Bank of America vs. Chase Review: Choosing the Best Account for You

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Both Bank of America and Chase Bank are large financial institutions that offer a wide array of products including checking accounts, savings accounts, and certificates of deposit (CDs).

If you’re deciding between the two, it’s important to consider key features of accounts offered by each so that you can make the most informed choice about which bank is right for you.

Bank of America vs. Chase: Comparing basic accounts

Bank of America Chase

Checking Accounts

  • Bank of America Core Checking
    • $12 monthly fee unless you have at least one monthly $250 direct deposit or maintain at least a $1,500 minimum daily balance
    • Fee waiver for students or Preferred Rewards clients
    • Minimum $25 deposit to open
  • Bank of America Interest Checking
    • $25 monthly fee unless you maintain a combined balance of $10,000 or more in checking and linked accounts
    • Fee waiver for Preferred Rewards clients
    • Minimum $100 deposit to open
    • Earns between 0.01% and 0.02% interest depending on account balance

Checking Accounts

  • Chase Total Checking
    • $12 monthly fee unless you have at least one monthly $500 direct deposit, or maintain a $5,000 average daily balance or $1,500 beginning daily balance
    • Minimum $25 deposit to open
  • Chase Premier Plus Checking
    • $25 monthly fee unless you maintain a $15,000 average beginning day balance or have a linked Chase first mortgage
    • Minimum $25 deposit to open
    • Earns 0.01% interest no matter your balance
  • Chase Sapphire Checking
    • $25 monthly fee unless you maintain an average beginning day balance of $75,000 in checking and linked accounts
    • Minimum $100 deposit to open
    • Earns 0.01% interest no matter your balance

Savings Accounts

  • Rewards Savings Account
    • $8 monthly fee unless you maintain a minimum daily balance of $500, have a linked Interest Checking account, or are a Preferred Rewards clients
    • Tiered savings so you earn more interest with a higher balance
    • Keep the Change program, which rounds up purchases and transfers money into savings
    • Preferred Rewards clients earn higher interest

Savings Accounts

  • Chase Savings
    • $5 monthly fee unless you have a beginning balance of $300 or more, are younger than 18, link your eligible checking account, or have a repeating automated transfer from your Chase checking account for at least $25 monthly
    • Earns 0.01% interest no matter your balance
  • Chase Premier Savings
    • $25 monthly fee unless you have a beginning day balance of $15,00 or more, or you link your savings account with your Chase Premier Plus Checking or Chase Sapphire Checking account
    • Earns 0.01% interest unless you earn Premier relationship rates (between 0.04% and 0.09% depending on your balance)
Certificates of Deposit

  • Featured CD account
    • 12-month term
    • $10,000 minimum opening balance
    • 0.07% APR on all balances*
  • Standard Term CD account
    • 28-day to 10-year terms
    • $1,000 minimum opening balance
    • Rates of 0.03% to 1.00%*
Certificates of Deposit

  • Chase CDs
    • Terms ranging from 1 month to 120 months
    • $1,000 minimum deposit to open
    • Rates of 0.02% to 1.75%*
Rates & Fees accurate as of Sept. 18, 2018. Sources: Bank of America and Chase

Differences and similarities between Bank of America and Chase

Both Chase and Bank of America offer a wide array of financial products to meet the needs of most consumers. The two financial institutions share common traits, including:

  • Low initial deposits required to open accounts
  • Overdraft protection options
  • Online banking, a mobile app, and a large ATM network
  • The ability to avoid fees by linking your bank accounts, meeting a minimum balance, or having direct deposit
  • Bank branches where you can work with a banker one on one

But there are some important differences between the two financial institutions. For example:

  • It can be more difficult to avoid banking fees with Chase checking accounts, as the required direct deposit amount and minimum balance requirements are both higher than with Bank of America’s lowest-price checking option.
  • It’s easier to avoid account fees with Chase savings accounts because the required minimum balance requirements are lower than with Bank of America’s savings account.

Ultimately, both Chase and Bank of America provide similar features and fee structures. Pay close attention to smaller details to help you decide which bank is best for you.

