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Chase Bank is the US consumer and commercial banking subsidiary of JPMorgan Chase & Company, headquartered in New York City, New York. The bank offers personal banking services, including checking accounts, savings accounts, credit cards, mortgages, home equity lines of credit, and car loans. Chase Bank also offers banking services for businesses, including business checking, merchant services, business credit cards, asset-based lending, and business lending services. The bank was known as Chase Manhattan Bank until it merged with JPMorgan & Company in 2000. Chase Manhattan Bank was formed by the merger of the Chase National Bank and the Bank of the Manhattan Company in 1955.
Checking accounts allow customers to make purchases via debit card from almost anywhere by phone, tablet, or computer, with access to more than 15,000 of the bank's ATMs and over 4,700 branches.
The bank offers a range of credit cards, some of which offer rewards that can be redeemed for cashback or for rewards at companies such as Disney, Marriott, Hyatt, United, or Southwest Airlines.
Chase also offers low down payment mortgages, jumbo mortgages, and home refinancing plans. Clients can view current mortgage rates through the bank's Learning Center and calculate what they can afford with a mortgage calculator before applying for a mortgage.
Clients may be able to use a portion of their home's value for furnishing or modification expenses or pay other bills with a home equity line of credit (HELOC). Eligibility for a home equity line of credit can be checked by a HELOC calculator on the company's website.
The bank's clients can obtain support from a financial advisor to develop personalized financial or investment strategies.
Chase's business banking services comprise specialist guidance in credit solutions and payroll management. Chase also offers online and mobile services, business credit cards, and payment acceptance solutions built specifically for businesses.
When users sign in for the first time or with an unrecognized, they will be asked for their username, password, and a temporary identification code, which will be sent to them by phone, email, or text message. Upon receiving the identification code, the user will be signed into their account.
The bank might call the client if a change in their online activity is recorded, but personal information will not be requested over the phone.
All messages exchanged between the client and bank through chase.com are protected, but messages sent to the bank outside of the official website might not be secure. Clients are requested to only provide confidential information through the secure messaging system on the company's official website, in person, or via U.S. mail.
The bank uses 128-bit encryption technology to protect clients' usernames, passwords, and other personal account information when they are using the bank's site or apps.