Chase Bank Personal Banking

By: EconomyWatch   Date: 8 September 2010

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Introduction to Chase Bank Personal Banking

Chase Bank Personal Banking consists of Savings Account facilities, Debit Card Services, Credit Card Services, Online Banking Services, Home Equity Loan Facility, Student Loan Facility, Mortgage Services, Investing Services and Insurance Services.

Savings Accounts Facility

Chase Bank Personal Banking offers a wide range of Savings Accounts to serve varied savings need of different customers.

Chase Bank provides mainly five types of Savings Accounts to their customers. Features and benefits of these accounts are discussed below:

1.Chase Savings Account

Features:

  • Account holders are required to pay $4 per month as Monthly Service Fee. But, this Monthly Service Fee is waived off if the saver is below 18 years of age.
  • Customers can enjoy access to more than 8500 ATMs in U.S.A.
  • Account holders get the facility of receiving e-mail statements and e-mail alerts.
  • Customers are benefited from Chase Free Package.
  • Account holders earn attractive rate of interest on their savings.

2.Chase Money Market Savings Account

Features:

  • Account holders are required to pay $12 per month as Monthly Service Fee. But, this Monthly Service Fee is waived off if the customer maintains a certain amount of balance in his Chase Money Market Savings Account.
  • Account holders are benefited from Chase Better Banking Package, which is offered with Chase Money Market Savings Account.
  • Customers get the facility of accessing more than 8500 ATMs all over the U.S.
  • Account holders earn competitive rate of interest on their savings account balance.
  • Customers are also entitled to the facility of online statements and e-mail alerts.

3.Chase Premier Savings Account

Features:

  • Account holders are required to pay $15 per month as Monthly Service Fee if they don’t maintain the required account balance to waive off the Monthly Service Fee.
  • Account holders are offered Chase Premier Package along with the Premier Savings Account.
  • Customers receive competitive rate of interest on the balances of their Chase Premier Savings Account.
  • Account holders get the facility of receiving e-mail statements and e-mail alerts.
  • Customers can enjoy access to more than 8500 ATMs in U.S.A.

4.Chase Premier Platinum Savings Account

Features:

  • Account holders are required to pay $20 per month as Monthly Service Fee on non-maintenance of the required account balance, sufficient to waive off the Monthly Service Fee.
  • Customers enjoy access to over 8500 Chase Bank ATMs in U.S.A.
  • Account holders can get the facility of receiving online statements and also e-mail alerts from Chase Bank.
  • Customers receive good amount of interest on their account balance.
  • Account holders are offered the privileged Chase Premier Platinum Package along with the account.

5.There is another Savings Account offered by Chase Bank which is Chase Retirement Money Market Account.

Debit Card Services

Chase Bank Personal Banking offers a host of Debit Cards which can be used for all everyday purchases and to pay all the monthly bills like insurance payments and utility Bills.The Debit Cards offered by Chase Bank Personal Banking are the following:

1.Chase Continental Airlines Banking Card

Beneficial Features:

  • Customers can choose from the options of $65 Annual Fee Card and $25 Annual Fee Card. With the $65 Annual Fee Card, customers can earn 1 Mile for every dollar qualifying purchase and with the $25 Annual Fee Chase Continental Airlines Banking Card; they can earn 1
  • Mile with Every $2 qualifying purchases.
  • Irrespective of whichever card the customers choose, they are entitled to get 2500 bonus miles after they make their first qualifying purchase with the card.
  • If the card holders buy Continental Airlines tickets with their Chase Continental Airlines Banking Card, then they receive double miles.
  • All these earned miles can be redeemed for Reward Travel on Continental Airlines or for Merchandise, magazines and online auction items.
  • Card holders get the facility of Zero Liability Protection for their card. This means they are not required to pay for the unauthorized purchases made with their card, in case the card is lost or stolen.

2.Chase Leisure Rewards Check Card

Beneficial Features:

  • Card holders can earn Leisure Reward points with every purchase made with the Chase Leisure Rewards Check Card.
  • These Leisure Reward points can be redeemed for travel rewards, entertainment rewards and other leisure-themed rewards.
  • If a Chase Bank Debit Card holder upgrades his card to Chase Leisure Rewards Check Card, then he receives 2500 bonus points.

3.Chase Premier Platinum Check Card

Features:

  • This card is available only to the holders of Chase Premier Platinum Checking Account.
  • The card holders get the facility of Personal Identity Theft Coverage.
  • Card holders get the benefit of higher daily limit with this card.
  • Card holders get other Visa Platinum Check Card benefits.

4.Chase Premier Check Card

  • This card is available only to those who are having a Chase Premier Checking Account.
  • Card holders enjoy all the benefits of Visa Platinum Check Card.

5.Chase Visa Check Card

  • This card has worldwide acceptance because of having the VISA Brand Name.
  • Card holders enjoy 24 hour access to their accounts.

