Chase Bank: What You Need to Know in 2025

If you’re thinking about opening a bank account, getting a credit card, or applying for a loan, Chase is one of the biggest names you’ll run into. It offers a wide range of products, from basic checking accounts to high‑reward credit cards. Below we break down the most popular options and give you practical tips to make the most of them.

Checking and Savings Accounts

Chase’s everyday checking account, Chase Total Checking, comes with a debit card, mobile app access and a network of over 16,000 ATMs. The monthly fee can be waived if you set up direct deposit or keep a minimum balance. If you want fee‑free banking, the Chase Secure Banking option has a low monthly charge and still gives you online bill pay.

For savings, Chase offers Chase Savings and Chase Premier Savings. Both earn interest, but the Premier version starts paying a higher rate once you meet a $15,000 balance. Use automatic transfers from your checking to boost your savings without thinking about it.

Credit Cards

Chase is famous for its credit‑card lineup. The Chase Sapphire Preferred is a favorite for travel lovers because it offers 2x points on dining and travel. If you’re after cash back, the Chase Freedom Flex gives 5% on rotating categories and 1% on everything else. The key is to match the card to your spending habits and pay the balance in full each month.

Most cards come with a sign‑up bonus after you spend a certain amount in the first three months. To snag the bonus, plan a big purchase or use the card for regular bills, then pay it off quickly to avoid interest.

Loans and Mortgages

When it comes to loans, Chase offers personal loans, auto loans and mortgages. Their mortgage rates are competitive, especially if you have a good credit score and a stable income. The online pre‑approval process gives you an interest quote within minutes, so you can compare it with other lenders.

If you already own a home, you might consider a home equity line of credit (HELOC) from Chase. It lets you borrow against the equity you’ve built, which can be handy for renovations or consolidating higher‑interest debt.

Online and Mobile Banking

Chase’s mobile app is one of the most robust in the industry. You can deposit checks by snapping a photo, set up alerts for low balances, and even freeze your card if it’s lost. The app also integrates with popular budgeting tools, making it easy to track your spending.

Security is a top priority. Chase uses biometric log‑ins, two‑factor authentication, and real‑time fraud monitoring. If you spot a suspicious transaction, you can dispute it straight from the app.

Practical Tips for Getting the Most Out of Chase

1. **Watch the fees.** Most accounts have ways to waive monthly fees—set up direct deposit, maintain a minimum balance, or use a student status if you qualify.

2. **Use the rewards.** Align your credit‑card choice with where you spend the most. Travel often? Go for Sapphire. Grocery and gas heavy? Look at Freedom Flex.

3. **Leverage automation.** Schedule automatic transfers to savings and set up recurring payments for bills to avoid missed due dates.

4. **Check your credit score.** A higher score lands you better loan rates and credit‑card offers. Chase’s online banking portal includes a free credit score check.

5. **Stay informed.** Chase frequently updates its offers and interest rates. Turn on notifications in the app to catch new promotions early.

Whether you’re opening your first account, hunting for a high‑earning credit card, or refinancing your mortgage, Chase provides tools that can fit a range of financial goals. Use the tips above to cut costs, boost rewards, and keep your money safe.