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Chase Online Banking Overview

Looking at the Chase Online Banking overview, there is so much banking you can do any time you choose to, wherever you may be. Banking online with Chase will give you more free time to spend on more important things. It gives you 24-hour access to your accounts, balances, checks, payments, transfers and much more.

Banking online with Chase makes paying bills easy and convenient. You will never have to miss another payment again. With free Online Bill Pay for qualified accounts, you can pay your utilities, credit cards, and other bills electronically. You can even send a check to family members. Your payments can reach your payees in two days or less. You can setup your account to schedule all your payments when you need your payments sent. There are no envelopes or stamps to buy so you are actually helping the environment by writing fewer checks and using fewer envelopes and stamps.

The free Chase Mobile is a feature you can take advantage from your mobile phone. Text your account and it texts you back if you want to view your account balances, review transaction history, check credit card due dates and amounts. You can bank anywhere your phone goes.

To better stay on top of your accounts, you can also set up account security alerts to be available via phone or email, 24/7. These alerts are sent within approximately 10 minutes of activity. You can be notified when transactions or ATM withdrawals exceed specified limits, or if your online ID or password has been changed, or if your mailing address has been updated. You can also use the alerts to monitor your balances, large transactions, or any account activity.

It is a paperless environment so nobody can steal your user ID or password from your mail. You can see and print your statements anytime, and can even save them to your desktop. Since everything is done electronically, all your notices are sent by email and become available to you faster than postal mail. You can also do wire transfers through Chase Online Banking.

More details from this Chase Online Banking overview are available through the Chase website.

Chase Bank HELOC Rates

The Chase Bank HELOC rates offer benefits that make a Chase home equity line of credit the premier choice when considering a home equity loan. Home owners have several options open to them when they find themselves in need of cash. The home is one of the greatest asset anyone will ever have and most of the time, a home is used as collateral for a loan.

A home equity line of credit works much in the same way as a home mortgage or deed of trust. In both cases, the homeowner takes a loan out from a bank or other institution which places a lien on the property. The only difference is that the home owner either gets the total sum of the loan upfront or can take out increments of the total loan amount during the term of the loan.

A Chase HELOC is a smart way to access funds for whatever you need like home improvements, consolidate credit card debt, sudden illness, weddings, or pay for private school or college tuition. The interest rate of the home equity line of credit is often based on the Annual Percentage Rate (APR) and is usually not fixed so it is pretty much guaranteed to go up on occasion. Chase has competitive rates and you can choose from either the Chase Best Rate Option or the Chase NO Closing Cost Option.

With the Chase Best Rate Option, you get the advantage of the lowest rate available and a flat fee closing cost of $399. The closing costs can be financed into your line, which means leveraging your home’s equity requires no out of pockets expense. As the name implies, by choosing the Chase No Closing Cost Option, you get a home equity line of credit and pay no closing costs. With Chase competitive rates, this option will help you get the home equity line of credit you need without paying any up-front costs. It is advisable you read and understand important Home Equity disclosures very well before you signing up. 

Visit Chase Online Banking to learn more about the Chase Bank HELOC rates.

Chase Cash Back Rewards Card

Experience unlimited cash back with Chase Cash Back Rewards Card. This is the Chase Freedom Credit Card, it has 0% intro APR and has no annual fee. 

This card features 3% bonus cash back offers in popular, rotating categories like gas, home improvements, and department stores. You will be eligible for quarterly bonus rewards offers as long as your account is not in default under, and/or you have not violated, the terms of your Card member Agreement and Rewards Program Rules and Regulations; and your statements are sent to a US address. Quarterly enrollment is required.

You can always earn a full 1% cash back on everywhere else. You will earn a 1% rebate for each $1 of net purchases. You will earn an additional 1% rebate for each $1 of eligible airfare net purchases made online through the program booking tool. There is no maximum number of rebates that you can accumulate in the program. A service fee of up to $20 per ticket may be charged for the use of the Chase toll-free number to book or change airline itineraries. Redemptions made online do not have a service fee.

When you shop online at select merchants through Chase, you earn up to 20% additional cash back. To use the Ultimate Rewards Mall, you must log into your account at the Chase website. Participating merchants and offers are subject to change without notice. Complete Ultimate Rewards Mall details will be provided online prior to shopping.

The length of your introductory period will be 6 billing cycles from account opening for purchases, and 12 billing cycles from account opening for balance transfers made with your response to the offer. APR is valid for introductory period so long as you comply with the terms of your account. Chase applies payments to introductory balances before balances with higher APRs. This means that the length of your introductory period may vary based on your payment amounts and the APRs for other balances on your account.

Visit Chase Online Banking for more details on this Chase Cash Back Rewards Card.

