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.
Chase Savings
There is a variety of Chase savings accounts for every savings goal. With the convenience of 24/7 online banking, you will not need to schedule a trip to the bank to do bank transactions. For your peace of mind, these accounts are also insured by the FDIC.
For savers just beginning a savings program, the Chase Savings is an excellent point to begin. You can open this account with a minimum initial deposit of only $25.There is a $3 transaction fee per withdrawal in excess of four per monthly statement cycle. A $4 monthly service fee is charged if your daily minimum balance falls below $300.If you are under 18 years of age, both these fees are waived.
Open up a Chase Money Market Savings account with a minimum initial deposit of only $25. This savings account features higher balances along with the convenience of limited check access. Relationship rates are available based on your account being linked to an active Chase Better Banking Checking account with the Chase Better Banking Package. The monthly service fee is $12 if account is not linked or if minimum daily balance of $1,500 is not met.
Earn the highest savings relationship rates when you link either the Chase Premier Platinum Checking account or the Chase Premier Checking account with Chase Plus Savings. Listings of the relationship rates and non-relationship rates can be found at Chase Online Banking. $100 minimum initial deposit is all you need to open a Chase Plus Savings account. The monthly service fee is $20 if account is not linked or if minimum daily balance of $15,000 is not met.
Chase Retirement Money Market account can be opened for a minimum opening deposit of $100. You earn higher rates as your balance increases. The interest rate is tiered and the interest earned is paid on the anniversary of issue. There is a $50 Trustee-to-Trustee transfer fee via check or ACH. There is also a $30 IRA annual fee. Interest is compounded and credited monthly. Transaction limits apply according to federal regulations.
Rates for all Chase savings accounts are effective 11/03/2009 and are current as of 11/04/2009.
Chase Online Banking Overview
With Chase Online Banking, overview of the site is needed to fully understand all the options that are available at your fingertips. The most important thing is that customers should know this site is always safe and secure.
The online site is protected by an encrypted security system that uses Secure Socket Layer technology. All information is scrambled before it is sent across the internet and recoded upon receiving the servers at Chase. When sending a message to Chase, it is advised to use the system on the website. This way, all of the communications will be encrypted for added security. To maintain this high level of security, periodic checks are made on the operations and business practices of this company to ensure that company policies are being followed correctly. The reviews are done by both internal Chase staff members and a third party consultant. All of the reports are delivered directly to the Chase Board of Directors for final review.
As an effort to reduce and eliminate fraud with your banking accounts and the Chase online system, there are a series of alerts that you can set up with your account. The first is a 24/7 security alert system that sends you an alert within 10 minutes of a suspicious activity. These include transactions at ATM that exceed specified limits, online ID or password changes, and any mailing address updates. There are also daily alerts that the account holder can chose to use if they wish to. These include alerts on balances, large transactions, and account activity. These daily alerts are sent out Tuesdays thru Saturdays, between 9 am and 7 pm local time for the account holder’s area.
This Chase Online Banking overview of the security features will keep your money in your accounts until you decide to change its location.
Welcome To Chase Online Banking
Welcome to Chase Online Banking. As a fan of this financial establishment I started this blog to share the advantages of all the wonderful services I current enjoy using.
One of the convenient services that are available is the online wire transfer service. This is a safe and secure way to send money to your loved ones or friends anywhere in the continental U.S. or around the world. The speed of this service is faster than most other banks by allowing same day fund delivery for wire transfers within the continental U.S. This is a safe and secure way to send money. Chase guarantees it with 100% protection against unauthorized online use over your account. Any transaction that is not yours that is reported within 2 days will be automatically covered by Chase.
The only 2 cases where you will not be covered is if you fail to completely exit the online service when you complete any transaction or are negligent in the handling of your user ID and password.
The entire system is paperless unless you print it. No chance of your password being stolen in the mail, because Chase will never send it that way. All of your statements are available online for easy inspection.
There is free bill paying online with a qualified Chase account. This can be for either personal bills or business bills. This service is guaranteed to send the money on time every time.
Chase mobile allows the account holder instant access that comes with multiple safeguards to protect you sensitive information. This is a free service with each account.
There are also security alerts by phone or email within minutes of an unexpected transaction and daily alerts to help avoid fees. By using Chase online banking, you can move into the future with confidence.