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 5,000 branches and over 14,000 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	Wells Fargo
	Member FDIC	Member FDIC
	Learn More	Learn More
	SPECIAL OFFER Chase Bank $400 Bonus - Learn More Read Chase Review	SPECIAL OFFER Everyday Checking Account - $325 Bonus Read Wells Fargo Review
	Benefits and Features
Savings	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 25. $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: 0.05% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 0.06% 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.
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 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	14,000+ 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 2.25% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.27% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations	Over 5,000	approximately 4,100 retail banking branches coast to coast
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: More than 5,000 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
	Chase Bank $400 Bonus Chase Bank $125 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus
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 04/28/2026. Wells Fargo: Pricing information from the published website as of 04/28/2026 is based on the 91101 zip code.

Member FDIC

Chase Total Checking® - $400 Bonus

Open an Account

Expires 7/15/2026

New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
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*
Chase Mobile^® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Member FDIC

Chase Secure Banking℠ - $125 Bonus

Get $125 Coupon

Expires 7/15/2026

New Chase checking customers enjoy a $125 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.
Unauthorized purchases on your debit card? Let us know right away. With Zero Liability Protection with Chase Secure Banking℠ we'll reimburse you for charges you didn't make.
$0 Monthly Service Fee for customers age 17-24.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app, plus thousands of ATMs and branches.
JPMorgan Chase Bank, N.A. Member FDIC.

Chase Private Client Checking℠ - Up to $3,000 Bonus

Get Upgrade Code

Expires 7/15/2026

Elevate your banking relationship and enjoy a bonus up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
Personalized banking made easier with premium benefits, 24/7 support and access to your banking and investment accounts in one place in the Chase Mobile^® app.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+.
Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
Receive personalized wealth strategies from a J.P. Morgan advisor. Your J.P. Morgan advisor gets to know you, your family and your goals to build a custom financial strategy and investment portfolio that reflects your evolving priorities.
Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

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