Chase vs Bank of America
type: Article
description: Chase and Bank of America are the two largest banks in the United States, with Chase offering slightly lower minimum account requirements and more flexible checking options, while Bank of America provides broader branch availability and integrated wealth management services. Both institutions offer competitive rates, extensive ATM networks, and comprehensive digital banking platforms.
language: en-US
date published: 2026-04-25T07:56:08.269Z
date created: 2026-04-25T07:56:08.269Z
date modified: 2026-04-25T07:56:08.270Z
content reference time: 2026-04-25T07:56:08.270Z
author: A Versus B
publisher: A Versus B
about: Chase
about: Bank of America
abstract: Chase and Bank of America are the two largest banks in the United States, with Chase offering slightly lower minimum account requirements and more flexible checking options, while Bank of America provides broader branch availability and integrated wealth management services. Both institutions offer competitive rates, extensive ATM networks, and comprehensive digital banking platforms.
text: Checking Account Minimums. Checking Account Variety. Physical Branch Network. ATM Network. Credit Card Rewards (Top Tier). Mobile App Users. Wealth Management Assets. Q1 2026 Net Income
conclusion text: Both Chase and Bank of America are equally reliable banking giants with distinct strengths. Choose Chase if you prioritize lower account minimums, better rewards programs, and innovative digital features, or Bank of America if you value extensive branch networks and comprehensive wealth management services. Your choice should depend on which services align best with your financial needs.
additional property: Total Physical Branches
  type: PropertyValue
  value: Chase: 4,800 | Bank of America: 3,800
  value reference: Chase
additional property: New Branches Opening (2026)
  type: PropertyValue
  value: Chase: 160+ | Bank of America: 165+
  value reference: Bank of America
additional property: Premium Service Centers
  type: PropertyValue
  value: Chase: 21 with expansion plan | Bank of America: 165+ full financial centers
  value reference: Bank of America
additional property: Best Travel Rewards Card
  type: PropertyValue
  value: Chase: Chase Sapphire Preferred (3x points) | Bank of America: Bank of America Premium Rewards (1.5x points)
additional property: Digital Engagement Value
  type: PropertyValue
  value: Chase: Not specified | Bank of America: $30 billion client interactions
additional property: AI-Driven Personalization
  type: PropertyValue
  value: Chase: Standard digital banking features | Bank of America: Advanced AI-personalized solutions
additional property: Credit Card Rewards Program Depth
  type: PropertyValue
  value: Chase: Chase Ultimate Rewards (10+ redemption categories) | Bank of America: Standard rewards catalog (5-7 categories)
additional property: Geographic Market Coverage (2026)
  type: PropertyValue
  value: Chase: 30+ states | Bank of America: 63 markets
  value reference: Bank of America
additional property: Investment Advisory Services
  type: PropertyValue
  value: Chase: Solid advisory offerings | Bank of America: Comprehensive wealth management focus
additional property: Mobile App User Rating
  type: PropertyValue
  value: Chase: Highly rated, feature-rich | Bank of America: Highly rated with AI integration
additional property: Checking Account Minimum Balance
  type: PropertyValue
  value: Chase: Varies by account type ($500-$15,000) | Bank of America: Varies by account type ($500-$10,000)
additional property: Overall Customer Satisfaction Score
  type: PropertyValue
  value: Chase: Ranks higher across banking metrics | Bank of America: Competitive with digital strengths
additional property: Total Assets
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Total Loans Portfolio
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Credit Card Rewards Tiers
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Expected Loan Growth (2026)
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Net Interest Income Guidance (2026)
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Digital Banking Innovation Score
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Mortgage Product Competitiveness
  type: PropertyValue
  value: Chase: Chase | Bank of America: N/A
additional property: Total Assets Under Management
  type: PropertyValue
  value: Chase: Chase: $3.8T | Bank of America: BofA: $3.6T
  value reference: Chase
additional property: Physical Branches
  type: PropertyValue
  value: Chase: 4,700 branches | Bank of America: 4,300 branches
  value reference: Chase
additional property: ATM Network Size
  type: PropertyValue
  value: Chase: 16,000+ ATMs | Bank of America: 16,000+ ATMs
additional property: Mobile App Users
  type: PropertyValue
