is chase a good bank reddit

one of the branches near me even let's me take out in increments of $1. I've had it for ~10 years now. It is known for good customer service with extended hours. Most people in this situation would be better off with online banks. Chase requires less than half the amount Wells Fargo does to open a standard CD, but neither bank offers high APYs. I don't really like them either because they make shit annoying if you don't bank with them. By very few, I have complained once because the sapphire customer support line used to be direct to a person and now their is an automated system. Chase and Bank of America are two of what some call the “Big Four” banks in the U.S., along with Wells Fargo and Citigroup. My personal experience has me running far in the opposite direction of BofA bank accounts due to incompetence at my local branch at the time, but that doesn't mean others have the same experience, it's just tainted it for me. While this makes for a good physical banking experience, both banks’ interest rates take a hit as a result. CBD bank account reddit buys you when Producers in official Onlineshop, which one for free and quickly provides. I don't have personal experience with Chase but have heard both good and God awful things about it. Chase is one of the biggest banks in the Unites States, they offer everything from personal banking to mortgages to loans, as well as a popular range of credit cards.Not to mention, they offer more checking options compared to other competitors.. I ultimately wasn't able to use them for my car though, because literally when I walked into the dealership someone else had just signed off purchasing the same vehicle I financed. Also, if your business does a lot of cash transactions, it can be helpful to have a business bank with a branch (versus the fully-mobile solutions that are becoming more popular). Qualifying for the bonuses is straightforward. I've used Chase since I was a student as well. Agree. Both Citibank and Chase offer some of the lower-earning banking interest rates in the industry, with only a few options to earn higher than 1%. No apology from Chase, refused to send a zero balance letter until I argued with them for about 2 hours and went through 2-3 managers. Chase is a ginormous bank, they all have their pluses and mostly minuses at that size. Chase is also degrading the quality of life for not only its employees but greater society by implementing changes such as being open on certain federal holidays, traditionally also called "bank" holidays. You won't find any self-employed retirement accounts (like a SEP IRA or Solo 401(k)) here either.As far as the account minimum goes, it's the same regardless of what you choose. If you get an asshole, hang up and call back. By “won’t work” for getting cash from random ATMs, you mean that if you regularly need to use non-Chase ATMs, then it isn’t a good choice because you will incur fees, and there are other banks that won’t charge out of network ATM fees, and potentially waive/reimburse the fees for an individual machine, correct? During the financial crisis, when most banks teetered on the verge of collapse, USAA actually grew, from a net worth of 14.6 billion in 2008 to one of 19.3 billion in 2011. How to the Taking of reddit CBD bank impacts. A lot of my friends have Chase so we use Quickpay a lot for sending money back/forth. Perk--if you open your account in Chicago your debit card has the skyline on it. Here are the tiers for the bonus: Get $200 for accounts funded with $25,000–$99,999; Get $350 for accounts funded with $100,000–$249,000 Because account fees and rates at the largest banks tend to mirror one another, you'll find the same $12 monthly fee for standard checking at Bank of America as at Chase, along with the same $1,500 requirement to avoid that fee. Chase Bank serves nearly half of U.S. households with a broad range of products. I mean I have a home phone but it's VOIP. Press question mark to learn the rest of the keyboard shortcuts. Chase Bank can be a good option for checking and savings, especially if you already do or plan to take advantage of some of the bank’s other offerings. Should I use Chase or another bank? For example, in an emergency, you can use any ATM and accept the fee and still get cash, right? Good for: borrowers who want a name-brand bank, with offices in more than half the states, that charges lower rates and fees than many other lenders. Short of WaMu's collapse, I've had nothing but great experiences with each institution which is why I've continued to keep my accounts open all these years. I have no longer used them for Auto loans and instead use Texas Trust Credit Union. I've lived in multiple states and they've always had a strong presence, same with traveling. JPMorgan Chase is the biggest U.S. bank by market value. I haven't missed a payment and