You can also access seven years of bank and credit card statements

March 24, 2022 Off By Virgil Olson

You can also access seven years of bank and credit card statements

To help you keep track of your finances, the Chase App lets you see up to 24 months of your transactions.

24-Hour Customer Service

We’ve all had a meltdown or two when we’ve had problems with our bank account, whether that’s being unable to log in or the dreaded scenario where we lose our credit card.

This is helpful if you have an emergency or you can’t figure something out even after looking at the FAQ on the Chase website.

Plus, you may have classes during business hours, so having the ability to call customer service whenever you need is a huge plus for students.

Banking History

You may need to apply for loans through your bank, whether that’s for school-related expenses, getting a car, or doing some renovations on your first apartment.

This is why it pays to have a good history with your bank. Rather than applying to a new bank after graduation, you’ll already have a banking history with Chase.

And hopefully, you’ll have built up solid financial habits so you can show the bank that it’s safe to give you a loan.

You can also sign up for a Chase Student Credit card, which also helps you establish a positive banking history with Chase.

The best banks for students are ones that don’t have service fees. Since you’re making so many purchases as a student, from textbooks to course fees to bill payments, you can imagine how service fees would pile up.

To waive the fees, you need to be a student between 17 and 24 years old. Keep in mind that the $0 monthly service fee lasts up to five years.

Linked Chase Savings Account

With a Chase Student Checking account, you can link a student savings account for free. This will make it easier for you to transfer money and save as much as you can to pay off your student loans or save for post-graduation expenses.

Overdraft Protection

For example, let’s say you forgot that your work-study payments come in on Mondays, not Fridays. But your recent rent bill took more than what you had in your checking account.

Normally, Chase would charge you $34 for an Insufficient Funds Fee. But thankfully, you can set up overdraft protection if you have a linked Chase savings account.

Chase will also waive the overdraft fee if you sign up for overdraft protection and make a deposit to your checking account by the end of the day.

If you make a deposit through ATM or by transferring money on chase, you have to do it by 11 p.m. Eastern time on the day your account had insufficient funds. You can also make the deposit at a Chase branch before it closes on that same day.

No Minimum Balance

You’ll know that some banks want you to have a certain amount of money in your bank account. Otherwise, they’ll charge you fees and may not let you keep the account.

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This makes it easier for you to pay your bills and not worry about having a certain amount in the bank every month. This is useful especially if you have unforeseen expenses such as extra textbooks or medical bills that insurance wouldn’t cover.

Now in Every State

But as of , the bank announced that it was the first bank to have branches in all of the contiguous United States. This means that Chase has locations in all the lower 48 states.

Chase Bank is also halfway through its plan to open 400 more branches by the end of 2022. They want to open 30% of these branches in low- to middle-income areas as well.