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Ponce Bank vs Chase
Ponce Bank is a community bank that offers several high-yield savings options through Raisin. How does it compare to Chase? Read our comparison chart below.
Ponce Bank was founded in the Bronx in 1960 by Puerto Rican migrants, at a time when traditional banks had abandoned the neighborhood. Today, they are a proud certified Minority Depository Institution and Community Development Financial Institution (CDFI), and remain dedicated to serving financially-vulnerable communities.
Their not-for-profit, The Ponce de Leon Foundation, supports local initiatives in affordable housing, education, healthcare, and more.
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 Ponce Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Chase Savings: 0.01% APY. $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
3-Month High-Yield CD - 3.90% APY
4 Month No-Penalty CD - 3.90% APY
4-Month High-Yield CD - 3.90% APY
6-Month High-Yield CD - 3.90% APY
1-Month High-Yield CD - 3.00% APY
9-Month High-Yield CD - 3.00% APY
48-Month High-Yield CD - 1.61% APY
13-Month High-Yield CD - 1.31% APY
11-Month High-Yield CD - 1.21% APY
Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
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 $150,000 on deposit with Chase.
Mobile App
iOS & Android
ATMs
15,000+ Chase ATMs
Customer Service
Automated service available 24/7
Locations
14 branch locations
Over 4,700
CreditDonkey® Reviews
Savings
CD
Fees
Money Market
Checking
Mobile App
Customer Service
Pros & Cons
Pros:
Various savings options
Low monthly fees
Wide ATM network
Cons:
Limited physical location
Pros:
More than 4,700 branches
New customer coupons
Full service banking
Cons:
Low savings rates
Not in all states
Bottom Line
Community bank that offers several high-yield savings options through Raisin... Read full review
National bank with good promotions for new customers... Read full review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.
Ponce Bank: Pricing information from published website as of 11/05/2025.
Chase: Pricing information and data points from published website as of 10/21/2025.
Which is Better: Ponce 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 Ponce Bank or Wells Fargo.
Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.
