It's 2025. Here's Why No One Should Still Have a Chase Savings Account

Motley Fool

Oct 18, 2025

Image source: Getty ImagesWe're a few months away from 2026, and I still have friends and family saving money with Chase. That means they're getting a measly 0.01% APY on their savings.Luckily, it ...

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Here's Why No One Should Still Have a Chase Savings Account","media":"Motley Fool","content":"<div>\n<p>Image source: Getty ImagesWe're a few months away from 2026, and I still have friends and family saving money with Chase. That means they're getting a measly 0.01% APY on their savings.Luckily, it ...</p>\n\n<a href=\"https://www.fool.com/money/banks/articles/its-2025-heres-why-no-one-should-still-have-a-chase-savings-account/\">Source Link</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>It's 2025. 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Here's Why No One Should Still Have a Chase Savings Account\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-10-18 20:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/money/banks/articles/its-2025-heres-why-no-one-should-still-have-a-chase-savings-account/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Image source: Getty ImagesWe're a few months away from 2026, and I still have friends and family saving money with Chase. That means they're getting a measly 0.01% APY on their savings.Luckily, it ...</p>\n\n<a href=\"https://www.fool.com/money/banks/articles/its-2025-heres-why-no-one-should-still-have-a-chase-savings-account/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4109","symbol_name":"特种化学制品","start_time":0,"source_url":"https://www.fool.com/money/banks/articles/its-2025-heres-why-no-one-should-still-have-a-chase-savings-account/","article_id":"2576011223","we_media_id":null,"thumbnails":["https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2FGettyImages-553915395_0YQLMbk.width-1200.jpg&op=resize&w=165&h=104"],"rights":{"source":"fool_stock","url":"https://www.fool.com/money/banks/articles/its-2025-heres-why-no-one-should-still-have-a-chase-savings-account/","rn_cache_url":null,"customStyle":"","selectors":".main-contain, #article-page","filters":"#sticky-wrapper, .navigation, .article-page-end, .foot, .author-tagline, .author-inline, .footer, .soc-share, .wysiwyg, .related-content","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2576011223","pubTimestamp":1760788800,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"Chase savings accounts earn next to no interest. Here's why I'm telling everyone I know to open a high-yield savings account this year.","collect":0,"end_time":0,"defaultTopTitle":"fool.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4109":"特种化学制品","CCF":"Chase Corp"},"translate_title":"现在是2025年。这就是为什么没有人应该仍然拥有大通储蓄账户","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CCF":1.5},"content_text":"Image source: Getty ImagesWe're a few months away from 2026, and I still have friends and family saving money with Chase. That means they're getting a measly 0.01% APY on their savings.Luckily, it takes almost no time at all to supercharge your savings. Right now, top high-yield savings accounts (HYSAs) are offering 3.80% APY or higher, meaning you can literally earn 380 times more in interest by switching.I made the move myself a few months ago -- and it took me less than half an hour. Here's why I think everyone else should follow suit.Hundreds more in interest just for switching banksDepending on how much you keep in the bank, your HYSA can earn you hundreds of dollars a year in interest. Stack that up with Chase's 0.01% APY, and there's no comparison:                                          Balance                                                                              HYSA Earnings (3.80%)                                                                              Chase Earnings (0.01%)                                                                                    $15,000                                                                                          $570                                                                                          $1.50                                                                                          $10,000                                                                                          $380                                                                                          $1                                                                                          $5,000                                                                                          $190                                                                                          $0.50                                          Data source: Author's calculations.Most HYSAs are super easy to open, too. I opened my SoFi Checking and Savings (Member FDIC) account in minutes, then moved my cash and instantly started earning a higher annual percentage yield (APY).Right now, there's also a great new-member offer to take advantage of. Earn up to $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply. That means you could earn a total of up to 4.50% APY!Want to land this bonus now? Read our full review of SoFi Checking and Savings (Member FDIC) and open an account today.Rates as        of Oct 18, 2025              Limited-Time Offer                              SoFi Checking and Savings          Open Account for SoFi Checking and SavingsOn                      SoFi's           Secure Website.Member FDIC.4.90/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.                            = Best                            = Excellent                            = Good                            = Fair                            = Poor4.90/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.                            = Best                            = Excellent                            = Good                            = Fair                            = PoorOpen Account for SoFi Checking and SavingsOn                      SoFi's           Secure Website.                    Limited-time offer:                                          Earn up to $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply.                                                    Circle with letter I in it.      Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.                      APY                              up to 4.50%                                                            Rate info                Circle with letter I in it.      Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.                      Min. To Earn APY                              $0                                Pros/Cons                Competitive APY on both Savings and CheckingNo monthly account feeWelcome bonus up to $300 (direct deposit required)ATM accessUnlimited number of external transfers (up to daily transaction limits)FDIC insured (up to $3M with opt-in to SoFi Insured Deposit Program)Early access to direct depositsTools to help you track savings goalsCombo account only; no stand-alone savings or checkingMaximum Savings APY requires direct depositNo branch access; online onlyOverdraft protection requires monthly direct deposit minimum              Bottom Line            For those who plan to set up direct deposit with their new account, we think SoFi Checking and Savings (Member FDIC) is hard to beat. Not only does this savings account offer a strong APY, but the linked checking account earns an above-average rate, too -- which is a rare perk. Plus, new customers earn a bonus of up to $300 with eligible direct deposit. Frankly, it's the kind of combo that could make it worthwhile to switch banking relationships.Open a SoFi Checking and Savings Account        Read Full Review    More reasons to open an HYSAHundreds of dollars isn't the only reason to switch. HYSAs are also great because:Your money's FDIC-insured up to $250,000, just like with traditional banksMost have no monthly fees or overdraft feesYou'll still have complete access to your moneyIn short, an HYSA can help you earn more and pay less while keeping your money safe and accessible.What should you keep in your HYSA?HYSAs aren't built for long-term investment or everyday spending. But for everything else -- what I call my \"in-between\" cash -- an HYSA is the perfect fit.For me, that includes:Emergency fund: A few months' worth of expensesShort-term savings: Money for big expenses like vacationsAll other cash: Any other money I don't want in my checking accountI moved my money to an HYSA earlier this year, and it was one of the best financial decisions I ever made. If you're still saving with Chase or any other big bank, I highly recommend you do the same.Ready to earn hundreds more a year on your cash? Check out our full list of the best high-yield savings accounts available today to get started.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}