Chase Online Bill Pay

With the Chase Online Bill Pay, paying bills are a lot more convenient. You save up on time because bills get to be paid online wherever you are, as long as you have a computer and access to internet. You can even do this at any given time of the day, or night.

Online Bill Pay is secure and free with qualifying accounts. A qualified account includes any Chase personal or business checking account except Chase Base Checking, which will be charged $4.95 per month for Online Bill Payment service. To activate and use Online Bill Pay, you must be enrolled in Chase Online.

In two days or less, your electronic payments can reach your payees. You can pay virtually anyone and can even send a check to a family member. It also allows you to track your payments from “Sent” to “Paid”.  If you need to, you can also send an Overnight Check. It takes a few minutes to schedule your payments on your utilities, credit cards, and other bills. You can schedule exactly when you need your payments sent and whether to make a one-time or a repeating payment. With the Chase Online, On Time Guarantee, you never need to worry about late payments. There are no envelopes, stamps, or hassles. You will be doing the environment a big favor by writing fewer checks and using fewer envelops and stamps.

If you are not banking online yet, enroll in Chase Online Banking and simplify your life with Chase Online Bill Pay.

Chase Bank Student Loan Consolidation

The Chase Bank Student Loan Consolidation services are available to all students that are thinking about proceeding with this financial decision. Before initializing any changes, a student or previous student that has loans must first be aware of the nature of their loans.

For student loans that were issued between July 1, 1998 and June 30, 2006, the variable interest rate is set by the federal government. This rate can change each July 1^st of every year. The Stafford loans have an upper limit of 8.25% and the Plus loans upper limit of interest is at 9.00%. All loans that have been issued since July 1 2006 are at a fixed interest and cannot be increased or decreased.

The decision to consolidate all of your student loans must weigh in the factors of how it will affect your credit rating and the new interest you will have to pay. Paying off many loans simultaneously does place the responsibility on your shoulders to ensure this is done every month and on time, but is beneficial to your credit score. If the burden is too much or you have already missed a few payments, then consolidation might be your best option.

From the time you graduate or you are no longer enrolled in School, you have a 6 month grace period then 10 years of payments to repay all of the student loans that you took out must occur. The factors you need to consider in this process are the interest rate and the payback time. Just because the interest rate might be higher than what you are presently paying does not mean it will cost you more if the payback time is short enough. Do the math and see which path is the least expensive for you.

If you are unsure of what to do Chase online banking is available 24/7 to assist you with this process and help you make an informed decision whether a Chase Bank Student Loan Consolidation is the right step for you to take.

Chase Credit Card Services

There are several Chase Credit Card services you can choose from. There are Chase personal credit cards and Chase business credit cards, each one having their unique features that will fit every requirement.

There is no annual fee with Chase Sapphire with Ultimate Rewards. Use your card to buy anything you want then use the points you earn to pay yourself back with a statement credit. For starters, you can earn 10,000 bonus points after your first purchase. You can also earn 2 points for every dollar spent on airfare booked through Ultimate Rewards. There are no earning caps and the points you earn never expire. And this is just naming a few.

The Chase Sapphire Preferred Card is a card that offers everything that a Chase Sapphire has to offer plus so much more. You also get to earn 15,000 points after you spend $1000 with the card in 3 months. With it, you can transfer your points at full value to some of the industry’s leading frequent flyer and hotel programs, making it easy to “top off” your account. Chase Sapphire Preferred will automatically reward you a 7% annual dividend on all new points you earned. The annual fee is $85 after your first year, but for your first year that card fee is waived. This is a great credit card for frequent travelers.

Chase Freedom Credit Card has a 3% Cash Back Offers when used in categories like gas, home improvement, and department stores. You will also always earn a full 1% cash back on everywhere else. When you shop online through Chase, you will also earn 20% additional cash back at select merchants. This card has no annual fee and it has 0% intro APR.

Chase Ink with Ultimate Awards is a business card with greater purchasing power, unlimited earning potential, premium business services, and more. It has no annual fee and has 0% intro APR. You will earn 1 point for every $1 of your net purchases. You will also earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool.

Visit Chase Online Banking for more details about Chase Credit Card services.

Chase Bank Bonuses

The Chase Bank bonuses are still not advertised on their website but are still there for certain new checking accounts that will be opened. The personal checking bonus promo has just recently been concluded but there are still some checking bonus promos that are still in effect.

 Opening a new Business Checking account has a $200 banking bonus promo. This requires a minimum deposit of $500 of new money. Opening a new College Checking account has a $50 banking bonus promo. This requires a minimum opening deposit of $25 of new money. New money deposits mean that the money is not currently held by Chase or any of its affiliates. The corresponding bonus will be deposited into your account within 10 days of confirming that the minimum initial deposit is in the account. There is a limit of one checking bonus per customer, per calendar year.

