Why You Should Avoid Working For Chase Bank At All Costs

Chase Bank personal banker experience

A great place to be treated like a dog.

A reader recently posted a very detailed account of what it’s like working as a personal banker at Chase Bank in the forum.

I am re-posting it here on the homepage (with permission) so that more people can see it. I think it is important that prospective employees of Chase Bank get a first hand account of what they should expect if they go to work for the company. It’s a long read, but well worth it.

I recently left Chase after being a personal banker there for a little over a year. I wanted to share my experience, the good and the bad, with you so that you will be able to make an informed decision about joining the company. Hopefully, after reading my post, you’ll decide not to make that decision, and find something that will leave your soul intact.

After graduating from college, I was working in retail making close to minimum wage. I really did enjoy my job, but without the help of those student loans for living expenses, I wouldn’t be able to keep that job and pay the rent, so I began my search to find a job that would! I started looking at companies I could apply to online, that had a large presence in my area. Chase popped up everywhere. They will always have more opportunities than any other institution on CareerBuilder, Monster, their website, etc. This should have been a red flag to me. If they constantly have that many positions that means that many people are constantly leaving (the turn around with Chase is very high). Granted, Chase is constantly expanding, but the rate they are expanding versus the open opportunities just don’t match up. I looked right past this and I saw that as my opportunity to land that job with a big name company that would put a roof over my head and groceries in the fridge.

I applied to a personal banker position since I fit the background requirements. You’ll need a strong background in retail and sales. You don’t need a college degree for this job, which always irritated me. Why did I get myself into all this debt and work so hard for 4 years of my life, so I can be making the same as the guy with just a high school diploma sitting next to me? Most people think bankers (a term i use loosely, I never felt like a “banker”, it’s much more of a glorified car salesman position) make a lot of money. Truth is, we get paid very little, especially when you take into consideration what we have to deal with. All PB’s, regardless of age, education, or experience start out at Chase making the same base. It may be higher in some of the more expensive areas, but in general, it was 32K. That equals out to about $15 bucks an hour. You will have the opportunity to make commission, which is heavily taxed at 30%. So all in all, if you are hitting your sales goals, after taxes, you’ll be bringing in about $2,700 a month. Not horrible, but if you don’t make your goals you are looking at a solid $2,000 a month. Way less than I imagine the general population thinks we make.

If you don’t know what a position of a personal banker entails, let me briefly describe it for you. As a PB (personal banker) you will be working on the retail side of banking. Sure, you’ll be dealing with customers who come in and have questions about their account or need some advice on financial products (most of the time you’ll be interacting with angry customers about Chase’s ridiculous fees for their services, but that’s a different story). However, usually you will be trying to make a sale by stalking customers in the lobby, or calling a list of customers in the area to see if they would be interested in coming in and talking to you about the newest product or promotion. It’s not really a banking position, you are just a sales person whose job is to push products and services on whoever walks through that door.

I understand Chase is a business, and what cuts our paychecks and keeps the doors open are the sales of its products. However, the tactics Chase uses to make these sales are unmoral. To their benefit, I do understand the general theory of what this institution is trying to accomplish. They are wanting to make walking into a Chase branch an “experience”. They want their clients to feel welcomed, have a short and efficient visit, and leave smiling. However, they are using ridiculous, cheesy tactics to make this occur. You’ll have morning huddles every morning that will consist of your fellow PB’s, yourself, and some tellers. You’ll find at these meetings the same topic, called the “customer experience” is beaten to a bloody pulp by going over the same thing over and over and over again. I am not stretching the truth one bit when I say that many of these huddles have consisted of us making lists of different small talk topics we can discuss with a client such as the weather, their new shoes, if they are on lunch break, or their new purse.

It also consisted of where we should stand when greeting a customer that will look the most professional, the way we should say hello. The tone in our voice, etc. I wish I could say I was lying, but I’m not. I consider myself very personable, and able to talk to customers in a way that will leave them feeling welcomed. Some customers are ok with just a warm hello, and want to go on their way to make the deposit. Other customers are more than happy to have this small talk conversation with you. But those customers are a rare 25%. The rest of the customers are bothered by your over exaggerated chipperness. Chase needs to back off with the pressure to be overly friendly, and let us bankers find a comfortable medium where we will come off as sincere. Customers see right through this nonsense.

quit your job at chaseI heard before I began at the bank that the sales focus was even worse. They just started to try to “focus on the customers instead of sales” recently. I can’t imagine how much worse it was before I started at the bank, but I don’t think I would have even lasted a day in the old environment.

Chase will tell you they’ve got rid of the scripting, however, they will tell you down to the smallest detail what to say, and then say “but feel free to make it your own”. Essentially, making it your own is throwing in a unique greeting, or maybe changing the order of the words. It is still very scripted.

