JPMorgan Chase bank, National Association products, services and reviews

About JPMorgan Chase bank, National Association

JPMorgan Chase Bank, National Association (Chase) is the primary banking subsidiary of JPMorgan Chase & Co., chartered as a national bank regulated by the Office of the Comptroller of the Currency and insured by the FDIC (Certificate #628). Headquartered in Columbus, Ohio, with its parent company based in New York, the bank operates one of the largest U.S. branch footprints across most states and an extensive network of more than 15,000 ATMs. Consumer products include multiple checking tiers, savings accounts, certificates of deposit, debit cards, credit cards, and home, auto, and small-business lending, along with treasury and merchant services for businesses and wealth management through affiliated units. Monthly maintenance fees apply to many checking and savings accounts but can typically be waived with qualifying direct deposits, minimum balances, or broader relationships; out-of-network ATM and international usage fees may apply. Overdrafts generally incur fees subject to a small negative-balance buffer and daily caps, and non-sufficient funds fees have been discontinued; exact amounts and terms vary by account and are subject to change. Deposit yields on standard checking and savings accounts tend to be modest relative to online-only banks, while promotional CDs may periodically offer higher rates. Digital banking includes mobile check deposit, bill pay, card controls, account alerts, Zelle, and credit-score access, with the mobile app drawing high user ratings in major app stores; customer support is available by phone, secure message, and in-branch. The bank is subject to federal consumer protection and safety-and-soundness oversight, maintains investment-grade credit ratings, and participates in standard FDIC insurance coverage up to applicable limits. Availability, features, fees, and rates can vary by location and customer relationship; prospective customers should review current disclosures before opening accounts.