topic Re: Chase offer online only banking? in Credit Cards

Chase offer online only banking?

solxp — Thu, 17 Jan 2013 04:45:17 GMT

I thought I had a read on these forums that Chase was ending the 10% deal however I just got a new terms and cc agreement letter in the mail that also included fee and reward literature. It said all I needed to do was open a chase banking account and I would be eligible for the 10% deal. The problem is I do not live in a area were Chase has a banking presence(North Carolina) and I did not see anywhere online to open a Chase checking. I was just wondering if anyone knows if such a product exists. What I would like to do is stick 5000.00 or whatever minimum I need to avoid fees in a online checking account and just let it sit there..

Re: Chase offer online only banking?

daybreakgonesXe — Thu, 17 Jan 2013 04:49:15 GMT

solxp wrote:
I thought I had a read on these forums that Chase was ending the 10% deal however I just got a new terms and cc agreement letter in the mail that also included fee and reward literature. It said all I needed to do was open a chase banking account and I would be eligible for the 10% deal. The problem is I do not live in a area were Chase has a banking presence(North Carolina) and I did not see anywhere online to open a Chase checking. I was just wondering if anyone knows if such a product exists. What I would like to do is stick 5000.00 or whatever minimum I need to avoid fees in a online checking account and just let it sit there..

I believe most of their accounts you can use strictly online while having the benefit of in-store service...just go to chase.com and check our their checking/savings products...i know for sure you can open an account online!

Re: Chase offer online only banking?

solxp — Thu, 17 Jan 2013 04:55:28 GMT

That the problem I just went back to Chase logged on to my account and I do not see any way to open a checking account online. Clicking product and services tab 3rd tab after My account and Payments and transfers just shows me a blank page.

Re: Chase offer online only banking?

daybreakgonesXe — Thu, 17 Jan 2013 04:56:55 GMT

solxp wrote:
That the problem I just went back to Chase logged on to my account and I do not see any way to open a checking account online. Clicking product and services tab 3rd tab after My account and Payments and transfers just shows me a blank page.

Don't log in, just go directly through the website...for example, here's the link to the Chase Total Checking, with a green "open now" button to the right! https://www.chase.com/checking/total-checking

Re: Chase offer online only banking?

solxp — Thu, 17 Jan 2013 05:01:09 GMT

Update 2 If i go to Chase.com and do not sign into my account I can select products and then select checking however that prompts me to enter my zip code and once I do that I get the following msg.

The Chase product or service you selected is not available in the ZIP code you entered. Please check the ZIP code to be sure it was entered correctly.

then it puts me back to my account login screen.

Re: Chase offer online only banking?

solxp — Thu, 17 Jan 2013 05:02:30 GMT

could u try using a 27408 zip and see if it works for you.

Re: Chase offer online only banking?

daybreakgonesXe — Thu, 17 Jan 2013 05:03:00 GMT

That stinks :/ I'll search the website to see if they have any strictly online accounts; I guess some of their accounts won't let you open them unless you're in their banking area...

Re: Chase offer online only banking?

solxp — Thu, 17 Jan 2013 05:05:40 GMT

daybreakgonesXe wrote:
That stinks :/ I'll search the website to see if they have any strictly online accounts; I guess some of their accounts won't let you open them unless you're in their banking area...

@daybreakgonesXe Thanks for your Effort. I am thinking the same as you. I guess I am going to need to call them.

Re: Chase offer online only banking?

daybreakgonesXe — Thu, 17 Jan 2013 05:06:41 GMT

Just tried it...looks like they won't let you open an account outside their banking area...thursday morning give them a call and see if they have any online accounts the CSR may be able to offer you for being outside their network...otherwise looks like it's a no-go for one of their banking accounts :/

Re: Chase offer online only banking?

mirachi — Thu, 17 Jan 2013 05:13:57 GMT

Does this link work? https://chaseonline.chase.com/public/oao/GettingStarted.aspx?PROD_CODE=010&SUB_PROD_CODE=390&PROD_SEG=MASSMARKET

Re: Chase offer online only banking?

daybreakgonesXe — Thu, 17 Jan 2013 05:14:13 GMT

mirachi wrote:
Does this link work? Chase Checking

Once you put the colon after the https, it does XD but the again I am in a Chase area, so not sure it it'll go through for the OP...

Re: Chase offer online only banking?

mirachi — Thu, 17 Jan 2013 05:15:04 GMT

daybreakgonesXe wrote:
mirachi wrote:
Does this link work? Chase Checking
Once you put the colon after the https, it does XD but the again I am in a Chase area, so not sure it it'll go through for the OP...

