Posts Tagged ‘chase bank’

Chase Sapphire Card Review

Dissecting a Chase Sapphire Card review may help in making a decision whether the credit card is worth having at this time. If you are interested in a rewards card, you may want to look at Chase Sapphire and see if its benefits are to your liking.

The Chase Sapphire is a decent rewards card which is ideal for people who frequently travel, either for business or pleasure, since the card’s rewards revolve around hotel/flights. Those who spend a lot on airfare and want to earn rewards can earn double points on all airfare purchases through the Chase Travel Booking Tool.

With Chase Sapphire, you will receive reward points that do not expire. You will not find a cap on how many points you can earn and you will not encounter blackout dates when you are ready to book a flight.

To start you off, you get one point for each dollar spent on the card. Even better is the 10,000 bonus points ($100 in rewards) you get with your first purchase on the card. If you choose to make online purchases through more than 300 select stores in the Ultimate Rewards Mall, you can earn up to 10 bonus points for every dollar you spend.

Redeeming the points is straightforward. You can request gift cards from familiar retailers like Best Buy, JCPenny, and others, or redeem points for merchandise from Amazon. It is possible to start redeeming when you have accumulated even as little as $2500.

There is a rather large penalty APR of 29.99% that kicks in if you end up with a late payment or if you are somehow unable to make a payment. If you decide to transfer your balance to Chase Sapphire, you will pay either $5 or 3% of the amount, whichever is greater. Chase Sapphire has an APR for purchases and balance transfers that is set at 12.24% while the APR for cash advances is higher. Most importantly, there is no annual fee.

For more information, visit Chase Online Banking where you can find more details not covered in this Chase Sapphire Card review.

For additional resources about Chase Banking services on this website, please view Chase Small Business Loans.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Small Business Loans

The new Chase Small Business Loans are giving people as an incentive to jumpstart the economy.  One of the purposes of the giant bail out of the banks and their financial system was to help get the economy running again by helping the banks to start making loans. Chase has decided to do this.

With their new small business loans, a company can have a reduction of 0.5% in the interest on their loan when they hire a new employee. This is limited to 4 new hires, so the total reduction can amount to 2.0% of the interest on a loan.

This policy change was initiated by the parent company JP Morgan on June 29, 2010. To further help the American economy, JP Morgan has made a pledge of $10 billion for small business with loans. The qualification is that their net sales have to be less than $20 million annually.

At the present time, Chase already has over $29 billion in loans to business that have less than $20 million in annual sales. The main aim is to help business with less than $10 million in annual sales, but up to $20 million will still qualify for this new program.

Chase has already paid back the $25 billion bailout fund they received from the federal government from the Trouble Asset Relief Program. This new loan program is not tied to any influence because of that previous lone. To find out more, go to Chase Online Banking on how to apply and what the specific qualifications are for the Chase Small Business Loans.

For additional resources about Chase Banking services on this website, please view Chase Checking Accounts Compared.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Checking Accounts Compared