  value: Chase: 42 million users | Bank of America: 38 million users
  value reference: Chase
additional property: Top Credit Card Cashback Rate
  type: PropertyValue
  value: Chase: 5% rotating categories | Bank of America: 3.5% preferred categories
  value reference: Chase
additional property: Minimum Checking Balance
  type: PropertyValue
  value: Chase: $0 (most accounts) | Bank of America: $500-$2,500
  value reference: Chase
additional property: Q1 2026 Net Income
  type: PropertyValue
  value: Chase: $8.6 billion | Bank of America: $7.3 billion
  value reference: Chase
additional property: Wealth Management Assets
  type: PropertyValue
  value: Chase: $2.8 trillion | Bank of America: $2.9 trillion
  value reference: Bank of America
additional property: Travel Redemption Partners
  type: PropertyValue
  value: Chase: Hyatt + Chase Travel only | Bank of America: N/A
additional property: Savings Account APY
  type: PropertyValue
  value: Chase: Standard rates | Bank of America: N/A
additional property: Earning Simplicity
  type: PropertyValue
  value: Chase: 5+ categories | Bank of America: N/A
additional property: Hotel Partnership Value
  type: PropertyValue
  value: Chase: 1:1 Hyatt guarantee | Bank of America: N/A
additional property: Premium Card Features
  type: PropertyValue
  value: Chase: Comprehensive (Sapphire) | Bank of America: N/A
additional property: Base Cash Back / Points Rate
  type: PropertyValue
  value: Chase: 3-5x (category-based) | Bank of America: N/A
additional property: Monthly Checking Account Fee
  type: PropertyValue
  value: Chase: N/A | Bank of America: $12
additional property: Overdraft Fee
  type: PropertyValue
  value: Chase: N/A | Bank of America: $35 per transaction
additional property: Auto Loan APR (Prime borrower)
  type: PropertyValue
  value: Chase: N/A | Bank of America: 6.49%
additional property: CD Rate (12-month)
  type: PropertyValue
  value: Chase: N/A | Bank of America: 4.10%
additional property: Total Assets Under Management
  type: PropertyValue
  value: Chase: N/A | Bank of America: $2,935 billion
additional property: Stock Trading Commission
  type: PropertyValue
  value: Chase: N/A | Bank of America: $0 per trade
additional property: Mutual Fund Selection
  type: PropertyValue
  value: Chase: N/A | Bank of America: 800+ funds
additional property: Physical Locations
  type: PropertyValue
  value: Chase: N/A | Bank of America: 4,200+ branches
additional property: Mobile App Rating
  type: PropertyValue
  value: Chase: N/A | Bank of America: 4.3 stars
additional property: Account Minimum Requirement
  type: PropertyValue
  value: Chase: N/A | Bank of America: $0 for brokerage
additional property: Assets Under Management
  type: PropertyValue
  value: Chase: N/A | Bank of America: $3.2 trillion
additional property: Total Assets (USD Trillions)
  type: PropertyValue
  value: Chase: N/A | Bank of America: $3.45 trillion
additional property: Number of U.S. Branches
  type: PropertyValue
  value: Chase: N/A | Bank of America: 4,250
additional property: Minimum Balance for Interest Checking
  type: PropertyValue
  value: Chase: N/A | Bank of America: $500
additional property: J.D. Power Customer Satisfaction (2025)
  type: PropertyValue
  value: Chase: N/A | Bank of America: 724 points
additional property: Major Regulatory Enforcement Actions (2020-2025)
  type: PropertyValue
  value: Chase: N/A | Bank of America: 3 actions
interactivity type: active
significant link: https://www.aversusb.net/entity/chase
significant link: https://www.aversusb.net/alternatives/chase
significant link: https://www.aversusb.net/entity/bank-of-america
significant link: https://www.aversusb.net/alternatives/bank-of-america
significant link: https://www.aversusb.net/api/answer/bank-of-america-vs-chase
significant link: https://www.aversusb.net/api/v1/schema/bank-of-america-vs-chase
related link: https://www.aversusb.net/compare/bank-of-america-vs-capital-one))
related link: https://www.aversusb.net/compare/bank-of-america-vs-wells-fargo)
related link: https://www.aversusb.net/compare/wells-fargo-vs-bank-of-america)
related link: https://www.aversusb.net/compare/chase-vs-wells-fargo
related link: https://www.aversusb.net/compare/capital-one-vs-chase
related link: https://www.aversusb.net/compare/bank-of-america-vs-ally-bank
related link: https://www.aversusb.net/compare/bank-of-america-vs-fidelity
related link: https://www.aversusb.net/compare/bank-of-america-vs-wells-fargo
teaches: How to choose between Chase and Bank of America
genre: Finance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Chase vs Bank of America — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Chase
type: Organization
language: en-US
description: Diversified financial institution with premium travel-focused credit card offerings.
subject of: Chase vs Bank of America