Choose Bank of America for its Core Checking account

Bank of America and Chase offer different tiers of checking accounts, with the lowest tier paying no interest on money in your account but making it easier to avoid monthly account maintenance fees.

But Bank of America’s basic checking account has less stringent requirements than Chase’s basic account if you want monthly fees to be waived.

Bank of America makes it easier to waive monthly fees

Bank of America’s entry-level checking account — Core Checking — is comparable to Chase’s Total Checking account. Both require a $25 minimum deposit to open the account, and both offer standard features you’d expect from any a checking account, including access to a wide network of ATMs, mobile banking, the ability to send money through Zelle, debit cards with fraud protection, and mobile check deposit.

Both Chase and Bank of America charge a $12 monthly account maintenance fee for these entry-level checking accounts — unless you fulfill certain requirements. But Bank of America’s requirements are easier to meet. Bank of America requires you to either maintain a $1,500 minimum daily balance or make at least one qualifying direct deposit totaling at least $250.

Chase, on the other hand, requires $500 in direct deposits unless you’re able to meet their minimum balance requirements. Like Bank of America, Chase requires a $1,500 minimum daily balance if you don’t have direct deposit, unless you have an average balance of $5,000 across all your linked accounts.

Bank of America waives the minimum balance and direct deposit requirements for students younger than 24 who are enrolled in high school, college, or a vocational program. This means qualifying students don’t have to pay the $12 monthly fee, even with a low balance and no direct deposit. Comparatively, Chase’s College Checking account waives the monthly service fee for up to five years while you’re in college.

Bank of America also offers Keep the Change

Another reason to bank with Bank of America over Chase is BOA’s innovative Keep the Change program. This program aims to help facilitate savings by rounding up purchases you make to the nearest dollar. The “change” is transferred to a savings account to help you build a nest egg for the future. Chase has no comparable program.

Choose Chase for its basic savings account

While both Chase and Bank of America offer basic savings accounts, Bank of America charges higher fees than Chase, and you’ll need a higher minimum monthly balance to avoid those fees.

Chase has leaner monthly fees and requirements

Chase’s basic savings account, Chase Savings, charges a $5 monthly fee, compared with Bank of America’s $8 fee. This fee at Chase is waived if you fulfill one of the following requirements:

  • You have a beginning balance of $300 or more in the account
  • Are younger than 18
  • Have at least one automated transfer of $25 or more from a personal Chase checking account to your savings account
  • Link your Chase Premier Plus Checking, Chase Sapphire Checking, or Chase Private Client Checking accounts.

Bank of America requires a $100 opening deposit for a savings account. You’ll have to pay $8 monthly unless you maintain at least a $500 daily minimum balance, are a Preferred Rewards client, or link a Bank of America Interest Checking account (which comes with its own set of requirements to avoid a $25 monthly fee).

Bank of America has higher rates for lower balances

While Bank of America may have harder requirements to meet, its savings account does pay a slightly higher rate on lower balances. As you compare savings accounts, you’ll need to consider whether you can meet stricter requirements for a higher rate or whether you’d be better off with a simple savings account.

Bank of America pays a 0.03% APY to savings account clients who aren’t enrolled in Preferred Rewards. Those who are enrolled can earn between 0.04% and 0.06% based on their rewards tier.

Chase clients with a basic Chase Savings account earn 0.01% interest on their accounts. Those with a Premier Savings account who qualify for relationship rates can earn between 0.04% and 0.09% based on their balance.

So if you don’t have much to save and want to avoid fees, Chase can be a better deal. But if you want to earn slightly more on your balance and can avoid fees, Bank of America could be a better option.

Choose Bank of America for its Preferred Rewards program

One of the biggest selling points of Bank of America is the perks that the financial institution provides for Preferred Rewards customers.

You can become a Preferred Rewards customer by maintaining a balance of at least $20,000 across different Bank of America products, including checking accounts, savings accounts, and investments with Merrill Lynch.

