topic Re: Thinking of opening a personal Chase checking acct and maybe CC as well. in Personal Finance

Thinking of opening a personal Chase checking acct and maybe CC as well.

AzCreditGuy — Tue, 10 Dec 2024 01:50:07 GMT

How has chase been for you? I am currently with Bank of Amercia and thinking of closing my personal checking and will no longer be using my Business credit card with them and have a BT on my personal CC, so the new checking account will be associated with making payments towards the BofA personal CC.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

dukembams — Tue, 10 Dec 2024 03:24:50 GMT

I personally avoid banks and only utilize credit unions. That said, I have heard Chase is the least of the worst of big banks. YMMV though because for every upset customer they have thousands who love them.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

FicoMike0 — Tue, 10 Dec 2024 03:25:32 GMT

Do they have a no fee, no min account? If not, id pass.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

citymunky — Tue, 10 Dec 2024 03:42:43 GMT

I have a checking and saving with them, but I'm only in for the sign-up bonus and for better credit approval purposes. I will say I didn't like how they handled my ACH saving transfer. I moved money form one of my other banks (Cap1 or Discover, I forget) and I made the ACH transfer from the outside bank. After a week I get called my the Chase fraud department stating that my ACH transfer was going to be deined because (Chase) couldn't tell the amount of money I was holding in the outside bank. In order for me to meet the 30-day deadline, I had to wire money to myself and pay the transfer fee from my outside bank as well as the "wire incoming fee" from Chase. I did call Chase CSR and have that BS incoming fee wavied. Once I get the bonus payout, I will be closing the accts once it safe to do so.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

AzCreditGuy — Tue, 10 Dec 2024 19:30:35 GMT

@citymunky wrote:
I have a checking and saving with them, but I'm only in for the sign-up bonus and for better credit approval purposes. I will say I didn't like how they handled my ACH saving transfer. I moved money form one of my other banks (Cap1 or Discover, I forget) and I made the ACH transfer from the outside bank. After a week I get called my the Chase fraud department stating that my ACH transfer was going to be deined because (Chase) couldn't tell the amount of money I was holding in the outside bank. In order for me to meet the 30-day deadline, I had to wire money to myself and pay the transfer fee from my outside bank as well as the "wire incoming fee" from Chase. I did call Chase CSR and have that BS incoming fee wavied. Once I get the bonus payout, I will be closing the accts once it safe to do so.

I did see the offers for opening a new checking account, that is 1 of the reason I want to open an account but I also want to get a personal and business CC from Chase as well. I would think that would help me...

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

ptatohed — Wed, 11 Dec 2024 08:07:45 GMT

I've been with Chase ever since I was a teenager (at that time Washington Mutual, then Chase) and I have no issues. However, recently, I have been getting tired of earning no interest on my checking money. I keep thousands and thousands in there to cover all my monthly auto-pay bills. So, I am in the process of switching over to my Primis checking. Primis checking was 5.07% for a very long time and just this month turned to 4.85%, still very good. Still working on the conversion. I have a LOT of auto-pays linked to Chase, not to mention my job direct deposit. I put a lot of money in my Primis checking, starting to change all my auto pays to Primis, and lastly, I'll change my direct deposit. I won't close my Chase accounts, they just won't be my primaries.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

Aim_High — Sat, 14 Dec 2024 02:27:09 GMT

I've had a Chase checking account for a few years. I opened it when I was expanding my relationship with them and was considering moving some investment funds. It's not been a primary account for me but I've had no issues with it. I also have Bank of America checking and it was one of my primaries about 20 years ago. Today, I'm Preferred Rewards Platinum Honors so I can keep it open (and also relatively inactive) with no monthly fees from my bank relationship.

I've had good service from my experience with Chase banks and from credit card customer service. I appreciate their large footprint of physical branches across the US as I still travel.

I'm a veteran and Chase has some awesome military banking perks which have made it attractive to keep. I think highly of them because they recognize my military service. I was able to open the Premier Plus Checking which waives the monthly service fee for military members. Here are the features for veterans, plus there are additional perks for those who are serving active duty. See >here< for Chase military banking programs.

