Empower vs Chase

Empower is a free advanced tools plus hybrid advisory service for people with over $100k in investments. How does it compare to Chase? Read our comparison chart below.

Empower offers free advanced financial tools and paid wealth management services.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

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

	Empower	Chase
		Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER Free Money Management Tools - Learn More Read Empower Review	SPECIAL OFFER Chase Bank $300 Bonus - Learn More Read Chase 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 a linked Chase College Checking for Overdraft Protection, OR a linked qualifying 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.
CD		Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Annual Fee	0.89% for first $1 million, 0.79% for first $3 million, next $2 million 0.69%, next $5 million, 0.59%, and 0.49% over $10 million
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.
Live Chat Support	No
Mobile App	Yes	iOS & Android
	CreditDonkey® Reviews

Human Advisors
Robo Advisor
Price
Goal Tracker
Budgeting
Customer Service
Ease of Use
Investment Tracking
Retirement Planning
Savings
CD
Checking
Mobile App
Pros & Cons	Pros: Retirement planner Free portfolio advice Robo plus human advisors Cons: $100,000 min for advisory service Higher fees than competitors	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low interest rates Not in all states
Bottom Line	Free advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Visit Site
	Free Money Management Tools Join Empower For Free Empower Personal Cash	Chase Bank $300 Bonus Chase Bank $100 Bonus Chase Business $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Empower: Pricing information from published website as of 04/30/2020 Chase: Pricing information and data points from published website as of 04/09/2024. Empower: Empower Personal Wealth, LLC (“EPW”) compensates CREDITDONKEY INC for new leads. CREDITDONKEY INC is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.

Free Money Management Tools

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Join Empower For Free

Empower Personal Cash

4.70% APY
$0 monthly fee
Withdraw up to $100k per day

Funds placed in the Empower Personal Cash Program are FDIC insured by program banks up to an aggregate of $5,000,000. (up to $10 million for joint accounts)

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Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 7/24/2024

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
Access to more than 15,000 Chase ATMs and more than 4,700 branches
Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
JPMorgan Chase Bank, N.A. Member FDIC
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 fees 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*

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 7/24/2024

New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey^®.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
JPMorgan Chase Bank, N.A. Member FDIC.

Chase Business Complete Banking® - $300 Bonus

Get Coupon

Expires 7/22/2024

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 $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink^® Business credit card.
Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle^®, Online Bill Pay, wire transfers and ACH payments.
Convenient access to payment processing. Process all major debit and credit cards with QuickAccept^®. It's a built-in feature with your Business Complete Checking account.
Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
Trusted and secure financial partner. We're committed to helping you grow and protect your business.

Which is Better: Empower or Chase?

In short: Empower's customer service is excellent.

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