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. 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 and reviews.
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| Learn More | Learn More | |
Charles Schwab Bank | Chase | |
|---|---|---|
18-Month CD - Up to 4.20% APY - | Chase Bank $400 Bonus - | |
Benefits and Features | ||
| Savings |
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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. |
| Checking |
| |
| Mobile App | ||
| ATMs | Unlimited ATM fee rebates when used with ATMs with the Visa, Interlink logo. Available worldwide. | |
| Customer Service | 24/7 Live Customer Service (Telephone and Chat) | Automated service available 24/7 |
| Locations | 345 branches across the country. You may also open an account online. | |
CreditDonkey® Reviews | ||
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| Savings |   | |
| Checking | | |
| Mobile App | | |
| Customer Service |  | |
| Pros & Cons | Pros:
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| Bottom Line | Popular brokerage with a free checking account that refunds ATM fees... | |
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 06/12/2026. Chase: Pricing information and data points from published website as of 06/18/2026. | ||
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access online banking for small businesses. Take advantage of our digital business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
- More small business owners choose Chase than any other bank
- The #1 choice for small business banking.
Chase Private Client Checking℠ - Up to $3,000 Bonus
- Earn up to $3,000 when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Your dedicated banker and a J.P. Morgan Wealth Management advisor work as a team, providing personalized wealth strategies and one-on-one guidance to help plan your future with more confidence. Your team can also connect you to other specialists like a home lending advisor or business relationship manager.
- Your J.P. Morgan advisor builds a custom wealth strategy that changes as you do, providing one-on-one guidance to help you make informed decisions for your future.
- Get the added benefit of 24/7 customer service to help you manage your accounts. Enjoy waived fees on wire transfers and ATM withdrawals worldwide with the advanced security and protection you expect from a global leader.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000+. - Get up to a $3,000 bonus when you open or upgrade to a Chase Private Client account, a premium checking account which provides you with a dedicated banker and receive investing guidance from J.P. Morgan Wealth Management to help you reach your financial goals.
- Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
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.
Articles on Charles Schwab Bank
Charles Schwab Bank Review
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 High Yield Savings
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?
Charles Schwab Routing Number
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 Bank Review
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.
Chase Business Complete Banking Review
Is Chase Business Complete Banking® the right choice for you? Here are the benefits and fees you need to know.
Chase Routing Number
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).
Chase Private Client vs Sapphire Banking
What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.
Chase Private Client Bonus
Chase is now offering up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account. Find out how to qualify below.
How to Close a Chase Account
If you're ready to say goodbye to your Chase monthly service fees, follow the steps outlined in this guide to close it online, via phone, and more.
Chase First Banking Review
Is Chase First Banking the right debit card for your kid? Before you open an account, find out the pros, cons, fees, and more.
How to Write a Chase Check
Got a shiny new Chase checking account? You're almost ready to make purchases. Read this guide to learn how to write a check from Chase.
Chase Bank Hours
Chase Bank has branches and ATMs across the U.S. Find out when you can visit your local branch in this guide.
Chase Private Client
Discover the real value and premium perks of Chase Private Client ℠. Explore the benefits in this in-depth review and if they're worth it.
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Which Bank Account is Right for You?
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