Bank of America
type: Organization
alternate name: BOA
alternate name: Bank Of America
language: en-US
description: Largest U.S. bank by assets ($3.45T) with global operations, 4,200+ branches, and comprehensive financial services.
image: ImageObject
  caption: Bank of America
subject of: Chase vs Bank of America
image: ImageObject
  caption: Bank of America

Chase vs Bank of America — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Chase vs Bank of America. Contains 72 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: Total Physical Branches
  type: PropertyValue
  value reference: Physical Presence
variable measured: New Branches Opening (2026)
  type: PropertyValue
  value reference: Expansion
variable measured: Premium Service Centers
  type: PropertyValue
  value reference: Luxury Services
variable measured: Best Travel Rewards Card
  type: PropertyValue
  value reference: Credit Products
variable measured: Digital Engagement Value
  type: PropertyValue
  value reference: Digital Innovation
variable measured: AI-Driven Personalization
  type: PropertyValue
  value reference: Technology
variable measured: Credit Card Rewards Program Depth
  type: PropertyValue
  value reference: Rewards
variable measured: Geographic Market Coverage (2026)
  type: PropertyValue
  value reference: Expansion
variable measured: Investment Advisory Services
  type: PropertyValue
  value reference: Wealth Management
variable measured: Mobile App User Rating
  type: PropertyValue
  value reference: Technology
variable measured: Checking Account Minimum Balance
  type: PropertyValue
  value reference: Account Requirements
variable measured: Overall Customer Satisfaction Score
  type: PropertyValue
  value reference: Service Quality
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Strength
variable measured: Total Loans Portfolio
  type: PropertyValue
  value reference: Lending Capacity
variable measured: Credit Card Rewards Tiers
  type: PropertyValue
  value reference: Rewards Programs
variable measured: Expected Loan Growth (2026)
  type: PropertyValue
  value reference: Growth Forecast
variable measured: Net Interest Income Guidance (2026)
  type: PropertyValue
  value reference: Financial Performance
variable measured: Digital Banking Innovation Score
  type: PropertyValue
  value reference: Technology
variable measured: Mortgage Product Competitiveness
  type: PropertyValue
  value reference: Lending Products
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Financial Strength
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Size
  type: PropertyValue
  value reference: Accessibility
variable measured: Mobile App Users
  type: PropertyValue
  value reference: Digital Banking
variable measured: Top Credit Card Cashback Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Minimum Checking Balance
  type: PropertyValue
  value reference: Account Requirements
variable measured: Q1 2026 Net Income
  type: PropertyValue
  value reference: Profitability
variable measured: Wealth Management Assets
  type: PropertyValue
  value reference: Investment Services
variable measured: Travel Redemption Partners
  type: PropertyValue
  value reference: Flexibility
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Savings
variable measured: Earning Simplicity
  type: PropertyValue
  value reference: Usability
variable measured: Hotel Partnership Value
  type: PropertyValue
  value reference: Travel
variable measured: Premium Card Features
  type: PropertyValue
  value reference: Premium
variable measured: Base Cash Back / Points Rate
  type: PropertyValue
  value reference: Rewards
variable measured: Monthly Checking Account Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Overdraft Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Auto Loan APR (Prime borrower)
  type: PropertyValue
  value reference: Lending
variable measured: CD Rate (12-month)
  type: PropertyValue
  value reference: Savings Rates
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Company Size & Scale
variable measured: Stock Trading Commission
  type: PropertyValue
  value reference: Investment Costs
variable measured: Mutual Fund Selection
  type: PropertyValue
  value reference: Investment Options
variable measured: Physical Locations
  type: PropertyValue
  value reference: Branch Network
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: Digital Experience
variable measured: Account Minimum Requirement
  type: PropertyValue
  value reference: Account Requirements
variable measured: Assets Under Management
  type: PropertyValue
  value reference: Scale
variable measured: Total Assets (USD Trillions)
  type: PropertyValue
  value reference: Financial Scale
variable measured: Number of U.S. Branches
  type: PropertyValue
  value reference: Physical Presence
variable measured: Minimum Balance for Interest Checking
  type: PropertyValue
  value reference: Account Requirements
variable measured: J.D. Power Customer Satisfaction (2025)
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: Major Regulatory Enforcement Actions (2020-2025)
  type: PropertyValue
  value reference: Regulatory Standing
variable measured: Average APY on Savings (High-Yield Savings)
  type: PropertyValue
  value reference: Interest Rates
variable measured: Monthly Checking Fee
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Earnings & Rates
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: ATM Network Access
  type: PropertyValue
  value reference: Accessibility
variable measured: Credit Card APR Range
  type: PropertyValue
  value reference: Credit Products
variable measured: Overdraft Fees
  type: PropertyValue
  value reference: Fees & Costs
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Access & Requirements
variable measured: Total Assets
  type: PropertyValue
  value reference: Financial Strength
variable measured: U.S. Branch Count
  type: PropertyValue
  value reference: Physical Presence
variable measured: Average Monthly Checking Account Fee
variable measured: Customer Satisfaction Score
variable measured: Mobile Banking App Rating (iOS)
variable measured: Mortgage Market Share
variable measured: Credit Rating (S&P Global)
variable measured: Checking Account Monthly Fee
variable measured: High-Yield Savings APY
variable measured: Credit Card Approval Rate
variable measured: Investment/Brokerage Platform
is based on: https://www.aversusb.net/compare/bank-of-america-vs-chase