A promotional code need to be presented when you open these particular checking accounts either online or in person. These promotional coupon codes can be obtained through the Chase Online Banking website. Click the “Checking” link found in the homepage which will bring you to the Checking overview page. By clicking on the green “Need to redeem coupon?” button, you will then be issued your own promotional code. You can then proceed to apply online or in person for the checking account with banking bonus once you have this promotional code.

The Business Checking banking bonus promo ends 01/31/2010, and the College Checking banking bonus promo ends on 02/27/2010.

There are also bonus points that you can earn with Chase credit cards plus a $50 cashback with Chase Freedom.

Visit Chase Online Banking or a branch nearest you for more details on the Chase Bank bonuses.

Chase Instant Approval Credit Cards

With Chase Instant Approval Credit Cards, many Americans are still receiving the credit they desire. The best rates are still reserved for those that have always paid their bills on time and have a good debt to income ratio. Because of the recent financial recession, the credit score of an individual has to be higher than before to receive the best rates.

Before the recession, credit scores in the 600s were high enough to receive the best rates. This has changed and now your credit score should be above 700 to receive the best rates. Chase is still offering many applicants instant approval and a 0% introductory rate for the first 12 billing cycles.

After the introductory period in the past, those with good credit could have expected an interest rate as low as 3.99%. Those days are behind us now, with President Obama demanding that all financial institutions that took part in the financial bailout pay back every dollar they took. Those rates are not likely to return any time soon.

At this point in time, Chase is offering their elite customers or those with the best credit score an interest rate of the prime rate plus 9.99%. Those that fall into the premium category, the rates are the Prime Rate plus 13.99%, and the standard rate is the Prime rate plus 18.99%. These rates are one of the ways Chase is going to pay back the government for bailing them out.

With interest rates this high, it is advisable to choose the card that has rewards that you can actually use and benefit from. Chase Online Banking is still a safe and secure way for you to conduct your banking and credit needs.

The Chase Instant Approval Credit Cards are still available of which many people will qualify.

Chase Online Banking $125 Checking Account Bonus

There is a Chase Online Banking $125 Checking Account bonus that is again being offered when you open a new Chase checking account. The offer is open till January 15, 2010.

The Chase homepage does not have an active promotional advertisement with this checking account bonus. To get this bonus, you need to have a coupon code. When you click on the “Checking” link found on the Chase homepage interface, it will take you to an overview of the different checking account choices Chase has to offer. Click on the green “Need to redeem coupon code?” button to obtain a coupon code. Once you have the coupon code, you can then proceed to apply online or open your checking account in person to receive the $125 banking bonus.

You need to open a new personal Chase Checking account with at least $100 minimum opening deposit of new money. This means that the money is not currently held by Chase or any of its affiliates. The $125 bonus will then be deposited into your account within 10 days of initial direct deposit. You must initiate a monthly direct deposit which includes payroll, pension, Social Security, or other government benefits within 60 calendar days of opening the account. Your checking account must remain open for a minimum of 6 months or else the reward will be debited from the account upon closing. Only one personal checking account bonus is allowed per customer, per calendar year. No Chase Checking monthly service fee will be charged when you have a direct deposit or at least 5 debit card purchases post to your account each statement period.

This Checking account bonus is not applicable with High School Checking, Chase College Checking, Chase Access Checking, and New Jersey Consumer Checking accounts.

Apply on Chase Online Banking or in person once you have redeemed your coupon code and take advantage of the Chase Online Banking $125 Checking Account bonus while it is still available.

Chase $100 Check Account Bonus

The Chase $100 Check Account Bonus has been a promotional offer that this financial institution has used several times over the past couple of years. The last time this promotion was run was in October of 2009. At the present time, all links that were associated with this offer show up at the Chase online banking site listed as cannot be found.

Each time this $100 bonus is offered for opening a checking account, there are several requirements. There must also be at least one direct deposit transaction each billing cycle and the ATM card used a minimum of 5 times. If the direct deposit is stopped for any reason, Chase will charge the account a $6 monthly maintenance fee.

The bonus also will not be awarded until 10 days after the first direct deposit has taken place. After which the account must stay open and active for a period of 6 months.

The use of any Chase or participating bank ATMs are free. However, if an ATM from another institution is used, the account will be charged a $2 service fee per transaction by Chase.

Once this promotional offer is active again, a coupon must be printed up and taken to a local Chase Bank branch office for a customer to take advantage of this deal.

This is not the only cash back bonus offer from Chase. They have a $125 promotional offer from time to time. Both have advantages and restrictions.

Be ready the next time Chase $100 Check Account Bonus becomes available and take advantage of it.