Charles Schwab Bank vs Chase
Charles Schwab Bank is a popular brokerage with a free checking account that refunds ATM fees. How does it compare to Chase? Read our comparison chart below.
Charles Schwab Bank offers an Investor Checking account with unlimited ATM fee reimbursements worldwide and no foreign transaction fees. No minimum to open and no service fee. It is tied to a brokerage account but you don't have to use it.
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 Charles Schwab Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
| SPECIAL OFFER
3-Month CD - Up to 3.96% APY - Learn MoreRead Charles Schwab Bank Review | SPECIAL OFFER
Chase First Banking - Learn MoreRead Chase Review |
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| | Benefits and Features |
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| Savings | 0.15% APY |
- 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.
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| CD | Offers brokered CDs from other banks. Minimum deposit of $1,000. | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
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| 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.
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| Mobile App | | iOS & Android |
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| ATMs | Unlimited ATM fee rebates when used with ATMs with the Visa, Interlink logo. Available worldwide. | 15,000+ Chase ATMs |
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| Customer Service | 24/7 Live Customer Service (Telephone and Chat) | Automated service available 24/7 |
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| Locations | 345 branches across the country. You may also open an account online. | Over 4,700 |
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| | CreditDonkey® Reviews |
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| Savings |   | |
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| Checking | | |
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| Mobile App | | |
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| Customer Service |  | |
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| CD | | |
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| Pros & Cons | Pros:- No account minimum
- No service fees
- Refund all ATM fees
Cons:- Only checking or savings
- Must do banking online
| Pros:- More than 4,700 branches
- New customer coupons
- Full service banking
Cons:- Low savings rates
- Not in all states
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| Bottom Line | Popular brokerage with a free checking account that refunds ATM fees... Read full review | National bank with good promotions for new customers... Read full review |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Charles Schwab Bank: Pricing information from published website as of 09/30/2025. Chase: Pricing information and data points from published website as of 08/26/2025. |
Which is Better: Charles Schwab Bank or Chase?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Charles Schwab Bank or Bank of America.
In short: Charles Schwab Bank's savings is notable. Chase's mobile app is impressive.
Articles on Charles Schwab Bank
Charles Schwab is more than a brokerage. It also offers high yield checking and savings interest rates that might far surpass your local bank. Read on to learn the pros and cons.
Charles Schwab Bank has a savings account with no fees and a free debit card. But how does its APY stack up against other accounts?
You'll need the right routing number to transfer money in or out of your Charles Schwab bank account. Find yours and learn more about money transfers in our guide.
Articles on Chase
Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.
Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.
Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.
Is Chase Business Complete Banking the right choice for you? Here are the benefits and fees you need to know.
Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.
What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).
What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.
Curious about scoring $600 from Chase? Read on to find out how to qualify and claim a $600 Chase bonus.
Curious if Chase offers a high-yield savings account? Read on to find out.
Looking to open a savings account with Chase? Check out the current rates being offered.
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