6.Chase United Mileage Plus Check Card

  • Card holders enjoy 24 hour access to their card account.
  • Card holders get the opportunity to earn Mileage Plus miles and other travel rewards from United.

Credit Card Services

Chase Bank Personal Banking offers innumerable types of Credit Cards. All these Credit Cards come with the facility of Balance Transfer, Additional Cards, Fraud Protection and several other facilities.

The most popular general purpose credit cards from chase are:

  • Chase Flexible Rewards Card
  • Chase Flexible Rewards Visa Card
  • Chase Free Cash Rewards Card
  • Chase Free Cash MasterCard
  • Chase Flex MasterCard
  • Chase Freedom Cash Visa Card
  • Chase Freedom Cash MasterCard
  • Chase Freedom Points Visa Card
  • Chase Freedom Points MasterCard
  • Chase Platinum MasterCard
  • Chase Platinum Visa Card
  • Chase Perfect Card
  • Chase Contractor Cash Rewards Card

Other than these cards, Chase Bank Personal Banking provides Credit Cards for different purposes. The other Chase Bank credit cards which cover different purposes are the following:

  • Travel Cards
  • Student Cards
  • Retail Cards
  • Auto and Gas Cards
  • Rebate Cards
  • Entertainment Cards
  • Sports Cards
  • Business Cards
  • Military Cards
  • College and University Alumni Cards
  • Cards To Support Organizations

Online Banking Services

Online banking Services of Chase Bank endows the customers with extended controlling power and greater convenience. Online Banking helps the customers to access not only the checking and savings accounts but also the credit cards, mortgage and auto loan account.

Facilities provided by Online Banking:

  • Customers can access their account from home, office, road, everywhere if they have the Internet connection.
  • Customers can pay their bills online totally free of cost.
  • Customers can see the images of cleared checks using online banking services. They can also save and print the online image of the check.
  • Customers can enroll themselves for getting personalized alerts. These of course provide their accounts an extra level of protection. They can also opt for free daily alerts to keep an eye on their day to day transactions.
  • Using online banking services customers can any time view their account statements. They can save the online statement in PDF format and can even take a print out of the statement.
  • Customers can receive overnight checks by requesting through online banking services.
  • Using online banking services customers can transfer money from one Chase deposit account to another.
  • Customers can give instructions of Stop Payment for a particular check or certain checks through online services.
  • Using online services they can search for and sort their account transactions by date and amount.
  • They can update their mailing address and e-mail address online.
  • Customers can receive online help and answers to their banking related queries

Home Equity Loan Facility

Chase Bank Personal Banking offers Home Equity Loans to the customers which are approved very fast, processed very quick and carries superior service quality.

Customers can choose any one of

  • Chase Home Equity Line of Credit
  • Chase Home Equity Loan

Chase Home Equity Line of Credit

  • This Home Equity Line of credit carries a revolving variable rate line of credit.
  • As this is a line of credit, customers can get the money they need whenever they want.
  • This line of credit uses customer’s home as collateral.

Chase home Equity Loan

  • This Home equity loan carries a fixed rate of interest.
  • There is a fixed payment schedule which is determined by the available equity in the customer’s home.
  • Customers get the loan amount at a time and repay the loan by fixed monthly payments.

Student Loan Facility

Chase Bank Personal Banking offers various kinds of student loans to serve the financial needs of the students. Students can choose the suitable one from the following list according to their profile:

Types of Student Loans offered by Chase Bank Personal Banking are the following:

  • Federal Stafford Loan
  • Parent(PLUS) Loan
  • Chase Grad PLUS Loan
  • Federal Student Consolidation Loan
  • Chase Education One Private Student Loan
  • Chase Select Private Student Loan
  • Chase Medical Education Loan Program

Mortgage Services

Chase Bank Personal Banking provides excellent mortgage solutions to their customers. Customers can apply online for mortgage services and they get the facility to be served by a Local Mortgage Expert of Chase Bank. They can find the right kind of mortgage loan through the Chase Bank Personal Banking Services.

The Mortgage Solutions provided by Chase Bank Personal Banking are the following:

  • 30 Year Fixed Rate Mortgage
  • 15 Year Fixed Rate Mortgage
  • 7/1 LIBOR ARM
  • 5/1 LIBOR ARM

Investing Services

  • Chase Bank Personal Banking provides different types of Investing Services which include:
  • Mutual Fund Investment
  • Retirement Plans like Traditional IRA and Roth IRA
  • Traditional Rollover IRAs for the people who change jobs
  • Fixed Annuity
  • Immediate Annuity
  • Variable Annuity
  • Certificates of Deposits
  • Money Market, Bond and Equity Funds

Insurance Services

Chase Bank Personal Banking provides Whole Life Insurance to their customers. This Insurance covers Medical Costs, Funeral Expenses and Income Replacement for Survivors. This policy provides life long insurance protection to the policy holder.

 

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