If you’re thinking about using Chase Bank in 2025—especially its online banking features—this review breaks down the good, the bad, and what you need to know in clear, simple words. Chase is one of the largest banks in the U.S., and millions of people use its services every day for checking, savings, and more. Let’s take a close look at what you get, what it costs, and whether it’s worth your time. Bankrate+1
What Is Chase Bank?
Chase Bank is part of JPMorgan Chase & Co., one of the biggest financial institutions in America. It offers traditional banking services like checking and savings accounts, loans, credit cards, and investment products. Chase has both physical branch locations and online services, so customers can choose how they want to bank. Bankrate
Online Banking Features You’ll Love
✔ Easy Mobile App & Online Dashboard
Chase’s mobile app and website are designed to be easy to use for everyday banking tasks. Through the app, you can:
- Check balances and recent transactions
- Deposit checks using mobile deposit
- Pay bills or set up automatic payments
- Transfer money between accounts
- Send money with Zelle instantly
- Track spending and budgeting tools The Motley Fool
The app also includes alerts, fraud protection, and security tools like biometric login (fingerprint or face ID), which makes it secure and convenient. YouTube
Overall, many users appreciate how easy it is to manage their money from anywhere without visiting a branch. The Motley Fool
Main Banking Features
🏦 Checking Accounts
Chase offers a few types of checking accounts, including Chase Total Checking®, which is one of the most popular options. With online banking, you can pay bills, use a debit card, and send money quickly. GOBankingRates
✔ Pros:
- Very large ATM and branch network nationally (helpful even if you bank online). Bankrate
- Mobile deposits, online bill pay, budgeting tools. The Motley Fool
- Free use of Chase ATMs. GOBankingRates
❗ Cons:
- Monthly maintenance fees apply (details below). Bankrate
- Some online-only banks have fewer fees and higher savings interest. NerdWallet
Savings Accounts
Chase also offers savings accounts with basic features. However, the interest rates on these accounts tend to be much lower than what you might find at some online-only banks or high-yield savings accounts. Forbes
Fees & Costs (Important to Know)
Fees are a key part of choosing a bank — and Chase has both fees you can avoid and fees that may apply depending on how you use your accounts. Bankrate+1Monthly Fees
- Chase Total Checking®:
• $15 monthly service fee (waivable)*
• To avoid the fee: have $500+ in monthly direct deposits, keep a daily balance of $1,500+, or maintain a $5,000+ average balance across qualifying accounts. Bankrate
(*This fee increased effective August 24, 2025. Many customers express frustration over higher fees, though there are ways to avoid them with direct deposits or qualifying balances.) The Sun Other Common Fees
- Overdraft fee: $34 per transaction (up to three per day) — but Chase offers tools like Overdraft Assist to avoid some fees. Bankrate
- Non-Chase ATM use: $3 fee domestically, $5 internationally. Bankrate
- Wire transfers: domestic and international wire fees apply. Forbes
Fees can add up, so it’s smart to check whether you qualify to waive monthly charges. Forbes
How It Compares to Other Banks
Chase offers a good mix of physical presence and online banking tools, but it’s not always the best if your priority is low-fee online banking or high savings interest. For instance:
- Some online banks offer no monthly fees and higher savings rates than traditional banks like Chase. NerdWallet
- NerdWallet notes that Chase’s savings rates are lower than many fintech and online options, though its branch network is much larger. NerdWallet
Because of these differences, Chase may be a strong choice if you value both online convenience and in-person service at branches, even if it’s not the lowest-cost option. Bankrate
Customer Experience & Real-Life Pros & Cons
🙌 What People Like
- App is smooth and easy to use, with strong features for deposits, transfers, and budgeting. The Motley Fool
- Large ATM and branch network can be reassuring if you ever need in-person support. Bankrate
- Overdraft assist and security tools can help protect your money. FinanceBuzz
😕 Complaints Some Users Mention
- Fees can be relatively high if you don’t meet waiver conditions. Bankrate
- Some users report challenges with customer service wait times or fee disputes. Ablison
- A few customers discuss frustrations about transfers or app verification problems — though experiences vary widely. Reddit
Every bank has pros and cons, and your experience may differ based on how you use the account.
Verdict: Is Chase Bank Good in 2025?
Chase Bank’s online banking in 2025 is solid, but not perfect. It combines strong digital features with extensive in-person support. If you want a bank that offers both mobile convenience and physical branches, Chase is a reputable and reliable choice. Bankrate
However, if your only priority is lowest fees or highest savings interest, some online-only banks may serve you better. NerdWallet
Before opening an account, think about:
✔ How often you’ll use online vs in-person banking
✔ Whether you can meet fee-waiver requirements
✔ What features matter most (ATM access, interest rates, budgeting tools)