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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 Locations

If you need to find Chase Bank locations, all that is needed is to go to the Chase homepage. JPMorgan Chase is one of the Big Four Banks of the U.S. with Bank of America, Citigroup, and Wells Fargo being the others. It is one of the oldest financial services firms in the world with operations in 60 countries. It is a leader in financial services, the largest market capitalization, and the third largest deposit base in the U.S. banking institutions.

The old Chase Manhattan Bank’s headquarters were once located at the One Chase Manhattan Plaza building in downtown Manhattan. The current world headquarters for JPMorgan Chase & Co. are located at 270 Park Avenue. The bulk of North American operations take place in four buildings located adjacent to each other on Park Avenue in New York City. Other groups are located at 383 Madison Avenue. The bank also moved some of its operations to the JPMorgan Chase Tower in Houston when it purchased Texas Commerce Bank. Since merging with Bank One in 2004, the retail services branded as Chase are headquartered at the Chase Tower in Chicago.

There are several Chase Bank branches that can be found anywhere in the U.S. To find branch locations, you can log on to the Chase homepage and find the five Chase branches closest to you with the Chase Branch Locator. All you need to do is enter some of your address information like your city, state, or zip code. You can get better results, however, if you provide more information. The same information is going to be required from you if you are looking for the nearest ATM to you among the 15,000 Chase ATMs nationwide. You can also click on a button to see what ATMs are available outside the U.S. If you need to speak with a live person, phone numbers are also available for every area of concern. With Chase Online Banking, your bases are covered.

A few clicks are all it takes to find Chase Bank locations.

Chase Bank CD Rates

Looking into the current Chase Bank CD rates is a good place to start when thinking of investing in certificates of deposit. Chase traces its history from the 1955 merging of Chase National Bank and the Bank of the Manhattan Company which became known as Chase Manhattan Bank. In 2000, Chase Manhattan Bank merged once again with JPMorgan. Chase is now the consumer and commercial banking division of JPMorgan Chase.

Chase CDs are a safe and wise investment choice that provides a fixed, predictable rate of return. You can enjoy higher fixed interest rates and the security of FDIC insurance if you are able to commit funds for a specified period of time. The yields are available to Chase customers with a qualified Chase checking account.

You can open the standard Chase CD for a minimum opening deposit of $1000. The 6 month CD has an APY of 0.25%. The 12 month CD also has an APY of 0.25%. The 18 month CD has an APY of 0.75%. The 24 month CD has an APY of 1.01%. The 36 month CD also has an APY of 1.01%.

Alternatively, you can also opt for the Chase CD Specials for a minimum opening deposit of $10000. The Chase CD Specials have the following rates. The 7 month CD has an APY of 0.50%. The 13 month CD has an APY of 1.15%. The 24 month CD has an APY of 1.75%. The 30 month CD has an APY of 2.00%. The 48 month CD has an APY of 2.50%. The 60 month CD has an APY of 3.00%. Chase CD Specials interest rates apply only to the initial CD term. When renewal time comes, the CD will automatically renew for the same term at the standard Chase CD interest rate on the renewal date or the relationship interest rate, if you qualify. Visit Chase Online Banking to check current rates in your area.

These Chase Bank CD rates are effective as of 12/02/2009 and are subject to change without prior notice.

Chase Rewards

As part of Chase’s commitment to their consumers, Chase Rewards is now available to their loyal consumers. Following their business principle, they aspire to create powerful brands that carry a commitment of quality and integrity. With keen awareness of the competitive landscape, consistently delivering the best products and service is a priority.

There are several rewards programs that Chase has in store for Chase card users. Enroll to Chase Ultimate Rewards where you get to earn points for every purchase made through certain Chase cards like the Chase Ink Credit Card. You can redeem those points for gift cards, entertainment, and cash back. You can also book restriction-free airfare or plan your entire trip with rental car, hotel and dining reservation. You will earn 1 point for each $1 of net purchases. You will earn an additional 1 point for each $1 of eligible airfare net purchases made online through the program booking tool. However, there are no points earned on balance transfer, cash advances, and cash-like charges such as traveler’s checks, foreign currency, and money orders. There is no maximum number of points that you can accumulate in the program. 

The Chase Sapphire Credit Card comes with access to Ultimate Rewards. It can earn you 10,000 bonus points after your first purchase.  There are no earning caps and the points never expire. Chase Leisure Rewards offers hundreds of exciting rewards from top merchants. Rewards start as low as 2,000 points or you can save up your points for even more reward options. There is a $25 annual membership fee per card.

 Chase Extras for personal debit cards will earn you rewards with every $1 you spend on qualifying purchases which include debit card purchases made without using a PIN. You can also earn points by paying your bills with your debit card.