Chase vs Bank of America — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Chase vs Bank of America.
has defined term: Physical Presence
has defined term: Expansion
has defined term: Luxury Services
has defined term: Credit Products
has defined term: Digital Innovation
has defined term: Technology
has defined term: Rewards
has defined term: Wealth Management
has defined term: Account Requirements
has defined term: Service Quality
has defined term: Financial Strength
has defined term: Lending Capacity
has defined term: Rewards Programs
has defined term: Growth Forecast
has defined term: Financial Performance
has defined term: Lending Products
has defined term: Accessibility
has defined term: Digital Banking
has defined term: Profitability
has defined term: Investment Services
has defined term: Flexibility
has defined term: Savings
has defined term: Usability
has defined term: Travel
has defined term: Premium
has defined term: Pricing
has defined term: Lending
has defined term: Savings Rates
has defined term: Company Size & Scale
has defined term: Investment Costs
has defined term: Investment Options
has defined term: Branch Network
has defined term: Digital Experience
has defined term: Scale
has defined term: Financial Scale
has defined term: Customer Satisfaction
has defined term: Regulatory Standing
has defined term: Interest Rates
has defined term: Fees & Costs
has defined term: Earnings & Rates
has defined term: User Experience
has defined term: Access & Requirements
has defined term: Customer Experience
has defined term: Market Position
has defined term: Fees
has defined term: Savings Products
has defined term: Services

Physical Presence
type: DefinedTerm
term code: physical-presence
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Expansion
type: DefinedTerm
term code: expansion
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Luxury Services
type: DefinedTerm
term code: luxury-services
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Credit Products
type: DefinedTerm
term code: credit-products
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Digital Innovation
type: DefinedTerm
term code: digital-innovation
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Rewards
type: DefinedTerm
term code: rewards
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Wealth Management
type: DefinedTerm
term code: wealth-management
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Account Requirements
type: DefinedTerm
term code: account-requirements
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Financial Strength
type: DefinedTerm
term code: financial-strength
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Lending Capacity
type: DefinedTerm
term code: lending-capacity
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Rewards Programs
type: DefinedTerm
term code: rewards-programs
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Growth Forecast
type: DefinedTerm
term code: growth-forecast
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Lending Products
type: DefinedTerm
term code: lending-products
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Digital Banking
type: DefinedTerm
term code: digital-banking
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Profitability
type: DefinedTerm
term code: profitability
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Investment Services
type: DefinedTerm
term code: investment-services
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Flexibility
type: DefinedTerm
term code: flexibility
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Travel
type: DefinedTerm
term code: travel
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Premium
type: DefinedTerm
term code: premium
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Lending
type: DefinedTerm
term code: lending
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Savings Rates
type: DefinedTerm
term code: savings-rates
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Company Size & Scale
type: DefinedTerm
term code: company-size-&-scale
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Investment Costs
type: DefinedTerm
term code: investment-costs
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Investment Options
type: DefinedTerm
term code: investment-options
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Branch Network
type: DefinedTerm
term code: branch-network
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Digital Experience
type: DefinedTerm
term code: digital-experience
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Financial Scale
type: DefinedTerm
term code: financial-scale
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Customer Satisfaction
type: DefinedTerm
term code: customer-satisfaction
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Regulatory Standing
type: DefinedTerm
term code: regulatory-standing
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Interest Rates
type: DefinedTerm
term code: interest-rates
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Fees & Costs
type: DefinedTerm
term code: fees-&-costs
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Earnings & Rates
type: DefinedTerm
term code: earnings-&-rates
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Access & Requirements
type: DefinedTerm
term code: access-&-requirements
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Savings Products
type: DefinedTerm
term code: savings-products
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