I do feel bad for most of the branch managers at Chase. Most of them are good people who have just been beaten down and brain washed by this company. I’ve had the pleasure (another term I use loosely) of working at a few different branches. I’ve worked in a large, high volume branch, and a very small, low volume branch. I’ve found the tactics, atmosphere, and overall suck factor is still the same regardless of your location or team. Chase branches are VERY VERY VERY VERY (did I say VERY?!) highly micromanaged environments. There will not be a day where your branch manager or assistant branch manager are not breathing down your neck, watching you make sales phone calls, or greeting customers. I consider myself to be a trust worthy employee, I work best when I’m not getting stalked to do my job. It almost makes me want to do the opposite and not do a thing because I get so frustrated. I always felt like I had eyes watching and ears listening and judging every conversation or interaction I had with a client. I can’t explain it, but the micromanaging is ridiculous there. You won’t really know what I mean until you experience it for yourself.

For those of you who want to know a little more detail about my experience, read on! For those of you who don’t feel like reading my rant, just take away this! Chase made me mental and physical health suffer. I gained weight, I got depressed, I lost touch with family and friends. All for a stupid $15 an hour sales job. If you’re where I was a few years ago, you’re reading this but don’t have the courage to get out while you can. You want to experience it for yourself because it can’t be that bad. Take my advice and find another job! If I can save one person from subjecting themselves to this slave labor, my work here is done! If you’re taking the job because you are interested in banking, still a wrong move. Your day will consist of badgering people to make a sale, and greeting customers. You will be more of a Wal-Mart greeter and a cars salesman just conveniently located in a bank. This isn’t a stepping stone to advancement. Chase has many higher up positions (in fact, the PB’s of Chase are the laughing stock of the rest of JP Morgan Chase), but these positions have strict requirements. They’ll fill your head about being able to advance, but regardless of how great you are with clients, how skilled you are in your job, if you don’t hit the sales numbers for months and months in a row, don’t even think about ever being able to leave your measly PB position.

Now, Chase does have great benefits as far as insurance goes. I paid about $40 a month for mental, dental, and vision. They have a 401K that they will start matching you up to 5% after a year, and provide life insurance. You’ll get a few discount perks (nothing major) on online shopping, and a free employee account with free checks and a free savings account. Chase does offer a few good products, don’t get me wrong. Their online system is the best in the industry, their ATM’s are located everywhere, and their freedom credit card is one of the best in the industry. I did also form a few good friendships while I was there. I’ve never met a banker who was happy in their position. We all day dreamed about leaving, bitched about how much we hated our jobs, and formed a sense of camaraderie over our misery. For most, the position sucked them in. The economy’s hard, this job pays the bills, and personal misery be damned they were staying. I felt trapped for a long time, but after realizing I’ve stopped living my life because I’m so mentally mind fucked by the end of the day, all I want to do is sleep on the couch and eat, I finally realized I needed to get out NOW!

Job Interview AnswersSo I did the unthinkable and resigned without another position lined up. Stupid? yes, but also freeing? yes. I’ve been on a few interviews, and when they get to my part of the resume that has Chase, they will say something along the lines of “I had a few good friends that worked there/or I used to work there, no further explanation on why you left is necessary”. It’s that bad. It has this horrible rep for a reason. I recently had a recruiter who works for another financial institution tell me that they felt so free when they left Chase, and its’ a good thing I left. I’ve never found a company with such a reputation. Every banker you meet will be miserable and seeking for another job. Even many of the loan officers and financial advisers, who are more partners working in your branch versus being employed by Chase, are unhappy since everyday they are subjected to this shitty environment.

You will have a crappy work schedule. You will NEVER have a Saturday off. You will have one day off during the week, and Sunday off. Saturday is a short day, so the rest of the days you work you are working 9 or 10 hour shifts to make up for that short day. That may not seem so bad, but when you are at Chase for 9 or 10 hours, you’d kill for Saturday to have normal business hours so you could just go home and have some time to have a life the rest of the week! Those who have stuck it out long enough to have seniority will work in the morning, 8 to 5. The rest of you will work 9 to 6 or 9 to 7. You won’t have two small 15 minute breaks. All you will get is a 30 minute (sometimes 45 minutes to an hour depending on the branch) lunch break. They used to work us for 6 hours straight without one break just because our state law says you can do so. If you run to the break room to grab a quick bite of a granola bar because you’re going to pass out, I’ve seen people have to stay late one day as punishment. So get ready to work long days with basically no breaks. You’ll constantly want to bang your head against the wall every morning. I can’t tell you how many times on my way to work I just wanted to drive my car into a tree (sound dramatic? you haven’t worked for this company. just wait).

