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Chase vs Wells Fargo

Chase is a national bank with good promotions for new customers. How does it compare to Wells Fargo? Read our comparison chart below.

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.

While Wells Fargo is one of America's largest banks with over 5,400 locations and 13,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

Compare Chase with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings and reviews.

 Chase
 Visit SiteLearn More
 

Chase

Wells Fargo

SPECIAL OFFER
Chase Bank $200 Bonus - Learn More

Read Chase Review

SPECIAL OFFER
Personal Checking Account - $200 Bonus - Learn More

Read Wells Fargo Review

 

Benefits and Features

Savings
  • 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.
0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or primary account owner is 24 years old or under
CDTerms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.Standard Term CD: 0.10% to 2.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 2.51% APY if you maintain a linked Portfolio by Wells Fargo relationship.
Checking
  • 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.
Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
Money Market Also known as the Platinum Savings Account. 0.01% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 0.02% requires account linked to Portfolio by Wells Fargo relationship.
Customer Service Available 24 hours a day, 7 days a week.
ATMs
16,000+ Chase ATMs
More than 13,000 ATMs across the country.
IRA CD Standard Term CD: 0.01% to 2.50% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 2.51% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market 0.01% APY. $100 minimum opening deposit.
Locations
Over 4,700
Approximately 5,400 retail banking branches coast to coast.
 

CreditDonkey® Reviews

 Chase
SavingsStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarEmpty Star
Mobile AppStarStarStarStarStar
Pros & ConsPros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineNational bank with good promotions for new customers... Read full review Read full review
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

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

Wells Fargo: Pricing information from published website as of 11/05/2022 based on 91107 zip code.

Chase
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 1/25/2023
  • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
  • Access to more than 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℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 1/25/2023
  • New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying transactions.
  • No minimum deposit to open an account and get started.
  • 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.
  • No overdraft fees with a Chase debit card that helps you stay within your balance.
  • Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
  • Get more for your money. Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
  • Open an account online or in person at any Chase branch.
Chase
Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Expires 2/16/2023
  • 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 more than 16,000 ATMs and more than 4,700 branches.

Which is Better: Chase or Wells Fargo?

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


Articles on Chase

Chase Reviews

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 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 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 Total Checking Bonus

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

Chase Business Checking $300 Bonus

Right now, Chase Business Complete Banking is offering a $300 bonus for new customers. Find out how to get this business checking promotion.

Chase Secure Banking Coupon

Earn $100 when you open a Chase Secure Banking℠ with qualifying activities. Here's how to grab the special offer.

How to Open a Chase Business Bank Account

Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

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).

Chase Business Complete Banking Review

Chase Business Complete Banking offers an all-in-one account with business checking and credit card processing. Is it right for you?

Articles on Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

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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