Chase offers more ATMs (24,000+) and higher checking account interest rates (up to 4.85% APY), while Bank of America has more physical branches (4,300+) and stronger mobile banking features. Chase generally appeals to fee-conscious consumers, while Bank of America serves those prioritizing branch accessibility.
Bank of America vs Chase — Side-by-side comparison on A Versus B
Major U.S. bank with 4,300+ branches and strong mobile banking features.
Second-largest U.S. bank with 24,000+ ATMs and competitive deposit rates.
ATM Network Size. Physical Branch Count. Checking Account Monthly Fee. High-Yield Savings APY (2026). Credit Card Rewards (Cashback Rate). Mobile App User Rating. Customer Satisfaction Score (J.D. Power 2025)
Choose Chase if you prioritize competitive interest rates, lower fees on premium accounts, and maximum ATM/branch accessibility nationwide. Choose Bank of America if you value exceptional mobile banking technology, robust wealth management services, and prefer established local branch relationships in major markets.
Bank of America: 3,800 | Chase Bank: N/A
Bank of America: 165+ full financial centers | Chase Bank: N/A
Bank of America: Bank of America Premium Rewards (1.5x points) | Chase Bank: N/A
Bank of America: $30 billion client interactions | Chase Bank: N/A
Bank of America: Advanced AI-personalized solutions | Chase Bank: N/A
Bank of America: Standard rewards catalog (5-7 categories) | Chase Bank: N/A
Bank of America: 63 markets | Chase Bank: N/A
Bank of America: Comprehensive wealth management focus | Chase Bank: N/A
Bank of America: Highly rated with AI integration | Chase Bank: N/A
Bank of America: Varies by account type ($500-$10,000) | Chase Bank: N/A
Bank of America: Competitive with digital strengths | Chase Bank: N/A
Bank of America: BofA: $3.6T | Chase Bank: N/A
Bank of America: 4,300 branches | Chase Bank: N/A
Bank of America: 16,000+ ATMs | Chase Bank: N/A
Bank of America: 38 million users | Chase Bank: N/A
Bank of America: 3.5% preferred categories | Chase Bank: N/A
Bank of America: $500-$2,500 | Chase Bank: N/A
Bank of America: $7.3 billion | Chase Bank: N/A
Bank of America: $2.9 trillion | Chase Bank: N/A
Bank of America: $35 per transaction | Chase Bank: $34 per occurrence
Bank of America: 6.49% | Chase Bank: N/A
Bank of America: 4.10% | Chase Bank: N/A
Bank of America: $2,950 billion | Chase Bank: $3.73T
Bank of America: 5,000+ | Chase Bank: N/A
Bank of America: 4,200+ branches | Chase Bank: 4,700+ branches
Bank of America: 4.3 stars | Chase Bank: 4.5/5
Bank of America: $0 for brokerage | Chase Bank: N/A
Bank of America: $3.45 trillion | Chase Bank: N/A
Bank of America: 4,250 | Chase Bank: N/A
Bank of America: 724 points | Chase Bank: N/A
Major Regulatory Enforcement Actions (2020-2025)
Bank of America: 3 actions | Chase Bank: N/A
Average APY on Savings (High-Yield Savings)
Bank of America: 4.35% APY | Chase Bank: N/A
Bank of America: 0.01% - 0.04% | Chase Bank: 0.01%
Bank of America: 4,300+ | Chase Bank: 4,700+
Bank of America: 15,000+ | Chase Bank: 16,000+ ATMs
Bank of America: 15.99% - 27.99% | Chase Bank: N/A
Bank of America: 4.7/5 | Chase Bank: 4.7 stars
Bank of America: $3.45 trillion | Chase Bank: $3.9 trillion
Bank of America: 4,200 branches | Chase Bank: N/A
Bank of America: 16,000 ATMs | Chase Bank: N/A
Bank of America: $17.50 average | Chase Bank: N/A
Bank of America: 68/100 | Chase Bank: N/A
Bank of America: 4.1/5 stars | Chase Bank: N/A
Bank of America: $12 (waivable) | Chase Bank: $12 (waivable with conditions)
Bank of America: 0.01% | Chase Bank: 4.85%
Bank of America: Merrill Edge + full advisory | Chase Bank: N/A
Bank of America: 5.24% - 9.99% | Chase Bank: N/A
Customer Satisfaction Score (J.D. Power 2025)
Bank of America: 0.01% | Chase Bank: 0.01%
Bank of America: $12 (waivable) | Chase Bank: $0-$12 (varies)
Bank of America: 64,000+ | Chase Bank: 55,000+
Customer Satisfaction Score (JD Power 2024)
Bank of America: 5.89% | Chase Bank: N/A
Bank of America: $100,000 | Chase Bank: N/A
Bank of America: 0.01%-0.04% | Chase Bank: N/A
Bank of America: $25,000 | Chase Bank: N/A
Bank of America: N/A | Chase Bank: $0-$100 (varies by product)