Services
type: DefinedTerm
term code: services
in defined term set: Chase vs Bank of America — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-04-25T07:56:08.270Z
author: A Versus B
publisher: A Versus B
is part of: bank-of-america-vs-chase
main entity: Which bank has lower account fees?
  type: Question
  accepted answer: Answer
    text: Chase typically offers more accounts with no minimum balance requirements and no monthly fees, making it more accessible for customers with lower balances. Bank of America requires higher minimums on most accounts to avoid monthly maintenance fees, though both waive fees with direct deposit.
    language: en-US
main entity: Which bank offers better credit card rewards?
  type: Question
  accepted answer: Answer
    text: Chase offers superior credit card rewards programs, with cards like the Chase Freedom providing 5% cash back on rotating categories. Bank of America's rewards cards typically max out at 3.5% cash back on preferred categories, giving Chase the edge for rewards-focused consumers.
    language: en-US
main entity: Is one bank better for branch access?
  type: Question
  accepted answer: Answer
    text: Both banks have extensive networks, but Chase has 4,700 branches while Bank of America has 4,300. However, Bank of America's branches are distributed to cover more rural areas. For ATM access, both offer 16,000+ ATMs nationwide, making them comparable.
    language: en-US
main entity: Which bank has better digital banking?
  type: Question
  accepted answer: Answer
    text: Chase leads in digital innovation with its Erica® AI assistant handling 3.2 billion interactions and 42 million mobile app users. The platform offers more advanced features for investment and account management. Bank of America also has solid digital offerings but Chase's technology is generally considered more cutting-edge.
    language: en-US
main entity: Which bank is financially stronger?
  type: Question
  accepted answer: Answer
    text: Both are among the most stable banks in the world. Chase has slightly higher total assets ($3.8 trillion vs $3.6 trillion) and Q1 2026 net income ($8.6 billion vs $7.3 billion), while Bank of America has slightly more wealth management assets ($2.9 trillion vs $2.8 trillion). Both are financially secure.
    language: en-US

How to Choose Between Chase and Bank of America
type: HowTo
description: Chase and Bank of America are the two largest banks in the United States, with Chase offering slightly lower minimum account requirements and more flexible checking options, while Bank of America provides broader branch availability and integrated wealth management services. Both institutions offer competitive rates, extensive ATM networks, and comprehensive digital banking platforms.
language: en-US
total time: PT3M
step: Consider: Checking Account Minimums
step: Consider: Checking Account Variety
step: Consider: Physical Branch Network
step: Consider: ATM Network
step: Consider: Credit Card Rewards (Top Tier)
step: Consider: Mobile App Users
step: Consider: Wealth Management Assets
step: Consider: Q1 2026 Net Income
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Both Chase and Bank of America are equally reliable banking giants with distinct strengths. Choose Chase if you prioritize lower account minimums, better rewards programs, and innovative digital features, or Bank of America if you value extensive branch networks and comprehensive wealth management services. Your choice should depend on which services align best with your financial needs.

Consider: Checking Account Minimums
type: HowToStep
position: 1
text: Checking Account Minimums: Chase has No minimum on most accounts, while Bank of America has $500-$2,500 minimum.

Consider: Checking Account Variety
type: HowToStep
position: 2
text: Checking Account Variety: Chase has 8+ account types, while Bank of America has 6+ account types.

Consider: Physical Branch Network
type: HowToStep
position: 3
text: Physical Branch Network: Chase has 4,700 branches, while Bank of America has 4,300 branches.

Consider: ATM Network
type: HowToStep
position: 4
text: ATM Network: Chase has 16,000+ ATMs, while Bank of America has 16,000+ ATMs.

Consider: Credit Card Rewards (Top Tier)
type: HowToStep
position: 5
text: Credit Card Rewards (Top Tier): Chase has 5% on rotating categories, while Bank of America has 3.5% on preferred categories.

Consider: Mobile App Users
type: HowToStep
position: 6
text: Mobile App Users: Chase has 42 million (Erica® AI integration), while Bank of America has 38 million.