There are three different tiers of Preferred Rewards, including:

  • Gold requires a three-month average combined balance of $20,000 to $49,999
  • Platinum requires a three-month average combined balance of $50,000 to $99,999
  • Platinum Honors requires a three-month average combined balance of $100,000 or more

Bank of America Preferred Rewards features

Preferred Rewards customers receive a variety of perks, from higher savings account rates to no-fee ATM transactions. The higher tier you’re in, the better the benefits.

  • Checking and savings: Monthly maintenance fees are waived on up to four linked checking and savings accounts. Further, your savings account rate will increase from 0.03% up to 0.06%.
  • ATM transactions: Platinum-level customers receive up to 12 no-fee ATM transactions at non-Bank of America ATMs annually. Platinum Honors customers can receive an unlimited number of no-fee ATM transactions.
  • Credit cards: If you have a Bank of America rewards card, you’ll receive a rewards bonus based on the tier to which you belong.
  • Auto loans: Get between a 0.25% and 0.50% interest rate reduction on an auto loan.
  • Mortgages: Between $200 and $600 will be shaved off the origination fee on your Bank of America mortgage.
  • Investing: Platinum customers can make up to 30 free stock and ETF trades using their Merrill Edge accounts. Platinum Honors members can make up to 100 trades fee-free.

If you have at least $20,000 to invest across your Bank of America and Merrill Lynch accounts, taking advantage of this program and maintaining a banking relationship with Bank of America can make sense.

Chase Sapphire Banking features

Chase offers similar perks for Sapphire Banking customers. Consider these key benefits to the program:

  • No ATM fees worldwide
  • Free trades on online stocks and ETFs with You Invest by J.P. Morgan
  • Fee waivers for bank accounts, including waived overdraft fees

But Chase Sapphire Banking requires a $75,000 combined average daily balance across eligible accounts. That amount is significantly higher than the $20,000 necessary to gain access to Bank of America’s Preferred Rewards program.

Questions to consider as you choose a bank

It’s important to compare all the terms and conditions of accounts offered by different financial institutions when deciding which is right for you. Before opening a bank account with Bank of America and Chase, consider:

  • Can you meet requirements to avoid fees for checking and savings accounts?
  • Does the financial institution offer easy access to your money with a wide network of ATMs or fee waivers for using ATMs from other institutions?
  • Do you have enough money to meet requirements for opening an account?
  • What interest will you earn and are you eligible for any rewards?

Finally, make sure to compare all fees, including foreign transaction fees, overdraft fees, fees for checks and other expenses you may need to pay.

Is Chase or Bank of America right for you?

Both Bank of America and Chase offer many options for checking accounts, savings accounts, and CDs.
But fees are required for checking and savings accounts with each financial institution unless you can meet minimum balance requirements or make monthly direct deposits. Neither pays a lot of interest on savings accounts, but both have many options for purchasing CDs.

You should compare both institutions carefully and also consider whether online-only banks or other financial institutions may offer you more flexibility in maintaining no-fee accounts without having to keep a certain balance. Shopping around to find the right bank is worth it, so research your options carefully.

Interested in refinancing student loans?

Here are the top 6 lenders of 2018!
LenderVariable APREligible Degrees 
Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.97% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on ourstudent loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.

Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.


3 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance:
    Fixed rates from 3.899% APR to 7.979% APR (with AutoPay). Variable rates from 2.470% APR to 6.990% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.470% APR assumes current 1 month LIBOR rate of 2.30% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.
  2. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

4 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.28% effective October 10, 2018.


6 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of November 1, 2018, the one-month LIBOR rate is 2.29%. Variable interest rates range from 2.79%-8.39% (2.79%-8.39% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.75%-8.69% (3.75%-8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
  2. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
  3. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a cosigner who is a U.S. citizen or permanent resident. The cosigner (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a cosigner will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.
  4. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  5. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
  6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.

2.47% – 6.99%3Undergrad
& Graduate

Visit SoFi

2.57% – 6.97%1Undergrad
& Graduate

Visit Earnest

2.57% – 8.09%4Undergrad
& Graduate

Visit Lendkey

3.02% – 6.44%2Undergrad
& Graduate

Visit Laurel Road

2.50% – 7.24%5Undergrad
& Graduate

Visit CommonBond

2.79% – 8.39%6Undergrad
& Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.