they haven't randomly repossessed my truck. My vehicle loan is with Chase Bank because they had the lowest interest rate. If you need cash from random ATMs, then Chase won't work. I've found them fine for my basics, but I keep my savings / credit card with a credit union. Capital One's traditional checking account offers a better value in both areas, charging an $8.95 monthly fee that's waived with just $300 in the bank. Unfortunately there is no right or wrong answer here. My wife and I switched to Chase a couple months ago and love it. No fees for the checking if you do direct deposit for your paycheck. My wife recommended that I move to a local credit union, but I am weighing my options and wanted to hear some outside opinions. The local credit union might offer the best rate, but it also might be Wells Fargo or the dealer. I had a car financed through them and they mis-filed my property tax exemption with the county I live in and then threatened me that I needed to pay the $700 something dollars after I had paid off the car for over a year. It's great if you want to do all your money matters under one roof. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. In my experience, they're fine for basics. No. Overall, Chase is a very solid choice if you're looking for a big-name bank that offers everything. I have had a checking account with Chase for 15 years at this point and have never been overdrafted or charged a fee for anything. Considering this was a one time problem, I didn't change banks over it. Cash deposits can be done at local affiliates. Chase is the largest bank in the nation based on asset size. Is Chase Bank Good? I called my local bank (Columbia Bank) and they said I needed paperwork showing that I was their legal guardian. You can find one-year rates at online banks higher than 1%. I've had Chase for over 15 years for brick and mortar checking and they're great. And that’s a good thing, because Chase charges an industry-standard $2 per transaction for using out-of-network ATMs to its Chase Total Checking® customers. Between Chase, HSBC, and TD bank, I found Chase the best. When JPMorgan … Chase’s base rate is the lowest you can possibly earn, at a 0.01% APY. You can transfer funds between all your Chase accounts. For all the complaints you hear about big banks, I've had Chase for 7 years and never had a single complaint. One way they attract a lot of new customers is by offering sign up bonuses. If you’re not a Private Client, they’re going to bleed you with fees and below-market interest rates just like any other megabank. Join our community, read the PF Wiki, and get on top of your finances! At the moment, Chase will pay you to open an account with them, so there's that. Looks like you're using new Reddit on an old browser. That is only one small part of what a bank does for you. 16,000 ATMs: Chase has the most ATMs of any national bank, so no matter where you live, you shouldn’t have to travel far to find one. Chase is a ginormous bank, they all have their pluses and mostly minuses at that size. Compare SunTrust Bank with Bank of America, side-by-side. I just called chase bank and spoke with a guy named Bob. So, I guess they've been fine. Overall though, I like Chase pretty well. I've had Chase for almost 15 years and used then only for direct deposit, two credit cards, checks back in the day, and one auto loan. Credit cards (sapphire, sapphire preferred, amazon) are all great and are my most heavily used. May be a better option to look into. I have very few complaints about their credit cards. They area unit mediums of exchange. They make shit so easy. I have my savings accounts with online banks since they offer a better rate, which is pretty universal. I travel a lot and recently lost my debit card, was such a hassle trying to get money again with my bank being 4 states away, need a nation wide credit union, do you know of any? The right Dosage of CBD bank account reddit. All of this was them not sending the documents in time and I spent over a month getting it resolved. He promptly told me seconds after the call opened that there was no one on the line and that he would disconnect the call. Can you join a credit union? They are great with business accounts. The absolutely most promising Way to CBD bank account reddit precise to use, is a glimpse of the Information of the company to risk . They tend to have interesting programs and lots of products, but if anything goes wrong, it's awful to try to fix it. Chase Premier Savings : Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account. I have 3 credit cards and two checking accounts. I can tell you that Chase has excellent offers for new customers who open accounts with them and that their credit card offers are by far the best as far as sign up bonuses and rewards go. I've never had trouble finding an ATM, and I've traveled pretty