I’m sure by now you’ve read about the 123 drill and working the lobby! Working the lobby is literally trying to take each and every customer that comes in to your desk. Then you execute the 123 drill. This is making sure their home address, phone number, work location, and email are correct. Then you also want to make sure they are in the right accounts. Seems decent in theory, but in reality, that person at your desk only came in to make a deposit, and were just asked if everything was correct in the system a week ago. They are annoyed, in a hurry, and you feel the anxiety building as you’re trying to make a sale so your BM will get off your back, but they are sitting there texting on their phone not listening to a word you are saying. Chase states working the lobby is great for the customers because this is a way to look out for their best interests by keeping them up to date in their accounts. False, this is a way to have your entire profile in front of us so we can look into your account to find ways to sell you something. Working the lobby is a mind numbing and awkward experience. Many customers in line try not to make eye contact while you’re walking up to them so you’ll leave them alone. You feel like a vulture, and there’s nothing you can do about it.

PVC’s are personal value credits, and the way you earn commission. Everything you sell has a credit. For example, a checking account is 20 credits. These values are always changing so Chase can make it harder to meet your goals. Anyway, At the end of the month, if you’ve made enough credits ( usually 1,000) you will get commission (taxed at 30%) on next month’s paycheck. I was a top seller at my previous company, but since I couldn’t badger people to get things they didn’t need, or credit cards when they are already in debt, I rarely made my goals. I was bringing in about 700 PVC’s each month. It’s impossible to hit 1,000 without closing a mortgage that month. So you’ll be doing a lot of calling to people with mortgages to see if they want to refinance. This will be your bread and butter to get paid. However, Chase just literally cut in half what you make on loans, so now it will be even that much harder to meet your goals and make commission.

I felt anxious all day at my job, and depressed as soon as I got home. I remember being jealous of client’s I sat with as they talked about their jobs. I remember wishing I could just walk out that door with them. This isn’t normal. I’ve always been a very hard worker, and loved working! I worked full time during school, and usually was working close to 60 hours a week. I was the person you could call when you didn’t feel good to come in. Now, I dreaded work, and my days off were like heaven to me. Everyone else felt this way as well. It’s like the plague. You will hate your job, and you will dread going to work more than anything you’ve ever dreaded before in your life. Trust me.

There is training for this position as well. Paid training which is nice. You’ll be in a classroom setting with other PB’s close to your start date, and will spend about 8 hours learning about products, sales tactics, role playing, etc. I used to love training because it was a break from the real world of personal banking. Role playing is something you will do every day in training, but more importantly, every day in your branch. ROLE PLAYING IS THE DEVIL! You’ll take turn with your fellow coworkers while the branch is dead, or at the morning huddle, to take turns being the banker, the customer, and the teller. You’ll do this in front of everyone else, specifically your branch manager or distract manager if they are visiting. Then you’ll have the pleasure of getting everything you did criticized down to a tee. It’s such a fake conversation while role playing, and so ridiculous. I hated role playing, it was the vain of my existence.

I’m not a bitter employee ranting about just all the negatives. I left Chase on good terms, and appreciate the name being on my resume. They did screw me over in one aspect, and since I don’t want to give too much detail on here about it, all I’ll say is that I was supposed to get a bonus I earned during the three months I was there before I left. I was set to get that bonus at the end of the month I was leaving. Since I was leaving one day before the bonus was set to get paid, I didn’t’ get it. I was actively employed all three months while earning the bonus, but they found a way not to pay me since I was leaving 12 hours before that bonus was supposed to hit my account. That, my friends, made me very bitter. But I can promise you what I just told you was my experience 100%. If there was any good to my experience I tried to include it.

Right before I left, Chase is giving their employees what they call “wow” cards. It’s a small business card that on the front says “wow, I’m sold on you!”, and on the back has Chase’s website and recruiters phone number for the respective area. We are supposed to hand these out to employees that we think did a great customer service job while we are out and about. For example, if we go to Wal-Mart, and the cashier there was super friendly, we are supposed to ask them, and I quote “are you happy with your job? I was sold on your customer service. I think you’d be a great fit with chase”, and hand them the card. HOW DESPERATE IS THIS COMPANY FOR EMPLOYEES? DEAR GOD!

Overall, all I can do is warn you not to take this position. You will end up miserable, one way or another. If you have had similar experiences, or just want to bitch please feel free to reply to this post! If you have any questions for me about the job, I’ll be checking the replies on here and am more than happy to answer any questions you may have. I wish had been able to do that before I took the position.

Also, there’s a YouTube video I found, though you will find many that shows exactly what I had to deal with in the days leading to my leaving. It’s a funny video, and I recommend watching it.

Take care, and good luck to anyone still employed with Chase! You’re in my prayers!