No monthly service fee. (Waiving the $25 fee normally requires $15K across Chase deposit accounts or Chase mortgage with automatic payments.)
No minimum deposit to open
No Chase fee on the first four non-Chase ATM transactions each statement period. Surcharge Fees from the ATM owner/network still apply. A Foreign Exchange Rate Adjustment Fee from Chase may apply for ATM withdrawals in a currency other than U.S. dollars.
No fee for Money Orders and Cashier's Checks
No Monthly Service Fee on these accounts when linked:
- Up to two additional personal Chase checking accounts (excluding Chase Sapphire℠ Checking and Chase Private Client Checking℠)
- Chase personal savings account(s), (excluding Chase Private Client Savings℠)

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

Gregory1776 — Sun, 05 Jan 2025 04:12:08 GMT

@ptatohed wrote:
I've been with Chase ever since I was a teenager (at that time Washington Mutual, then Chase) and I have no issues. However, recently, I have been getting tired of earning no interest on my checking money. I keep thousands and thousands in there to cover all my monthly auto-pay bills. So, I am in the process of switching over to my Primis checking. Primis checking was 5.07% for a very long time and just this month turned to 4.85%, still very good. Still working on the conversion. I have a LOT of auto-pays linked to Chase, not to mention my job direct deposit. I put a lot of money in my Primis checking, starting to change all my auto pays to Primis, and lastly, I'll change my direct deposit. I won't close my Chase accounts, they just won't be my primaries.

It's a month now, how is this going for you? just learned of this Primis and after church tomorrow (before if i wake up) im opening a checking account. 4.5% on my checking account is insane.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

Realist — Mon, 06 Jan 2025 05:00:33 GMT

Chase is a large financial instution, capable of offering significant opportunities others don't seem to provide. Their current offer is a $900 cash bonus if you park $15k into an account for a few months, and establish a small direct deposit. Few others in the arena have that kind of buying power over the public.

With that said, I would never bank with Chase any other than a temporary transaction. I would utilize the Chase bank SUBs only, and keep with my normal bank, or credit union. I have a half dozen of each. Different buckets an all, with each offering something that I want. Close the Chase account down after useage, and then reapply one to two years later, with whatever generous terms are there for the next SUB.

This recommendation is only if maximum opportunity matters to you. Otherwise, Chase is a fine entity to bank with. If the world would end, Chase would be one of the last financial institutions still standing. I want to use the power of their SUBs personally.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

AzCreditGuy — Tue, 07 Jan 2025 14:29:13 GMT

So far Chase been good, direct despoist went into the account, I just got my debit card. I plan on going in on the 14th to open up a Buss and credit cards with Chase.

I will say I experienced something that I didnt like, when I did a Zelle payment to another bank, I got a questionaire from Chase why I was sending the money? One question was about about investment and another was about sending it as a gift. I choice "other" as in NOYB lol

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

mAtchew — Mon, 03 Feb 2025 22:20:23 GMT

I have been a Chase member for the last 12 years or so. Never really had any huge issues. From what I can remember, the few issues that I did encounter were due to my own error, and I was assisted the best they could at that point in time. I am in the process of closing my accounts now (checking/savings), but only moving to a credit union that I get access to via my employer. I get my salary a few days earlier sometimes, and have more access to ATMs in their network without fees. This should be helpful because I am kind of smack dab in the middle of two Chase branches which is annoying when having to visit one. I would recommend Chase, though, to anyone asking. I really like their app and web dashboard, FWIW.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

Copenix — Tue, 18 Feb 2025 11:40:18 GMT

@AzCreditGuy wrote:
How has chase been for you? I am currently with Bank of Amercia and thinking of closing my personal checking and will no longer be using my Business credit card with them and have a BT on my personal CC, so the new checking account will be associated with making payments towards the BofA personal CC.

I have banked with Chase for a few years now - I haven't had any issues. Great mobile app in my opinion. Added a few CCs in 2024 - and I'm liking everything so far.

Re: Thinking of opening a personal Chase checking acct and maybe CC as well.

BrittNV — Thu, 06 Mar 2025 01:58:58 GMT

Have had a Chase bank account about 2 years now.... Love it.... Opened because I have Cap One and needed a physical bank.