savings review
• Ally Online Savings review
• Marcus by Goldman Sachs Online Savings review

Read our full editorial methodology for how we review products.