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179 thoughts on “Why You Should Avoid Working For Chase Bank At All Costs

  1. MS Jack

    I been a Chase for almost 1yr and I LOVE IT!!!!!!. I don’t know what branch you came from or if you really even worked at Chase, but I find all of that hard to believe! Before Chase I worked at Nordstrom for 4yrs. I love Nordstrom, but the retail hours sucked. I worked every weekend and closed a couple nights a week. During December I had no life all I did is work. Now that I’m at Chase I have every Sunday off and one day during the week to run errands. I’m off early every Saturday (No more closing shifts til 9pm at Nordstrom). I’m home every night for dinner with my family……I seriously can’t believe you are complaining about your work schedule. From the sound of it, you’re just one of those spoiled kids who think everything must be handed to you.
    No job is perfect just like no person is perfect…..but man how I do love my job and think God for it every day. I get to help customers, work with great employees, and have a work schedule that allows me time with my family.
    P.S. There is a lot of career growth in Chase. In the last 9 months alone at my branch a teller was promoted to a Personal Banker, 2 Personal banker were promoted to ABM, and our ABM promoted to a BM….and that’s just my branch!

  2. Ralph

    Actually, I think you make sense. I’ve never worked at Chase, but I am a bank of America customer. One of the personal bankers at my local bank used to work for Chase. He told me how he was glad to get a job at Bank of America and was able to leave Chase. He complained that Chase is too heavy on the selling and that they would force him to sell credit cards to a customer even though they already had one from Chase already. He told me working there was terrible, so he/she is not alone on this one.

  3. Maria

    MS Jack… you drank the kool aid!! haha…. you only get promoted if you make sales if you don’t they dont ever know who you are no matter how great you do with customers and put a smile on your face as you explain all of chase’s mishaps…. you have to be at a busy producing branch or know someone to get a promotion… pray you never get transfered bc from the sound of it you are lucky…. if you compare your hours at Nordstrom of course its a huge difference but hello we are talking about Banking! different world and they dont give a damn if you make it to dinner with your family they dont even have regard for your safetly and open branches in the middle of blizzards and state of emergency I can go on and on and on….
    for whoever wrote the post it was as if I wrote this… and I have worked since I was 12 no one handed me ANYTHING throughout my life…. so i feel you I am glad you got out….

  4. Chris Chartier

    I’m glad I saw this, you have inspired me to stay at my current employer (Credit Union). Thank you!

  5. jake

    Hands down wish I would’ve read this three years ago. Everything you said is on point my friend. Some people are too ignorant to acknowledge truth or too beat up to accept reality . Loved that video had to share it with all my closest friends and family members to explain the answer I could never produce. We all make mistakes and I thank you for sharing this because it helps me accept the mistake I made.

  6. jake

    Man on my last day I ran out into the parking lot and screamed, “Thank you God I am free and no longer suspended!” Told my boss that there is no difference between this and fast food at least I am not taking advantage of people. (Selling them a rate when you know that there is better across the street. Like 15% when you know NFCU can offer 9%) Never worked for Chase but Chartway Federal Credit Union and Wells Fargo. All I have to say is that the apple doesn’t fall too far from the tree. There are no true distinctive characteristics between banks and credit unions except for manipulation of terminology. All the business is the same the true difference is the relationship between the financial institution and the government. Credit Unions just use more manipulative tactics by advertising this relationship to their benefit. Anyone who offers less services such as investments or secondary mortgages can offer better rates or terms.

    I could go all day on observation but I think this is a good one!-
    FTR—A pet peeve of mine was “Share-Secured Loans” and support from an educated team. Your boss advises them but they’re ridiculous. I had a man come in one time wanting $250k for a rental property. Our credit union didn’t do this type loan advised on his primary. Didn’t want to tie this up I wouldn’t either. He wanted to talk to my boss and she advised to sell a “SSL” on his money market. I told her he wouldn’t take that idea lightly. It was hilarious when she was trying to sell a Share-Secured Loan for $250k. The guys said, ”Lady are you f***king retarded?” “Why would I pay you 3.00% to borrow my own money?” She said, “It was just an idea sir.” He said, “Here is an idea write me a bank check and close account because clearly you’re a dips**t and this is too much responsibility for you.” She started crying and I felt bad. Here is the thing is your 10 year veteran boss just asked you what she did wrong. “Well I can understand how he feels you slapped him in the face. He probably just took that as disrespect since he has been a member for over 30 years. I am thinking he expected a little more than that.” I learned a lot that day especially on levels of ignorance.