Bank of America: N/A | Chase Bank: $1 (at 0.01% APY)
Bank of America: N/A | Chase Bank: 6.99%
Bank of America: N/A | Chase Bank: 24.99%
Bank of America: N/A | Chase Bank: 50+ options
Bank of America: N/A | Chase Bank: $0 - $25
Bank of America: N/A | Chase Bank: 4,700+
Bank of America: N/A | Chase Bank: 80% (J.D. Power 2024)
Bank of America: N/A | Chase Bank: $15-45 per transfer
Bank of America: N/A | Chase Bank: 10.2% (largest)
Bank of America: N/A | Chase Bank: iOS, Android, web—24/7 support
Bank of America: N/A | Chase Bank: 156 million
Bank of America: N/A | Chase Bank: 5x points
Bank of America: N/A | Chase Bank: $95-$695
Bank of America: N/A | Chase Bank: 0.15%
Bank of America: N/A | Chase Bank: $750 annually
Bank of America: N/A | Chase Bank: 5.99%-21.24%
Bank of America: N/A | Chase Bank: Yes, with debit card
Bank of America: N/A | Chase Bank: $12 (waivable)
Bank of America: N/A | Chase Bank: 50+ cards (up to 5% back)
Bank of America: N/A | Chase Bank: $405B
Bank of America: N/A | Chase Bank: 24/7 phone + branch hours
Net Promoter Score (Customer Satisfaction)
Bank of America: N/A | Chase Bank: 4.75% (Premier Plus)
Bank of America: N/A | Chase Bank: 24,000+
Bank of America: N/A | Chase Bank: 79/100
Assets Under Management (Wealth Division)
Bank of America: N/A | Chase Bank: $3.4T
How to choose between Bank of America and Chase Bank
Bank of America vs Chase — Structured Comparison Data
Machine-readable comparison dataset for Bank of America vs Chase. Contains 103 attribute comparisons, 5 FAQ pairs.
Bank of America vs Chase — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Bank of America vs Chase.
Chase generally offers lower fees with $0 monthly maintenance on most checking accounts, while Bank of America charges $12-$15/month (waivable with $1,500+ balance). Chase's advantage is particularly significant for low-balance customers, though both banks waive fees with direct deposit or minimum balance requirements.
Which bank offers better savings account rates?
Chase's high-yield savings account offers 4.85% APY compared to Bank of America's 4.35% APY as of 2026. This 0.5% difference means on a $10,000 deposit, Chase would earn $50 more annually. Both rates exceed the national average of 4.3%.
Bank of America's mobile app scores 4.6/5 stars versus Chase's 4.5/5 stars. BofA users praise its intuitive interface and advanced budgeting tools, while Chase users value simpler navigation but note occasional lag. Both apps support mobile check deposit, bill pay, and digital wallets.
Where can I access my money with each bank?
Chase has 24,000+ ATMs (largest network through AllPoint partnership) versus Bank of America's 16,000+. For branches, Chase operates 4,700+ versus Bank of America's 4,300+. Chase's advantage is particularly strong for ATM access; Bank of America's is slightly better for branch locations in certain metropolitan areas.
Chase offers superior credit card rewards, with flagship cards providing up to 5% cashback in rotating categories, compared to Bank of America's maximum 2.5% through branded cards. Chase cardholders also benefit from no foreign transaction fees on premium cards, making it better for travelers.
How to Choose Between Bank of America and Chase Bank
ATM Network Size: Bank of America has 16,000+ ATMs, while Chase Bank has 24,000+ ATMs (includes AllPoint network).
Physical Branch Count: Bank of America has 4,300+ branches, while Chase Bank has 4,700+ branches.
Checking Account Monthly Fee: Bank of America has $15 (waivable with $1,500+ balance), while Chase Bank has $0-$15 depending on account type.
High-Yield Savings APY (2026): Bank of America has 4.35% APY, while Chase Bank has 4.85% APY.
Consider: Credit Card Rewards (Cashback Rate)
Credit Card Rewards (Cashback Rate): Bank of America has 1.5-2.5% cashback max, while Chase Bank has 1.5-5% cashback max.
Mobile App User Rating: Bank of America has 4.6/5 stars (App Store/Google Play avg), while Chase Bank has 4.5/5 stars (App Store/Google Play avg).
Consider: Customer Satisfaction Score (J.D. Power 2025)
Customer Satisfaction Score (J.D. Power 2025): Bank of America has 78/100, while Chase Bank has 79/100.