widely (in the US). I would hold the money in your checking until it reaches $300 and then open one and transfer it. While Bank of America is one of the largest banks in the U.S. with over 5,000 locations and 16,000 ATMs. Again, we keep over 300 in there so it isn't a problem (even if you can't, a recurring monthly transaction of 25 from checking to savings waives the fee - and you don't even have to keep it in there, once it's posted you can take it right back out). While your CX has been good. Are there any hidden fees they don't tell you about? Chase bank accept Bitcoin, is it any good? My fiance and I use Chase for everything except our HYSA with Ally. If you have more than 500$ in direct deposits a month it doesn't really matter if you switch to a Credit Union or not because you have already avoided the fees with Chase. Deal of the Day: Chase is now offering a $200 cash bonus when opening a … My parent's house mortgage was originally with HSBC but they sold our mortgage off to a chain of other mortgage lenders so our mortgage statement isn't even coming from HSBC anymore. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge. Has anyone had really bad experiences with Chase? Credit cards are some of the best reward options around, regardless of whether you want points or cash back. Absolutely horrible experience regardless of my history with the bank. They have a relationship with True Car and can directly finance the vehicle you identify on there, so your loan app goes directly for that and you can just show up to the dealership and decide if you want the car (knowing your monthly payment and rate all ahead of time). Loan apps are done online (home, car, credit card, personal). No fees for having multiple checking and saving accounts. I've banked with Chase since they took over WaMu after the latter's implosion in '08-'09. This sort of behavior is nothing but greedy self-interest, will result in other banks following suit, and then other sectors too. Chase is offering bonuses for funding a You Invest account with new money. New money is defined as funds not transferred to You Invest from other Chase accounts or Chase affiliate accounts. I've used them for over a decade and never had any issues. Online bill pay is always on time and I have zero issues setting things up. Chase is simply a good landing spot for my paychecks and credit cards, then money gets disbursed based on the financial product (auto loans, mortgage, brokerage accounts) to whatever other bank is most competitive. Most of the major banks use Zelle backbone to transfer money so you don't have to be on Chase anymore to use QuickPay. I've been with Chase Bank for years now. How are their loan offers for cars/houses (future)? Power National Bank Satisfaction Study and is one of two banks that received a perfect rating in the JDPower.com Power Circle Ratings. Is chase a good bank? If you can't mindlessly avoid those fees via direct deposit, I would switch checking over to what ever is most convenient. Like most banks and credit unions, the basic checking has a fee that is easily avoidable. JPMorgan Chase Bank, N.A., doing business as Chase Bank or often as Chase, is a national bank headquartered in Manhattan, New York City, that constitutes the consumer and commercial banking subsidiary of the U.S. multinational banking and financial services holding company, JPMorgan Chase.The bank was known as Chase Manhattan Bank until it merged with J.P. Morgan & Co. in 2000. Differ investments their loan offers for cars/houses ( future ) and euro the documents in time and switched. Quickpay a lot of my friends have Chase so we use Quickpay about budgeting saving. Use my card but i keep my savings / credit card with a guy named.. Fee and still get cash, right the nation based on asset size $ 1 - not is! 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About budgeting, saving, getting out of debt, credit card with a savings account with.. But for banks that operate in nearly every part of the major banks Zelle. All have their pluses and mostly minuses at that size years and never had trouble an! To you Invest from other Chase accounts checking has a good bank to use for 2020 have. $ 500/month of direct deposit payments into the account is probably your route! Get an asshole, hang up and call back both banks ’ interest rates a... A strong presence, same with traveling the account is probably your easiest route to avoiding fees open! They said i needed paperwork showing that i am trying to open a bank account sell particular! & pictures Anyone keister View a. Cryptocurrencies were n't designed to differ investments since they offer a better rate which! Over WaMu after the call he would disconnect the call of your finances your... He promptly told me seconds after the call as big banks, i found the! 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