  7. The best

    Honestly I am going to agree with author. I am a current employee this company sucked my soul out of me. I am consisent with my numbers and received few rewards despite that i still cannot move up. The several managers and DM’s made a promise that i would move up in the company however i was not told when. Honestly i have no freaking patient to wait another 2 years to do same repetitive BS!!!. I am done and over this company. I fyou kiss ass you move up since i am not a ass kisser i dont get to move up despite being national achiever. i have been in banking for 6 years and have few certifications would like to move over to corporate nope you cant which i have been told !!!!. you employe for corporate jobs you dont even get a oppurturnity for interviews despite the qualifications i have whether its the experience or education. recruiters assumption that individuals applying from retail environment is incompetent. they talk about career mobility just to blush the eye the internal employee. it is a bullshyt.

  8. @themjerk

    As an employee for nearly 9yrs, one that has worked his way up through the ranks – your perception is a little flawed my friend. If you are only making $2k/month including your $15/hr…it’s not the arrow. What, did you think a company would let you walk in fresh off your retail sales job and start managing hundreds of thousands if not millions in assets? Unfortunately, you need to learn the industry before you can move up. Over the 9yrs or so I have seen soooo many personal bankers that think they are top producers and deserving of a promotion. Truth is, they are mediocre at best and why the hell would any Fortune 500 company want to reward mediocrity when they can reward your colleague who is running circles around you, or anyone for that matter. I know, you are the best and keep telling yourself that, when in fact the numbers don’t lie. Wish I could help buttress your rant, sorry.

    Best

  9. Joe

    I’ve worked at Chase for 1 year. In that time I was promoted from Relationship Banker to Private Bank. I’m not a used car salesman nor do I push products on customers. I use my brain and ask the right questions to customers to see how I can help them and if I can help, great if not then that’s fine too.

    80% of bankers are weak people and do not understand how to build relationships and trust with the customer and should never have been hired! hence our friend who is crying about his lack of success and hated his job. It’s so easy to point the finger and be a victim in this day in age.

    Managers can make or break any job and it’s always awesome when you work for the great ones and it may sound like you got someone who doesn’t understand the vision of Chase and that’s unfortunate. But grow up and ranting on the internet just shows your lack of professionalism and why you won’t make it in a corporate world.

    Leave you with this…. You can either make money or excuses but you can’t do both. I wish you luck in your next career choice

  10. Ramieen

    I am a current teller for chase bank and i definitely agree on some of the things you said. this job gives you no real time for yourself. but i also thing it has to do with your working atmosphere. I work for a chase bank in Brooklyn New York and everything is ass backwards from the customer, to those in charged, to the bankers and tellers. When you have a “team” like that it makes it easy to hate your job and that’s what i think happened to you. I just want to leave this job and find something better for myself but by no means is this the Devils Den. its just stressful like any job in the banking world period.

  11. Matt

    I agree with the author. I work at Huntington bank as a personal banker and their sales goals are ridiculous.

    Everything the author said is exactly what we do here at Huntington bank. But I wasn’t as stressed out as the author because I knew most of the sales goals were impossible. Sale 30 credit cards a week or close a loan a week? Lol not going to happen.

    So our dm and manager breathes down our necks with the goals and stuff. But to avoid the stress that the author experienced, I just didn’t care. They won’t fire you if you don’t meet your goals. People quit so much at Huntington that they are always hiring.

    Anyways I too am looking for another job. Huntington does pay good and give good benefits, so I don’t mind working there. I think that’s banking industry. If you sale refinances than you can meet your goals. But I don’t want to be a manager because they get beat up by the dms.

  12. kelly

    This is the absolute worst company to work for. All they do is belittle their employees and insult them until they do what they want. If you believe it’s a great working environment – Ms. Jack – give it a year you’ll wish you never left Nordstrom! Chase will treat you like trash…sorry and start looking for a better job before they fire you!

  13. Naomi

    Idk man. I’ve worked for the company for 4 years now and I love the place. I think what you should have done was find a different location. Not all managers are like that. My manager is excellent abt helping us balance work life and home life. We have potlucks once a month where we spend the whole day eating. My lunch break is an hour and since we work next to a walmart we get breaks all the time to go get Ida snack. As for my dm, she’s fantastic.
    If you didn’t like the commission as a pb you should have become an rb. Pretty much the only time I don’t hit my thousand is when I’m on vacation. We get at least 2 Saturdays off a month and the weeks that we don’t we still get a day of during the week.
    As for not needing a degree, all I can say is that it is a sales job. Who needs a degree to sale?
    I love that this year they gave us another week of vacation.
    I’ve never had to hand out cards or anything like that either.
    Lastly if you were so stressed you should have spoken up. I know I would have. I’ve never had my manager breathing down my back or listen to my outgoing calls or anything. As a matter of fact, our calls are not even used to make sales or appointments, we only call to thank the customer for banking with us, to introduce ourselves and to let them know that we’re there to help should they ever need anything.
    Like I said, you should have just tried a different branch.

