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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 15,000 ATMs. They offer a variety of banking, loans and investing services.
While Wells Fargo is one of America's largest banks with approximately 4,100 locations and more than 11,000 ATMs. Offers many checking options, including Everyday Checking and Clear Access Banking for those who have 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, 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.
0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.
CD
Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Standard Fixed Term CD available online: 1.01% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 1.02% to 1.51% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.
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.
Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
Mobile App
iOS & Android
iOS & Android
ATMs
15,000+ Chase ATMs
11,000+ ATMs across the country
Customer Service
Automated service available 24/7
Available 24 hours a day, 7 days a week.
IRA CD
Standard Term CD: 0.01% to 1.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 1.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations
Over 4,700
approximately 4,100 retail banking branches coast to coast
CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons
Pros:
More than 4,700 branches
New customer coupons
Full service banking
Cons:
Low savings rates
Not in all states
Pros:
Low requirements for Everyday Checking
Full service bank
24/7 customer service
Cons:
Low savings rates
Not in all states
Bottom Line
National bank with good promotions for new customers... Read full review
A "big 4" bank with a good range of checking accounts and full services... Read full review
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Chase: Pricing information and data points from published website as of 08/26/2025.
Wells Fargo: Pricing information from the published website as of 10/05/2025 is based on the 91101 zip code.
Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
Wells Fargo Bank, N.A. Member FDIC
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 Bank of America.
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.
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.