Chase Online Banking App Review

Whether you’re freshly out of college and want to break away from your student bank account or have a long career and are ready for a change, navigating the many banking options is a hassle. But don‘t worry, we‘re here to help. Chances are you‘re looking for a checking account. A checking account is a type of bank account that allows customers to deposit and withdraw money, as well as write checks. There are a number of things to consider when choosing a checking account, such as the fees associated with the account and the features that are offered. A personal banking product is a type of bank account that is typically offered to individuals. Personal banking products can include checking accounts, savings accounts, and certificates of deposit. These products typically offer customers a variety of features, such as online banking, mobile banking, and overdraft protection. Online banking, mobile banking, and ATM access are all important features to look for in a checking account. On the other hand, a credit card product is a product that allows the credit card company to borrow money from a bank. The credit card company then lends this money to consumers at a lower interest rate. This product can be used by consumers to finance large purchases or to pay off high-interest debt. Details of their contract can be seen on their credit card product page. Additionally, many banks also offer sign-up bonuses for opening a checking account. Chase Bank is a well-known option, and its online banking app is a huge benefit in the modern digital age. Here’s what you need to know about the Chase online banking app:

Chase Bank

Chase Bank is a commercial bank headquartered in Columbus, Ohio. The bank has branches in Ohio, Illinois, Indiana, Kentucky, Michigan, Missouri, and Wisconsin. As with many companies with a long history, what consumers know as Chase Bank includes many names and moving parts. You are likely most familiar with Chase Co which offers banking in the United States via JPMorgan Chase Bank NA and investment products via Morgan Securities LLC JPMS. Any products you use through Morgan Securities are in fact managed via JPMorgan Securities LLC.

Customers have access to a variety of checking accounts, savings accounts, and other lending products to help meet their needs. Chase Bank ties everything together and makes understanding all this require a brief consultation and taps on your phone or laptop instead of an entire dictionary.

The company dates back to 1799 and has grown over the years through mergers and acquisitions to become one of the largest institutions in the industry.

As a commercial bank, Chase Bank offers some solutions that will help you stay safe, handle your cash flow and accounts during this challenging time, and save time by taking advantage of their self-service digital solutions. Called as one of the largest financial services companies in the U.S., they offer many competitive products, in particular Chase Online Banking.

They offer customers a 10% discount when they purchase multiple products. They also allow customers to combine their charges in order to waive fees. You can set up your account online or receive a coupon via email. Take the coupon to your local Chase bank branch.

Chase Online Banking

Chase released its Chase mobile app in 2008. Since then, mobile banking has grown in popularity and more and more features are offered via online banking. Those with Chase accounts can access online banking. Whether you use the Chase website or mobile banking app on your phone, Chase has you covered with many useful features. The software is easy to use and has a number of features that help you keep track of your expenses, including the ability to create custom categories, track spending by month or category, and set a budget. The app is available for free on the App Store and Google Play. This particular bank product has a number of features that help you stay on top of your finances, including:

Manage your checking account or savings account
Deposit checks
Transfer funds between accounts or to other users
Monitor your debit card and credit cards, including locking and ordering replacements
Check your credit score via Chase Credit Journey

Setting up online banking does not mean physical branches are unavailable to you; it simply opens new doors for banking while traveling or at home. Instead of filling out a deposit slip, waiting in line, or waiting for the pneumatic tubing to deliver your requested withdrawal, you can complete many tasks from your mobile device and be on your way faster. The Chase Bank Mobile Deposit app is designed to make depositing checks quick and easy. This means that you will not have to go to a bank branch or to an ATM. There are also branch hours variations that you need to be concerned about. Submitting checks is a particularly useful feature; simply sign your check as instructed by the app, submit pictures of the front and back, and let Chase handle the rest. This does generally mean that the funds deposited via check will be available for use in your account the following business day.

Pros

As one of the largest banking institutions, Chase has branches and ATMs all over the country and options for international users. They have monthly service fees that are often eligible for waivers and accounts for all ages, including teenagers and children if you’re looking to help your kids learn responsible saving. You can even earn some money for promotions if you set up a direct deposit on a new account. When you deposit at least $10,000 within 20 business days of opening an account, and you keep it there for 90 days, you will get $150 as a free cash bonus. That’s basically a return of 1.50% on your initial investment. You can earn 5% cashback benefits on gas station purchases that exceed $6,000 spent in the first year. Existing Chase customers are allowed to refer a friend to Chase, in order to earn a cash bonus. When you lose your credit or debit card or misplace it, you can lock it from the Chase mobile app. By locking it, you can prevent purchases and cash advances.

Set up autosave to transfer money from checking to savings on a set frequency
Overdraft is available on many accounts with a fee.
Open a savings or checking account to waive some fees
Zelle connectivity allows for quick, simple transfers to others’ account

Customers who want to avoid paying the monthly account fees can do so by enabling direct deposit, carrying a minimum balance, or linking eligible accounts, depending on the type of account that you have. There are a variety of credit card options, depending upon your goal of cashback, travel rewards, or balance transfer. Chase Bank is the right bank for those who desire to have a variety of deposits, loans, and investment options from one financial services company. They should be able to maintain a minimum daily balance or complete certain tasks in order to waive fees, and they want to earn valuable rewards or cashback from their credit card purchases. They should desire a bank that can grow with them and offer premium features with each relationship. They should also prefer the security of a large financial institution that has many branches and ATMs throughout the U.S. Cons While online banking can handle most of your needs, there are still elements of banking and investment that require you to go into a physical Chase branch to complete. These could include opening or closing an account or making certain significant changes to your accounts. For those without much online banking experience, getting set up with Chase mobile banking may seem a bit confusing. If you already use an online banking app, then mobile check deposits will be a snap. That being said, you have customer support readily available for your questions. There’s also a how-to guide in the app that shows how to use mobile check deposits.

Here are a few cons to consider:

You need a smartphone or tablet with a 4-megapixel camera to use mobile check deposit

Fees for using non-Chase ATMs
Low savings rates on accounts
They do not have branches in every state in the United States

Like all online banking solutions, you must update your device and have consistent internet connectivity to use it. If these are issues you already have, it is best to understand they could impact your experience with these options.

How to Get the Most from Chase Online Banking

Spend some time getting to know the app when you first install it. This helps to avoid confusion or hassle when you need to make changes later on. While the main page of the app presents you with your account balances and special offers, the dropdown menu on the left-hand side holds your account, transfer, payment, and other options. Take advantage of Chase’s customer service lines as you need to in order to simplify complex processes and learn for the future. For more helpful financial advice and reviews. Shiirs is here to help. We have several key resources for investing, insurance, credit, debit, loans, and more. Unlock competitive offers that will save you money by signing up for Shiirs today!