There is a lot of value on Chase Checking Accounts compared to other banks’ checking accounts. Chase has more choices and more ways to bank how you want with the Chase Checking, Chase Better Banking Checking, Chase Premier Checking, and the Chase Premier Platinum Checking. Aside from the convenience and value of a Chase checking account you also get to enjoy several benefits that come free with a Chase checking account.
With any of these checking accounts, you get free access to more than 15,000 Chase ATMs in the U.S., you get to have free online banking and Bill Pay including the Online-On Time Guarantee, you receive free personalized voicemail and email alerts, free online check images, free online statements, and free Chase Debit Card.
The Chase Checking is a great everyday checking account. When you establish monthly Direct Deposit, or if five or more debit card purchases post to your account during each statement period, you will get no minimum balance requirement and no monthly service fee. Otherwise, monthly service fee is $6.00. With Chase Better Banking Checking, monthly service fee is waived with a $1500 minimum checking balance, or $5000 combined average balance in your deposit accounts, investments, and outstanding balances in consumer loans, credit cards, and mortgage loans. Otherwise, monthly service fee is $12.00.
The Chase Premiere Checking provides you maximum value by combining an interest-earning checking account. Monthly service fee is waived with a $15,000 combined average balance in your deposit accounts, investments, and outstanding balances in consumer loans, credit cards, and mortgage loans. Otherwise, monthly service fee is $20.00. With the Chase Premium Platinum Checking, you get a top-tier checking account where you receive some of the best that Chase has to offer, including special interest rates, discounts, priority service, and many special privileges at no additional cost. Monthly service fee is waived if average balance in deposit accounts and investments is $75,000. Otherwise, monthly service fee is $25.00.
The minimum amount to open a Chase Checking, Chase Better Banking Checking, and Chase Premiere Checking is $25, while the Chase Premiere Platinum Checking has a minimum requirement of $5000 for primary account and $100 for additional linked accounts.
There is no minimum balance requirement for the Chase Checking but the combined account balance to meet balance qualifier should come from deposit accounts, CDs, certain investments, credit card, loans, and mortgages for the Chase Better Banking Checking and Chase Premiere Checking. For Chase Premiere Platinum Checking, that will be from deposit accounts and certain investments.
Please visit Chase Online Banking for more details on Chase Checking Accounts. Compared to other banks, Chase has more value and more choices.
For additional resources about Chase Banking services on this website, please view Chase Bank CD Rates.
For additional resources from another bank please view How to Find the Best Checking Account on one of our sister sites onlinebanksblog.com.
A valuable resource named Best 24 Month CD Rates Florida is available on another sister website called bestcdratestoday.com.
Also available on the sister site of bankcdratesonline.com is Best CD Rates Denver.
We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Bank CD Rates

The current Chase Bank CD rates are broken up into two different categories. The first is the standard rates for deposits between $1,000 and $9,999.99. The special CD rates are for deposits above $10,000.

The standard CD rate for the 36 month is 1.01% APY. The 24 month is 1.01% APY. The 18 month CD is at 0.75% APY. The 12 month CD is at 0.25% APY, and the 6 month CD is at 0.25% APY.

The Special CD rates are as follows. For the 60 month CD, it is at 2.75% APY. The 48 month CD is at 2.25% APY. The 36 month CD is at 2.00% APY. The 24 month CD has an APY of 1.50%. The 13 month CD has an APY of 1.01%, and the final term is a 6 month CD with an APY of 0.50%.

There are longer-term CDs reaching up to 10 years. These rates are only obtainable at your local Chase branch office.

All of these rates are fixed term CDs and to receive the stated APY, the interest must stay on deposit along with the principal. If this is not preferred, Chase does offer the option of the interest being deposited in a Chase Savings or Checking account, but then the interest rate would be the new APY and not the rates stated above.

All of the CDs offered by Chase can be for a single person or joint with rights of survivorship to simplify things for any elderly client.

With Chase online banking, rates can be viewed 24/7. These Chase Bank CD rates were posted on June 7, 2010 and were still current as of June 8, 2010.

For additional resources about Chase Banking services on this website, please view Chase Bank Hours.

For additional resources from another bank, please view Mortgage Rates June 2010 on one of our sister sites, onlinebanksblog.com.

A valuable resource named Colorado CD Rates is available on another sister website called bestcdratestoday.com.

Also available on the sister site of bankcdratesonline.com is Bank United CD Rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Bank Hours

While it is true the Chase Bank Hours for their online business is 24/7, there are some fixed hours associated with this financial institution including some departments operating 24/7.

For products and services with the checking, savings, CDs and ATM or debit cards the hours are 7 am till 9 pm local time in every location. This is in operations 7 days a week. There is a 24/7 automated service also available.

For auto financing, the hours are 8:30 am till 5:30 pm local time Monday thru Friday. This too has an automated response service available 24/7.

For personal credit cards along with online account management the hours are 24/7.

For business credit cards along with online account management the hours are 24/7.

To reach someone concerning student loans the hours are Monday thru Friday 8 am toil 9 pm ET.

For home equity line of credit and loans the hours are 24/7.

If you have questions involving investments with Chase the phone are answered 24/7.

If you have a question concerning your mortgage or have decided to refinance your current mortgage representatives is available Monday thru Friday 8 am till 9 pm EST for existing customers and until 11 pm for new customers. They are open on Saturday from 8 am till 5 pm EST for all new and existing customers. This office is closed on Sundays.

Online banking representatives are available 24/7 plus there is an automated service also open 24/7.