For Chase Extras on Business debit cards, you will earn double points after $4000 in annual spending. Find out more about Chase’s Airline Rewards, Hotel Rewards, Retail Rewards, Gas Rewards, Points Rewards, Disney Rewards, Priority Club Rewards and more by visiting Chase Online Banking.

With Chase Rewards, you always get something back.

Chase Card Services

For some years now, many have come to trust and rely on Chase Card Services. With the convenience of online banking, Chase customers can easily keep track and manage their accounts as well as their credit cards. Chase has gone the extra mile to provide the convenience and security of their valued customers.

One of Chase’s featured credit cards is Chase Slate Credit Card with a unique set of features that lets you manage your finances on your terms. You can design your plan and view your progress on every statement. It has 0% Intro APR and there is no annual fee. It has zero liability on unauthorized purchases and has the patented Fraud Protection. You can also set up alerts that can be sent either to your email or through text.

Chase Sapphire Credit Card is another featured card. It lets you earn 15,000 points after you spend $1000, earn 2 points for every dollar spent on airfare booked through Ultimate Rewards, has a 1:1 Point Transfer to leading hotel and airline programs. The points you earn never expire and there are no limits on how many points you can earn. Annual fee is $95 but your first year is free.

Also featured is Chase Ink Credit Card, a business card with greater purchasing power. This card earns you up to 10 points per $1 spent when you shop online and you can enroll this in Ultimate Rewards. With Ink credit card you can redeem your points for travel, merchandise, gift cards, or cash back. It has Zero Liability Protection and no annual fee. It is also globally accepted where Visa is accepted.

Enjoy unlimited cash back with Chase Freedom Credit Card. You get $50 cash back after your first purchase. There is a full 1% cash back that you can earn on every purchase, everywhere. You can also earn 3% cash back in rotating categories like gas, home improvement, and department stores. There is 0% Intro APR and no annual fee.  For U.S.-issued cards, there is also Zero Liability Protection.  

For more details, visit the Chase Online Banking website and check out credit cards by category with Chase Card services.

Chase Bank Online

Freedom, convenience, and security are what Chase Bank Online provides its customers nowadays. The bank was known as Chase Manhattan Bank until it merged with JPMorgan in 2000. Chase Manhattan Bank was formed by the merger of the Chase National Bank and the Bank of Manhattan Company in 1955. The bank is headquartered in New York.

Customers can still conduct their usual banking transactions online like they would in a branch office. Customers can actually save time to do their personal banking, business or commercial banking, personal lending such as loans or mortgage, or check on their investments at any given time or place as long as they have access to internet.

You will always enjoy 24/7 access to any of your savings account whether it’s a Chase Savings, Chase Money Market savings, Chase Plus Savings, or Chase Retirement Money Market Account. Save time and simplify your life with Online Bill Pay. It allows you to pay your utilities, credit cards, other bills, or even send a check to a family member. It is not only fast, easy, and convenient but it is also guaranteed with Chase Online, On Time Guarantee. Reduce the chance of a statement getting lost or stolen with Paperless Statements. Your statements get sent to your email as soon as they are available. You can see up to 7 years of statements online then save your statements on your computer and print them later. If you are not bringing your laptop with you but your mobile phone is internet enabled, there now is Chase Mobile to receive a quick text update on your account balance or access to the transaction options on Chase.com – like paying bills or transferring funds on the go. The Chase Wire Transfer Service allows you to send domestic wire transfers in the US with same-day funds delivery or send international wire transfers in US dollars or foreign currency. To receive personalized updates regarding specified account activity on your checking, savings, credit card, line of credit, and loan accounts you can log on to Chase Online Banking and activate Account Alerts.

All these flexibility, ease of access, convenience and security are yours to enjoy with Chase Bank Online.

Chase Auto Finance

It is possible with Chase Auto Finance to buy a new or used car with a loan or refinance an existing loan all at one convenient place.

For a new car loan, Chase offers a no haggling finance service. The actual percentage rate of your new car loan will be determined after all the factors are known. Some of the factors will be the applicant’s credit history, the vehicles make and model, and the amount of the loan along with the term of the loan. The final APR of the loan will be effected by the 90% loan to value of the car. The loan to value is determined by the amount borrowed divided by the value of the car that is determined by the invoice number. The higher your LTV is, the higher your APR will be. All loans are subject to approval by JPMorgan Chase Bank. Chase does offer an exclusive deal for Chase Checking customers with a discount of up to 0.50% off of the standard rate.

For a used car loan, there are more variables that have to be considered. If you are looking at a used car at a dealer, know if it is a factory backed car or just a dealer backed car. This will have an impact on your final APR. The inspection of the car is another crucial part, ask for the inspection list from the dealer. Not all programs from every deal are equal. Know the difference and ask your Chase representative for advice on which is better to minimize your APR. Do the research yourself and make it inclusive.

