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Charles Schwab Bank vs Chase

Charles Schwab Bank is a popular brokerage with a free checking account that refunds ATM fees. How does it compare to Chase? Read our comparison chart below.

Charles Schwab Bank offers an Investor Checking account with unlimited ATM fee reimbursements worldwide and no foreign transaction fees. No minimum to open and no service fee. It is tied to a brokerage account but you don't have to use it.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.

Compare Charles Schwab Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Chase
 Learn MoreVisit Site
 

Charles Schwab Bank

Chase

SPECIAL OFFER
High Yield Investor Checking – Unlimited ATM Rebates - Learn More

Read Charles Schwab Bank Review

SPECIAL OFFER
Chase Bank $200 Bonus - Learn More

Read Chase Review

 

Benefits and Features

Savings
0.18% APY
  • Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
  • 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.
CDOffers brokered CDs from other banks. Terms range from 1 month to 20 years. Minimum deposit of $1,000.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking0.15% APY, $0.01 account minimum
  • Chase Total Checking®
  • Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
  • Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
  • Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
  • Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Customer Service24/7 Live Customer Service (Telephone and Chat) 
ATMsUnlimited ATM fee rebates when used with ATMs with the Visa, Interlink logo. Available worldwide.
16,000 Chase ATMs
Locations345 branches across the country. You may also open an account online.
Over 4,700
 

CreditDonkey® Reviews

 Chase
SavingsStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarStar
Pros & ConsPros:
  • No account minimum
  • No service fees
  • Refund all ATM fees
Cons:
  • Only checking or savings
  • Must do banking online
Pros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LinePopular brokerage with a free checking account that refunds ATM fees... Read full reviewNational bank with good promotions for new customers... Read full review
 Learn MoreVisit Site

High Yield Investor Checking – Unlimited ATM Rebates

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Charles Schwab Bank: Pricing information from published website as of 07/05/2022.

Chase: Pricing information and data points from published website as of 12/17/2020

Chase
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 7/20/2022
  • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠: $0 overdraft fee when you overdraw your account $50 or less*

*We won't charge an overdraft fee if you are overdrawn $50 or less at the end of the business day. Chase may pay, for a $34 fee, overdraft transactions at our discretion based on your account history, deposits and transaction amount. If you've enrolled in Debit Card Coverage, everyday debit card purchases like groceries, may be approved at our discretion when you don't have enough money in your account.

Chase
Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Expires 7/21/2022
  • Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
  • Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
  • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠
  • Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
  • Alerts to help you stay on top of your account activity.
  • Easy account management through Chase Business Online and the Chase Mobile® app.
  • Unlimited electronic deposits, ACH and Chase QuickDeposit℠.
  • Convenient access to 16,000 ATMs and more than 4,700 branches.
Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 7/20/2022
  • New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
  • No minimum deposit to open.
  • No paper checks to track and no Chase fees on money orders or cashier's checks.
  • Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
  • Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
  • Bank from virtually anywhere with access to 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
  • Secure Banking customers told us they save an average of $50 a month on fees after opening their account.
  • No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

Which is Better: Charles Schwab Bank or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Charles Schwab Bank or Citibank.

In short: Chase's mobile app is impressive.


Articles on Charles Schwab Bank

Charles Schwab Bank Review

Charles Schwab is more than a brokerage. It also offers high yield checking and savings interest rates that might far surpass your local bank. Read on to learn the pros and cons.

Charles Schwab Routing Number

You'll need the right routing number to transfer money in or out of your Charles Schwab bank account. Find yours and learn more about money transfers in our guide.

Articles on Chase

Chase Bank Review

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Open a Chase Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Coupon

Right now, Chase Business Complete Checking is offering a $300 bonus for new customers.

Chase Routing Number

What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

Is Chase Business Checking Good for Small Business

Chase offers 3 business checking accounts. Take a look at their current promotions, requirements, and fees in this guide.

How to Close a Chase Account

If you're ready to say goodbye to your Chase monthly service fees, follow the steps outlined in this guide to close it online, via phone, and more.

Chase Bank Offers

What promotions does Chase have right now? Find out how much you can earn and how to qualify for the latest Chase bank promotions.

Chase Investment Account Bonus

Right now, when you sign up for a J.P. Morgan Self-Directed Investing account and fund it with qualifying new money, you can earn up to $625.

Chase Total Checking Bonus

Chase Total Checking is offering $200 for opening a new account. Find out how to qualify for the bonus below.

Which Do You Think is Best?





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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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