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J.P. Morgan Chase. Silvia Moran Period: 2. Some History…. The bank was known as “Chase Manhattan Bank” until it merged with J.P. Morgan & Co. in 2000. Headquarters- Chicago , since it merged with Bank One Corporation in 2004.

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j p morgan chase

J.P. Morgan Chase

Silvia Moran

Period: 2

some history
Some History…
  • The bank was known as “Chase Manhattan Bank” until it merged with J.P. Morgan & Co. in 2000.
  • Headquarters- Chicago, since it merged with Bank One Corporation in 2004.
  • In 2008, the bank acquired the deposits and most assets of Washington Mutual.
  • One of the Big Four banks in the U.S.
  • Fun Fact: Chase offers more than 5,300 branches and 16,500 ATMs nationwide.
chase
Chase

Location

Imaging/branding

  • National Bank
    • a bank chartered by the U.S. government and formerly authorized to issue notes that served as money.
  • Commercials about direct deposits using the iPhone
  • Spanish commercials are appealing to Hispanics
checking accounts
Checking Accounts

Chase Total Checking

Chase Premier Plus Checking

Chase Premier Platinum Checking

Student Checking

***Each one has free access to more than 16,500 ATMs & 5,300 branches nationwide***

chase total checking
Chase Total Checking

Benefits

  • FREE Chase Debit Card, Online Banking and Bill Pay, Chase Mobile banking, Account alerts
  • Minimum Deposit to Open= $25
  • No Monthly Service Fee
    • Direct deposits totaling $500 or more made to this account.
    • OR with a $1,500 minimum daily balance
    • OR, with an average daily balance of $5,000 or more in linked deposits/investments

Otherwise, a $12 Monthly Service Fee applies.

chase premier plus checking
Chase Premier Plus Checking
  • All the benefits of Chase Total Checking, plus:
  • Earns interest
  • FREE Chase design checks, Safe Deposit Box
  • No Non-Chase ATM fee charged by Chase for the first four Inquiries, Transfers and Withdrawals each statement period for using another institution´s ATM
  • No fee for money orders, official checks, travelers checks and gift cards
chase premier plus checking cont
Chase Premier plus checking (CONT.)
  • Chase Plus Savings with no Monthly Service Feeand higher interest rates
  • Two additional Chase Premier Plus Checking accounts with no Monthly Service Fee
  • Chase Business Select Checkingaccount with no Monthly Service Fee
  • Minimum Deposit to Open= $25
  • No Monthly Service Fee
    • With an average daily balance of $15,000 or more in linked deposits/investments

Otherwise a $25 monthly Service Fee

chase premier platinum checking
Chase premier platinum checking
  • All the benefits of Chase Premier Plus Checking, plus:
  • Earns interest
  • FREE Personal Style checks
  • No Non-Chase ATM fee charged by Chase for using another institution´s ATM
  • No Overdraft Protection Transfer Fee
  • No Incoming Wire Transfer Fee
  • No Stop Payment Fee
  • Chase Plus Savings with no Monthly Service Fee and higher interest rates
chase premier platinum checking cont
Chase Premier platinum checking (cont.)
  • Two additional Chase Premier Platinum Checking accounts with no Monthly Service Fee
  • Chase Business Select Checking account with no Monthly Service Fee
  • Minimum Deposit to Open= $100
  • No Monthly Service Fee
    • With an average daily balance of $75,000 or more in linked deposits/investments
  • Otherwise a $25 monthly Service Fee applies
student checking
Student Checking

High School

College

  • All the benefits of Chase Total Checking
  • Minimum Deposit to Open= $25
  • No Monthly Service Fee
    • With a qualifying linked parent/guardian checking account;
    • OR, with monthly direct deposit

Otherwise a $6 monthly Service Fee

  • All the benefits of Chase Total Checking
  • Minimum Deposit to Open = $25
  • No Monthly Service Fee
    • If enrolled in college for up to five years;
    • OR, with monthly direct deposit

Otherwise a $6 monthly Service Fee

saving accounts cds
Saving Accounts & CDs

Chase Savings

Chase Plus Savings

Chase CD

Chase CD Special

chase savings
Chase Savings

Benefits

  • FREE Automatic Savings Program, Online Banking, Chase Mobile banking, Account alerts
  • Access to more than 16,500 Chase ATMs and 5,300 branches nationwide
  • Earns interest
  • By linking this account to your Chase checking account, you may use it for Overdraft Protection
  • Minimum Deposit to Open= $25
  • No Monthly Service Fee
    • Minimum of $300 or more in this account
    • At least one repeating automatic transfer of $25 or more from Personal Chase Checking each month
    • Under 18 years old

Otherwise, $5 Monthly Service Fee

chase plus savings
Chase Plus Savings
  • All the benefits of Chase Savings, plus:
  • Higher balances earn a higher interest rate
  • Earn relationship rates when linked to an active qualifying checking account (Otherwise non-relationship rates apply)
  • Minimum Deposit to Open= $100
  • No Monthly Service Fee
    • With a minimum daily balance of $15,000 or more in this account

Otherwise a $20 Monthly Service Fee

certificates of deposit
Certificates of deposit

Chase CDs

Chase CDs Special

  • $1,000 Minimum Opening Deposit
  • $10,000 Minimum Opening Deposit
  • Also requires a Chase Checking Account
works best for me
Works Best for me

Student Checking

(High School)

It would be linked to my parents checking account. So, I wouldn’t have to pay the $6 monthly fee.

credit card

Credit card

Visa

Bank that issues it?

Bank of America

bank of america
Bank of America
  • It’s the second largest bank holding company in the United States by assets.
  • Headquarters- Charlotte, North Carolina.
  • It’s one of the “Big Four banks in the U.S
  • It is a national bank
slide18

Is a global payments technology company that enables consumers, businesses, financial institutions and governments to use digital currency instead of cash and checks.

evaluation of card
Evaluation of Card
  • What is the APR?
    • 20.24%
  • Annual Fee- $39
  • Penalty for paying late- Up to $35
  • Rewards/Incentives
    • Help establish or rebuild credit
    • Account reviewed after 12 months to see if you can upgrade to an unsecured card and a refund of Security Deposit
    • Request a tap & pay device, including an additional card with built-in tap & pay functionality
  • Protections (Total Security Protection Package)
    • Card is lost or stolen, Bank of America reimburses transaction
    • Guaranteed Credit
    • Fraud Monitoring
    • Photo Security
    • Online Protection
    • Privacy Policy