Using Chase Online Banking is a great place to start when deciding on whether to use one of the Chase Auto Finance services that are available.

Chase Safe Deposit Boxes

Aside from serving millions of consumers with financial services, Chase safe deposit boxes are also available for their customers. Experts say your home may be the worst place to keep valuable things such as birth certificates, deeds to property, or jewelries. There is always the threat to your home like fire, hurricane, or flood which may cause you to lose those things that are valuable to you. You would not have to guess what documents are where when you need them if you suddenly fall ill.

Chase can help you protect documents and valuables that would be difficult or impossible to replace. In a safe deposit box, the items that can be protected but not limited to include jewelry, birth certificates, marriage licenses, property deeds, rare coins and stamps, stock certificates, savings bonds, trust documents, loan documents, automobile lease agreements, automobile titles, employee benefit records, income tax records, insurance policies, confidential items and documents, and even household inventory lists and photos.

Chase has 60 different sizes for their safe deposit boxes that can accommodate just about any need. There is an annual rental fee that you will need to pay as a lease for the safe deposit box. The fees vary depending on the size of the box you will need. A 2in x 5in safe deposit box with Chase, for instance, costs $65 per year to lease. Your annual rental fee is conveniently deducted from your Chase checking or savings account. Please check your local Chase branch for more information on different size safe deposit boxes and their corresponding rental fees. Also check how many times you can access your safe deposit box in a day and what particular hours can you access it. Your local Chase bank should be able to provide you with information regarding the deposit fee for the key, how much the drill fee and key replacement fee is going to be if you lose your key. Find out more from your local Chase branch or thru Chase online banking.

There are a variety of Chase safe deposit boxes that will fit your need.

Chase Certificates of Deposit

Investing in Chase Certificates of Deposit is one way you can enjoy a higher fixed interest rate for funds you can commit for a given period of time. It provides a fixed, predictable rate of return from an institution that serves millions of consumers in the US and many of the world’s most prominent institutional and government clients.

You can establish your CD as a single or joint CD with rights of survivorship. You also have the option of reinvesting your interest into a current CD or simply depositing the interest into a Chase checking or savings account. Customers with a qualified Chase checking account can select the term that matches their needs from Chase Certificate of Deposit or from the Chase CD Specials to enjoy the yields.

The standard Chase CD has a minimum opening deposit of $1,000. The 6 month CD and the 12 month CD both have an APY of 0.25% each. The 18 month CD, 24 month CD, and the 36 month CD all have an APY of 1.01%.

The Chase CD Specials has a minimum opening deposit of $10,000. The 9 month CD has an APY of 0.75%. The 13 month CD has an APY of 1.25%. The 18 month CD has an APY of 1.50%. The 24 month CD has an APY of 2.00%. The 48 month CD has an APY of 2.50%. The 60 month CD has an APY of 3.00%. Keep in mind that the Chase CD Specials rates apply only to the initial CD term. The CD will automatically renew for the same term at the standard interest rate in effect on the renewal date or the relationship interest rate if you qualify.

The APYs are effective for 11/05/2009 only and are subject to updating by 10:00AM Eastern time daily. Rates may vary by market so it is best to check current rates with Chase Online Banking for your convenience. The Chase Certificates of Deposit automatically renew and penalties do apply to withdrawals made prior to maturity.

Chase Checking

You can do all of your Chase Checking either with paper checks or online, the choice is yours. From Chase comes free online banking and bill paying, free account alerts, free telephone access to your checking account, free access to your money with over 15,000 Chase and WaMu ATM’s and free mobile banking all with your Chase Checking account.

There are a total of six different checking accounts offered by Chase to fit the needs of their customers.

The Chase Checking is a standard checking account that has no monthly maintenance fees and no minimum balance if there is a direct deposit established or 5 purchases other than with a debit card occurring each statement period.

The Chase Better Banking Checking has all the same great features of the standard account plus more. This account recognizes your relationship with Chase and the multiple accounts you have with them. By combining your balance of all the different accounts, no monthly fee can be charged. These accounts include the checking, savings, and CD’s, investments, credit cards, loan and mortgage accounts.

The Chase Premier Checking does all that the Chase Better Banking Checking Account does plus give you interest on your current balance.

The Chase Premier Platinum Checking Account has all the benefits of the Premier Checking account plus special offers on CD’s and other investments.

The 2 student checking accounts are specialized for either the high schooler of college student. This will help teach them proper money management along with having outstanding services.

All of these checking accounts are accessible with Chase online banking with account management services, bill paying and transfer of funds 24/7. With Chase Bank, you will always have your account information at your fingertips. With a Chase Checking account your money will also be insured by the FDIC.