Retirement account representatives are available Monday thru Friday 8 am till 8 pm ET and on Saturdays from 9 am till 4 pm ET.

For commercial banking, you must contact your customer service professional or client service officer. These hours vary depending on the office.

For business banking account assistance the hours are 7 am till 9 pm local time 7 days a week. There is also a 24/7 automated service available.

These are the current Chase Bank Hours available to their customers. The Chase online banking website is open 24/7.

For additional resources about Chase Banking services on this website, please view Best Chase Rewards Cards.

For additional resources from another bank please view BB&T Online Banking on one of our sister sites onlinebanksblog.com.

A valuable resource named Arizona CD Rates and Alabama CD Rates is available on another sister website called bestcdratestoday.com.

Also available on the sister site of bankcdratesonline.com is Bank United CD Rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Best Chase Rewards Cards

For the best Chase Rewards Cards, it depends on which type of reward you wish to receive. There are cash back, airline mileage, gifts, and low interest rate cards available as rewards. Best of all, there is no annual fee on any of these credit cards.

The Chase Freedom card offers 5% cash back on popular categories. This card also offers 1% cash back on all items where the 5% cash back is not valid.  The initial APR is at 0% for the first 6 billing cycles, then can be as low as 12.99%. The actual percentage is based on the applicant’s creditworthiness. There is also 20% cash back on selected merchandise when shopping at Chase online.

The Chase Slate card offers an initial 0% APR for the first 12 months. After the first 12 months, the APR will be raised, but could be as low as 13.24%. This new APR will be determined by your credit worthiness.

The Chase Sapphire is the card to have if you wish to earn free airline mileage. After the first purchase with this card, the card holder receives 10,000 bonus points. After that, there are 2 points earned for every dollar spent on the card.  The points never expire and there is no limit to how many you may accumulate.

The Chase Ink means business card is the ultimate rewards credit card. With this card, 10 points are awarded for every dollar spent on purchases online. The points can be redeemed for gifts, travel, gift cards, or cash, the choice is yours. This card is globally accepted and there is zero liability protection.

With Chase Online Banking, the best Chase rewards cards vary depending on your needs and how you use your credit. Go online today and discover which is right for you.

For additional resources about Chase Banking services on this website, please view Chase Credit Card Online.

For additional resources from another bank, please view Denver Mortgage Rates on one of our sister sites, onlinebanksblog.com.

A valuable resource named Best Oklahoma CD Rates  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Credit Card Online

The Chase Credit Card Online service is available 24/7. This is part of the customer service this financial institution has to offer its customers.

This service provides credit card customers the ability to view their transaction online in a safe and secure manner. The one requirement is that the customer sign up for this service, and then log on.

With this service is a set of personalized alerts that can be active to notify you in certain circumstances. The selection of alerts available is a choice of 7 options. You will be notified when your balance reaches a certain level both high and low. When your credit is less than a pre determined percentage of your credit limit, you can have a charge limit that notifies you when the limit is breeched.

There is an alert that sends you a message some days before a payment is due that is set by you. There is also a notice when the payment is missed or the payment is made.

Customers can also make automatic payments to other business with their credit cards. This can be set up online. For those that want to eliminate the paper statement, an eStatement can be set up for added security.

This is also the right place to change or update your personal information that is to be associated with your credit card account.

There is also access to the Clear and Simple money management advice. This is a set of tutorials that can help guide you through the maze of financial decisions you will encounter in the modern world. With Chase Online banking, taking control of your finances has never been easier.

The Chase Credit Card Online service was designed to make your life easier when it comes to handling your credit card accounts.

For additional resources about Chase Banking services on this website, please view Chase Credit Card Complaints.

For additional resources from another bank, please view Armed Forces Bank Online on one of our sister sites onlinebanksblog.com.

A valuable resource named World Bank CD Rates  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Credit Card Complaints

Before and after the financial collapse the world just went through, there were Chase Credit Card complaints. Like with all of the major financial institutions, Chase is an easy company to complain about. Unlike their banking practices that leveled fees against customers for making mistakes, the credit card branch did what they wanted to.

This is why the list of complaints reached epidemic proportions and the US government is taking action to regulate the industry and set new requirements. One of the things that upset many card holders is the raising of interest rates on customers that have never missed a payment.