Consider: Wealth Management Assets
type: HowToStep
position: 7
text: Wealth Management Assets: Chase has $2.8 trillion, while Bank of America has $2.9 trillion.

Consider: Q1 2026 Net Income
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position: 8
text: Q1 2026 Net Income: Chase has $8.6 billion, while Bank of America has $7.3 billion.

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conditions of access: Free
claim reviewed: Chase vs Bank of America
review body: Chase and Bank of America are the two largest banks in the United States, with Chase offering slightly lower minimum account requirements and more flexible checking options, while Bank of America provides broader branch availability and integrated wealth management services. Both institutions offer competitive rates, extensive ATM networks, and comprehensive digital banking platforms.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Chase vs Bank of America

Average APY on Savings (High-Yield Savings)
type: PropertyValue
value: Chase: N/A | Bank of America: 4.35% APY

Monthly Checking Fee
type: PropertyValue
value: Chase: N/A | Bank of America: $12

Savings Account APY
type: PropertyValue
value: Chase: N/A | Bank of America: 0.01% - 0.04%

Physical Branches
type: PropertyValue
value: Chase: N/A | Bank of America: 4,300+

ATM Network Access
type: PropertyValue
value: Chase: N/A | Bank of America: 15,000+

Credit Card APR Range
type: PropertyValue
value: Chase: N/A | Bank of America: 15.99% - 27.99%

Overdraft Fees
type: PropertyValue
value: Chase: N/A | Bank of America: $35

Mobile App Rating (iOS)
type: PropertyValue
value: Chase: N/A | Bank of America: 4.7/5

Minimum Deposit to Open Account
type: PropertyValue
value: Chase: N/A | Bank of America: $100

Total Assets
type: PropertyValue
value: Chase: N/A | Bank of America: $3.45 trillion

U.S. Branch Count
type: PropertyValue
value: Chase: N/A | Bank of America: 4,200 branches

ATM Network Size
type: PropertyValue
value: Chase: N/A | Bank of America: 16,000 ATMs

Average Monthly Checking Account Fee
type: PropertyValue
value: Chase: N/A | Bank of America: $17.50 average

Customer Satisfaction Score
type: PropertyValue
value: Chase: N/A | Bank of America: 68/100

Mobile Banking App Rating (iOS)
type: PropertyValue
value: Chase: N/A | Bank of America: 4.1/5 stars

Mortgage Market Share
type: PropertyValue
value: Chase: N/A | Bank of America: 6.8%

Credit Rating (S&P Global)
type: PropertyValue
value: Chase: N/A | Bank of America: AA-

Checking Account Monthly Fee
type: PropertyValue
value: Chase: N/A | Bank of America: $12 (waivable)

High-Yield Savings APY
type: PropertyValue
value: Chase: N/A | Bank of America: 0.01%

Credit Card Approval Rate
type: PropertyValue
value: Chase: N/A | Bank of America: ~50%

Investment/Brokerage Platform
type: PropertyValue
value: Chase: N/A | Bank of America: Merrill Edge + full advisory

Auto Loan APR Range
type: PropertyValue
value: Chase: N/A | Bank of America: 5.24% - 9.99%

Customer Satisfaction Score (J.D. Power 2025)
type: PropertyValue
value: Chase: N/A | Bank of America: 759

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Chase — Wikipedia
type: CreativeWork

Bank of America — Wikipedia
type: CreativeWork

Compare Chase vs Bank of America
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additional type: CompareAction
target: https://www.aversusb.net/compare/bank-of-america-vs-chase
object: Chase
object: Bank of America

ATM Network Size
type: PropertyValue
value reference: Physical Presence

Average Monthly Checking Account Fee
type: PropertyValue
value reference: Pricing

Customer Satisfaction Score
type: PropertyValue
value reference: Customer Experience

Mobile Banking App Rating (iOS)
type: PropertyValue
value reference: Digital Experience

Mortgage Market Share
type: PropertyValue
value reference: Market Position

Credit Rating (S&P Global)
type: PropertyValue
value reference: Financial Strength

Checking Account Monthly Fee
type: PropertyValue
value reference: Fees

High-Yield Savings APY
type: PropertyValue
value reference: Savings Products

Credit Card Approval Rate
type: PropertyValue
value reference: Credit Products

Investment/Brokerage Platform
type: PropertyValue
value reference: Services

Auto Loan APR Range
type: PropertyValue
value reference: Lending

Customer Satisfaction Score (J.D. Power 2025)
type: PropertyValue
value reference: Customer Experience