Wells Fargo vs Chase

Wells Fargo is an a "big 4" bank with a good range of checking accounts and full services. How does it compare to Chase? Read our comparison chart below.

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.

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

	Wells Fargo	Chase
	Member FDIC	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Wells Fargo Everyday Checking Account - $325 Bonus Read Wells Fargo Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings	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.	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	Standard Fixed Term CD available online: 1.50% to 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 1.51% to 2.01% 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.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier 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 $150,000 on deposit with Chase.
Mobile App	iOS & Android	iOS & Android
ATMs	11,000+ ATMs across the country	15,000+ Chase ATMs
Customer Service	Available 24 hours a day, 7 days a week.	Automated service available 24/7
IRA CD	Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations	approximately 4,100 retail banking branches coast to coast	Over 4,700
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Low requirements for Everyday Checking Full service bank 24/7 customer service Cons: Low savings rates Not in all states	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	A "big 4" bank with a good range of checking accounts and full services... Read full review	National bank with good promotions for new customers... Read full review
	Learn More	Visit Site
		Chase First Banking Referral Program - Up to $500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 06/21/2025 is based on the 91101 zip code. Chase: Pricing information and data points from published website as of 08/26/2025.

Wells Fargo Everyday Checking Account - $325 Bonus

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Expires 10/15/2025

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

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