  14. Amber

    Been there for 5 years…sure there’s a lot of work to do…it’s a bank. I love my job. I’m thinking the problem is your ability to balance home and work life. Don’t blame Chase for making you fat. Stop eating so much, problem solved.

  15. Sean

    Nailed it to a tee! I worked for the company for over 6 years. Started as a personal banker and ended as a mortgage office. The worst company to work for, but it paid the bills. The morning huddles were monotonous and is emphasized every morning how stupid and what a waste of time it was to have a meeting every single day. I was at chase as a PB before they started their focus on customer service and during that focus. Trust me, it was a lot worse, however, it’s still terrible. Anyone who likes it there is an idiot and does not have a life. They do micromanage everyone and make you role play all the time. Spare yourself and work for a small bank. It’s much better and thy actually care about you as an employee. Don’t drink the lool-aide, it’s sour!

  16. Sean

    Oh, I forgot, they treat you like you in grade school again. They have no respect for their employees or how they feel. My branch manager was awesome and is a good friend of mine, it comes from the higher ups and works its way down to the pb’s. Also, you can never do well enough there. You get a pat on your back for going way beyond your goals, then it’s right back to how you can do better the next day. Plus, I live in a small town and my goals were the same as someone in NYC, Chicago, LA and all the other large cities. I think it’s a lot easier to close larger mortgages and investments in those cities, yet I had to work three times as hard just to try and go beyond my goals while it takes one sale for them and they are pretty much on easy street for the rest of the month.

  17. Jess

    Here’s an idea: actually read the job description before you apply! It basically tells you that you will be a salesperson.

  18. Dirk Diggler

    I dont know what you guys are talking about. OF COURSE if you don’t hit the sales numbers you won’t get promoted, its a SALES job. You have to understand that sales is a cut throat industry. It is all about numbers, and the only constant is change. If there were no goals, then how could Chase succeed as a bank? You want to work for a company with zero standards or goals? Go work the drive thru at Sonic or as a clerk at a 7-11. You seem like you have no motivation at all, like you just simply aren’t that great at your job and just need to use Chase as the scapegoat. Now you’re complaining about the hours as a banker? LOL. Dude you must have worked 20 hours a week at your retail job. Working a short shift on Saturday? OMG how hard!! I’ve worked in the restaurant business for years and now have switched to banking, my how much easier it is now. I’m going to attribute the fact that you ‘claim’ you work 60 hours a week to the fact that you weren’t hitting your numbers. You should have done your research on sales before you took the job….salesman work alot especially if they havent been meeting goals. And as far as the training is concerned, if you don’t understand that roleplay is practice for the real deal…then i dont know what to tell you. OH MY GOD ALL WE TALK ABOUT IS THE CUSTOMER EXPERIENCE ITS RIDICULOUS!! Well yeah dude, you work for a bank, which is a HIGHLY competitive industry where customer satisfaction is paramount, it makes perfect sense from a business standpoint. I know plenty of people who have worked for Chase or other banks and have started as personal bankers and worked their way up. It’s all about the person. You act like 15 dollars an hour is minimum wage, according to your biography, you would be making almost double what you made in retail, even without commission. Perhaps you should have looked up jobs that require college degrees, instead of getting a job that didn’t, then complaining about it later. Did you ever talk to your manager about how you felt about the job? Maybe on ways that you could improve or possibly hit your numbers? Did you ever network with other employees who were successful in an attempt to expand your knowledge or know-how? Instead of doing any of that, you joined a band of un-inspired, loathing people such as yourself a threw a daily pity party. You don’t seem like a very motivated individual. Do everyone a favor and dont make any more websites dedicated to things you hate, you are going to flood the internet with pointless rants.

  19. Chase Philosopher

    I am a Branch Manager at Chase. I started as a teller, then Personal Banker (what is now Relationship Banker), then Sales Manager, and now my current position.

    You won’t find many branch managers looking through these websites because most have spared themselves the misery of really contemplating this job.

    To the original poster, I say this:

    You mistook this job for a TV fantasy of a college graduate finance career. THERE ARE NO EASY JOBS IN FINANCE. NONE. You think you had it tough making small talk with customers in the lobby? When I was a banker, initially in the slowest branch imaginable, you had to hit sales targets or you would be cast out. That simple. BUT! If you really applied yourself, asked for help from your manager, were honest with your own shortcomings, and really had a reason to succeed – you could have done it at almost any branch. I did.

    Granted, Chase Bank can be very demanding, like almost any corporate job where at the end of the day you are just a piece of the bottom line. However Chase can take a person that has no possible chance of making close to $100K a year, and put that amount of money in your account. It’s just a matter of applying yourself. Chase is not a pyramid scheme or some bullshit sales job where you are promised the world and no one delivers. You are NOT A CAR SALESMAN OR A WALMART GREETER! I had real clients, and helped them with very complex banking problems which I educated myself on continuously. I showed real value to my clients because I wasn’t afraid to find out more about what we can do, and ask my customers about their needs.