With the reintroduction of annual fees to help pay back the US government bailout money, the consumer is again being taken. In addition, late last year Chase raises the minimum payment from 2% to 5%. This might sound bad, but in reality is good for the consumer. By having to pay more off the balance each month, the balance is decreased at a faster rate. This means, in the long run you will pay less interest.

The biggest complaint is over the introduction of a monthly service fee. This is an extra $10 a month to cover the cost of Chase employees to do their job. This comes on the heels of the parent company of Chase, JP Morgan, announcing in January that their profits for 2009 were $11.7 billion. It was also announced by JP Morgan that the Chase Credit Card division lost $2.23 billion in 2009 and were not expected to make a profit in 2010.

Chase online banking is a good way to keep an eye on your account and the balance but your Chase Credit Card complaints should be filed with the FTC.

For additional resources about Chase Banking services on this website, please view Chase Bank Complaints.

For additional resources from another bank, please view Best Banks 2010 on one of our sister sites onlinebanksblog.com.

A valuable resource named CD Rates Florida  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Bank Complaints

Like with all large corporations there are Chase Bank complaints. Some of them are legitimist while others are just people that like to complain. This occurs in every type of business known to man.

The complaints that are most valid are the ones reported and acted on by the Consumer Reports and the Better Business Bureau. With the introduction of the internet, there is now a free forum that anyone can say anything about anyone else to harm to them. Because of this many people have decided to defame individuals and corporations without merit. This is a form of revenge that has gone unchecked.

The most common complaints are filed after the account holder did something like miss a payment or go over their credit limit. These complaints stem from Chase not understanding or giving them a break. Chase like all other financial institutions is in business to make money. A majority of their profits are from account holders that break the rules. This is common knowledge by anyone who deals with a bank.

When an account is opened there are rules that govern what will happen if one of them is broken. The simplest and most often paid fee is the maintenance fee for having your balance drop below the level set for that account to be free of fees. I the past the local banker could make the adjustment so the fee would not apply, but not anymore. The banks are too large and set up to collect these fees.

It is not that the people at Chase have no heart. Their hands are tied by their corporation and personal favors are now a thing of the past. The best way to not get hit with fees is to read the literature that accompanies the opening of an account.

If you do want to file with Chase Bank complaints, make sure you did not already break the rules and it is justifiable. To verify your rules and conditions by checking your account rules and please visit Chase online banking official website for more information.

For additional resources about Chase Banking services on this website, please view Chase Home Mortgage Refinancing.

For additional resources from another bank please view Compass Online Banking and M&T Online Banking on one of our sister sites onlinebanksblog.com.

A valuable resource named KeyBank CD Rates  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Debit Card

A better way to make purchases is through a Chase Debit Card and it comes free with your Chase checking account. This is from the consumer and commercial banking division of JPMorgan Chase. The bank is headquartered in Chicago.

Using your debit card from Chase to pay for your purchases like groceries, gas, bills, or even a cup of coffee is easy and convenient. It releases you from carrying cash and relieves you being overly dependent on your credit cards. The money you spend will be deducted from your checking account. This way, you can track and control your spending better.

 You can review all your transactions in detail on Chase Online or on your monthly checking account statement. To be sure you have enough money in your account, you can check your balance or access transaction options on Chase.com with Chase Mobile anytime while on the go. Chase Mobile is free, there is no charge from Chase but message and data rates may apply from your wireless provider. You can also get automatic e-mail or phone daily alerts with your account activity.

Chase’s debit cards are covered with the ultimate in fraud protection. You do not pay for any unauthorized charges or withdrawals and the money is back in your account by the end on the next business day.

Chase will reimburse you for any unauthorized card transactions made at stores, ATMs, on the phone, or online when reported promptly. There is a phone number that you can call found at the back of your card if you need to notify Chase of any unauthorized transactions.

Visit Chase Online Banking to open a checking account and experience the convenience of your free Chase Debit Card.

For additional resources about Chase Banking services on this website, please view Chase CD Rates Review.

For additional resources from another bank please view Treasury Inflation-Protected Securities Explained on one of our sister sites onlinebanksblog.com.

A valuable resource named Best Three Year CD Rates 2010  is available on another sister website called bestcdratestoday.com

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.