Is there any reason to use a big bank over an online bank anymore?

The only real reasons to keep a big bank: 1. **Cash deposits** - if you regularly deposit cash, online banks make this hard/impossible 2. **Cashiers checks same day** - need one for a car purchase or apartment? Big bank can do it instantly 3. **Safe deposit boxes** - if you need one 4. **Complex transactions** - wire transfers, notary services, etc can be easier in person 5. **Relationships for loans** - sometimes helps with mortgage approvals If none of those apply to you, theres honestly no reason to keep much at Chase. I keep like in a Chase checking for the rare times I need a branch, and everything else is at Ally earning 4.25%. Ive made over in interest this year that I would have gotten like from at Chase. The switch is easy, just set up the online account, transfer money over, update direct deposit. Keep Chase open with a small balance for a few months to catch any stragglers.

I keep Chase for the one time a year I need a branch and everything else at Ally earning 4.5%. Best of both worlds. Just dont keep much at Chase.

The only reason to keep a big bank is cash deposits. If you never deposit cash, online banks are better in every way. Higher rates, no fees, better apps usually.