    I have had hundreds of loyal customers that helped me buy two homes and change my life in a dramatic way.

    Any sales job can be hard, and the customer experience that is going on right now can be very tedious and difficult to deal with, granted. However if you were averaging 1000 PVCs, at the end of the day – HOW CAN YOU JUSTIFY YOUR COMPLAINTS WHEN THOUSANDS OF OTHER BANKERS ARE MAKING OVER 2000 PVCs, and bringing home over $80k a year consistently?

    Plus you really are full of it that Chase changes its payouts to pay you less. If anything it has gotten ridiculously easier to make PVCs, especially with the advent of Chase Private Client. You mentioned mortgages, and said nothing about New Money, which is a huge portion of success.

    Think about this – a job that requires no college degree, with lots of openings, allows you to make $80k if you apply yourself even two thirds of the way, and you complain that it is difficult? OF COURSE IT WILL BE DIFFICULT! WHO IN THIS HOURGLASS ECONOMY WILL PAY YOU THAT MUCH MONEY WITH SO LITTLE QUALIFICATION WITHOUT ASKING YOU TO WORK SOME MIRACLES?!

    I think your frustration is better ascribed to the American Economy and work culture as a whole. I agree wholeheartedly that this country, its jobs, and Chase included will work you into your grave if you aren’t able to develop certain coping and support mechanisms. It’s not Chase that is at fault here. The company is more rigorous in relation to its competitors in direct proportion to how much higher the pay is in relation to those same competitors. I CAN GUARANTEE THAT YOU’RE NOT MAKING ANYWHERE NEAR $80K a year right now in your next job, if you’re employed at all. 3 OUT OF MY 5 BANKERS ARE MAKING ABOVE $70K, and I showed them how to do it. I didn’t BS them, I told them that it was hard, I told them what they would need to do.

    Yes, I “role-played” with them – which is actually just practice (By the way, you wrote that it is the “vain” of your life… dude seriously, you have a college degree? It’s ‘Bane’ of your life… just like District Manager is not “Distract Manager”… the ‘I’ and ‘A’ are nowhere near on the keyboard….) , or did you expect to walk in through the door and know just what to say and how? If you were overly micro-managed, it is likely that your branch manager thought you were a problem banker, and was colluding with your District Manager to “coach you out”, the fact that you worked many different branches suggests no Branch Manager wanted to hang on to you.

    Having said all that… I don’t think you are a bad guy, I don’t think you are a loser as some other have suggested, though you very well might be upon getting to know you better. I think you just got overwhelmed. The student debt, the shitty job market, the realization that capitalism is utter horse-crap that treats you like a cog in the machine rather than a human being.

    Your problem is that you believed that this was going to be the kind of respectable job you were promised all your life. I think if you knew going in that American corporations are the most malevolent and heartless entities this side of the hemisphere you would not have felt so cheated. I assume you are a millenial, as am I. We are called the “lost generation” for a reason. We are not treated fairly, we are underpaid, over stressed and no one cares. Most everyone I know my age is unemployed or underemployed. Given this harsh and heartless reality, I am happy to at least have some chance at the American dream.

    You think leaving Chase will solve your problems? You could be happier, and that is in and of itself a goal far greater than financial security. But I’ve seen too many middle aged people that are flailing in the wind with no resources, health problems and nothing but bleakness in the future. I hope that’s not you brother (or sister? Now that I think about it…). But I’m saying this to convey the reality that you refused to face, and I know it’s hard, I’m not even judging – seriously. Who knows really why I didn’t leave Chase when I was a banker being crushed completely or a Branch Manager being crushed completely…

    Here’s my advice. It seems that you don’t belong in a corporate setting. This might actually be a good tell about your personality. You might have a strong sense of justice, you might be creative, you might be dreaming big, you might want bigger and better things for yourself!

    But the reality is that it just will not fall into your lap unless your dad dies and you inherit his $500k home. Without that… in a capitalist society, you have to eat shit, and with no guarantees.

    Here comes the advice: By up real estate, mortgage it, put little down (after all who has a lot to put down anyway?) Get some tenants in there, and there’s your back up plan. NO CORPORATION WILL EVER GUARANTEE YOUR HAPPINESS OF FINANCIAL WELL BEING!

    As a side note, I have a master’s degree myself, and I don’t begrudge my co-workers with the GEDs. They’re hardworking, brave people that in spite of their lack of knowledge and intellectual confidence made their way into the bank to learn what they could and do the best they could. I’d be lying if I said I don’t feel intellectually superior to them, because I am. But am I necessarily a better salesperson for it? I am most certainly not. And if you ever thought your degree alone was going to put money in your pocket, you were regrettably a victim of the capitalist pipe dream.

