Ponce Bank vs Chase

Ponce Bank is a community bank that offers several high-yield savings options through Raisin. How does it compare to Chase? Read our comparison chart below.

Ponce Bank was founded in the Bronx in 1960 by Puerto Rican migrants, at a time when traditional banks had abandoned the neighborhood. Today, they are a proud certified Minority Depository Institution and Community Development Financial Institution (CDFI), and remain dedicated to serving financially-vulnerable communities.

Their not-for-profit, The Ponce de Leon Foundation, supports local initiatives in affordable housing, education, healthcare, and more.

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 Ponce Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Ponce Bank	Chase
		Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER 6-Month High-Yield CD - 4.00% APY - Learn More Read Ponce Bank Review	SPECIAL OFFER Chase Bank $300 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings		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.
CD	3-Month High-Yield CD - 4.40% APY 4 Month No-Penalty CD - 4.20% APY 6-Month High-Yield CD - 4.00% APY 1-Month High-Yield CD - 3.00% APY 9-Month High-Yield CD - 3.00% APY 48-Month High-Yield CD - 1.61% APY 13-Month High-Yield CD - 1.31% APY 11-Month High-Yield CD - 1.21% APY	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
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 $250,000 on deposit with Chase.
Mobile App		iOS & Android
ATMs		15,000+ Chase ATMs
Customer Service		Automated service available 24/7
Locations	14 branch locations	Over 4,700
	CreditDonkey® Reviews

Savings
CD
Fees
Money Market
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Various savings options Low monthly fees Wide ATM network Cons: Limited physical location	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Community bank that offers several high-yield savings options through Raisin... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Visit Site
	6-Month High-Yield CD - 4.00% APY 48-Month High-Yield CD - 1.61% APY 13-Month High-Yield CD - 1.31% APY	Chase Bank $300 Bonus Chase Bank $100 Bonus Chase Business $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Ponce Bank: Pricing information from published website as of 11/14/2024. Chase: Pricing information and data points from published website as of 11/20/2024.

Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 1/22/2025

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
JPMorgan Chase Bank, N.A. Member FDIC
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
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*

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 1/22/2025

New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
JPMorgan Chase Bank, N.A. Member FDIC.

Chase Business Complete Banking® - $300 Bonus

Get Coupon

Expires 1/16/2025

Earn $300 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink^® Business credit card.
Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle^®, Online Bill Pay, wire transfers and ACH payments.
Convenient access to payment processing. Process all major debit and credit cards with QuickAccept^®. It's a built-in feature with your Business Complete Checking account.
Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
Associate Debit and Employee Deposit Cards available upon request

Which is Better: Ponce 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 Ponce Bank or Bank of America.

In short: Ponce Bank's cd is impressive.