LOL realized that was an issue so I edited my original response >___<

Re: Chase offer online only banking?

beb86 — Thu, 17 Jan 2013 05:17:59 GMT

Try an Savings account maybe with them??? And since Chase is a national bank you would think the were everywhere lol

Re: Chase offer online only banking?

navigatethis12 — Thu, 17 Jan 2013 05:21:30 GMT

They used to offer acounts everywhere but now they do not. In 2009? I was able to open one with a Maryland address, but am not able to now. I had to use a Michigan address to finally be able to open a chequing account with them. Asking a customer service representative will not help, as I tried. They will say they can only open it over the telephone if the address you use is in their service area. I even tried ringing a branch and they said the same thing.

They issue credit cards to anyone, but deposit accounts are restriced.

Re: Chase offer online only banking?

Revelate — Thu, 17 Jan 2013 06:12:28 GMT

A bank has to have a license to do business in a given state; however, at least for the OP, Chase has a few branches in NC... so I suspect that is just moot.

North Carolina isni't *that* big of a state especially with the major areas representated for Chase locations, field trip it would be my recommendation :).

Re: Chase offer online only banking?

solxp — Thu, 17 Jan 2013 09:30:51 GMT

Revelate wrote:
A bank has to have a license to do business in a given state; however, at least for the OP, Chase has a few branches in NC... so I suspect that is just moot.

North Carolina isni't *that* big of a state especially with the major areas representated for Chase locations, field trip it would be my recommendation :).

I live in the 3rd largest city in north carolina but there are no chase locations here. I travel to raleigh and charlotte on a semi regular basis does chase have a location there? When i did a branch lookup the nearest location is showed for me was West Virgina if you know of location closer please let me know.

Re: Chase offer online only banking?

SwiftTone — Thu, 17 Jan 2013 14:29:14 GMT

I was having the same issue with this last year. I live in MA and there are no retail branches here. The closest one would be 4 hours away in NYC. I tried and tried and couldn't open an account online or on the phone. I ended up changing my address to my friend's address in NYC and opened an account online that way. After that I changed my address back to my MA address.

Re: Chase offer online only banking?

Revelate — Thu, 17 Jan 2013 18:16:51 GMT

solxp wrote:
Revelate wrote:
A bank has to have a license to do business in a given state; however, at least for the OP, Chase has a few branches in NC... so I suspect that is just moot.

North Carolina isni't *that* big of a state especially with the major areas representated for Chase locations, field trip it would be my recommendation :).
I live in the 3rd largest city in north carolina but there are no chase locations here. I travel to raleigh and charlotte on a semi regular basis does chase have a location there? When i did a branch lookup the nearest location is showed for me was West Virgina if you know of location closer please let me know.

Ah heck, appears there were some old business locations when I went a Googling last night before posting this; but using the lookup straight on the Chase website you're correct.

Oh hrm, the link I had was actually a Chase page.

I don't know, take a look at it maybe it helps maybe it doesnt:

https://locator.chase.com/sitemap/north-carolina/

Re: Chase offer online only banking?

solxp — Thu, 17 Jan 2013 21:04:00 GMT

Revelate wrote:
solxp wrote:
Revelate wrote:
A bank has to have a license to do business in a given state; however, at least for the OP, Chase has a few branches in NC... so I suspect that is just moot.

North Carolina isni't *that* big of a state especially with the major areas representated for Chase locations, field trip it would be my recommendation :).
I live in the 3rd largest city in north carolina but there are no chase locations here. I travel to raleigh and charlotte on a semi regular basis does chase have a location there? When i did a branch lookup the nearest location is showed for me was West Virgina if you know of location closer please let me know.
Ah heck, appears there were some old business locations when I went a Googling last night before posting this; but using the lookup straight on the Chase website you're correct.

Oh hrm, the link I had was actually a Chase page.

I don't know, take a look at it maybe it helps maybe it doesnt:

https://locator.chase.com/sitemap/north-carolina/

@Revelate thanks for the Effort.

I tried the link and it seem to work up til the last step and then same results closest branch is two states away. Its very weird because your link actually showed 3 cities in north carolina (wonder if these might be old JP Morgan locations) and then it let me drill down to zip codes within those citys but on last step it pops me back to the big map and says nothing within 35 miles and when I expand search radius it then shows West Virgina and Kentucky as the closes states. I have some family up north so I guess I could use a address up there to open a account. Just wondering if using a new address might somehow cause that address to show up on my credit reports. I own a home and have lived there for over 20 years now and I am pretty sure length of time at current residence is factored into scoring somehow.

Re: Chase offer online only banking?

Revelate — Thu, 17 Jan 2013 22:51:17 GMT

Address matters not at all when it comes to FICO, and actually it gets changed / is inaccurate all the time.

Underwriters *might* look at it, and in some cases (*cough* Cap One) who pull multiple reports, if your address don't match between reports people have reported issues.

In your case you may not have much issue having been in once place for decades; on my reports having moved all over the US until 8 years ago, I was pretty stunned and surprised how many outright wrong and mistaken addresses I'd lived at according to my credit reports... and some places I actually had lived weren't there at all.

It's all in what lenders have on record for you when they update their tradelines.