    Good luck man, it seems like you’re going to need mountains of it to crawl out of the picture of your life that you painted on these webpages.

  20. Private

    Can’t even lie, this is exactly how it goes down lol! Luckily I had a good branch manager that only pushed that stuff on us when the District Manager was around but it really is BS. You only get promoted if you make sales but you see people with no banking experience getting hired in as Managers. They pretty much tell you everything you want to hear in training and during the interview but when you get on the job they want you to be a Chase-bot as I call them. I was a personal banker and I left retail and work back office now which isn’t too much better but at least I have weekends off. I’ve been with Chase for 2 years and I had the opportunity to leave once, didn’t, was going to leave after a year of being there, my manager convinced me to stay and now after my 2nd year, I’m looking to leave again. Chase will pay you in a way that looks good and keep you there for a little longer until you realize you not really getting paid., like those OSAT bonuses, the year end bonuses and the point/pvc sales bonuses get cut lower and lower and get harder and harder to earn every year.

  21. Andy

    I’ve worked for chase for 3 years now and have finally had enough. I started out as a banker and because of the stress actually have been a teller since. Reading this article was creepy because it’s like I wrote it! Everything is EXACTLY how you say it is. Not to mention, you have to plan your entire year’s vacation in January and at my branch you can’t overlap anyone. If you do, you will get denied, even if your entire family has already made plans.

  22. Anon

    Oh I love the branch manager coming in and trying to justify a multi trillion dollar company treating it’s employees like garbage and telling them it’s an “opportunity”. Anyone who has spent their entire life working for Chase and raving about the company has sold themselves short and has been tricked. You’re not entitled to a cushy job in finance just because you’ve graduated college, and that’s not the impression I got from the original poster, you ARE entitled to being treated with dignity and respect. As far as posters calling you a “loser”, just goes to show who does well in that environment.

  23. Lj

    I worked at chase for 4 1/2 years and had to get out. The first two years where great and then it went down hill. We had got a new D.M a younger one and he made working there horrible. I had put in my ap to move to a different position in the bank and he told me he didn’t think I was smart enough for it. It took everything in me to not hit him. Funny thing was I had two different people always ask me to come work for them and I finally did. I love my new job. Better pay and off every weekend and I don’t have a boss who tells me I’m not smart enough. I have been given a raise twice now for knowing what I was doing and being smart enough to get the books straight and ideas of bringing new customers to their business!

  24. interested

    WOW!! I have read all of your posts and I am blown away. I have been in that GIANT corporate position before and the money was AMAZING!!!! I was the go-getter and rewarded well. I unfortunately went through a very devastating life experience that changed my focus and I felt just as bad as those who are complaining. In the end, I left my company and concentrated for a year about how horrible they were. Funny thing, there were no other jobs out there that could pay my bills. In the end, I realized that the problem was mostly me. All sales jobs are hard! btw….I started out as a car sales person for 10 years..also did finance and what is expected in bank is nothing like a dealership. I currently work for a credit union and don’t make crap, and the goals are still there to sell!!!!! Selling is selling. Bottom line, you can either sell and make good money or settle in and get your bottom powdered and back patted all day and at the day, you will probably make very little. People who understand sales block the outside distractions and get it down,,,end of story. I have several friends who work for chase in different roles and the weak are the ones complaining. the strong don’t give a shit and get out there, get the job done, manage their home and work balance and make good money. My advise to the author: Get out of sales!!!

  25. Leslie

    Honestly, what a piss poor attitude to have about your job, it’s no wonder this person didn’t last. Yes they beat customer service to a bloody pulp but it’s only bc a lot of other banks don’t care at all for it! (Ever stand in line at B of A on a Friday?) this whole post is about a whiny brat who didn’t enjoy his job. Being a banker is not that bad and what this person leaves out is that you do build a relationship with customers like you never imagined you could, you begin to have regulars who only trust you with their accounts and refer their family to you and you alone, and in that it’s really not hard to sell once you’ve hit that point. Also, *immoral bank fees? Guess what, all large banks have them.

  26. Anon

    Oh, okay, so basically everyone who has done “well” in the company has just flat out explicitly said they’ve given up on themselves. Good for you guys, you know what? You’re obviously not that strong of a person… Likewise, people who aren’t sales people aren’t “weak”. As far as what I expect? Because there’s a lot of “well, what did you expect?”, again, from a multi trillion dollar company, I expect them to treat me decently… And no, paying me just enough to make ends meet isn’t what I’m talking about. I’m talking about realizing that I’m a human being who might need help every now and then (flexibility in the schedule and anything else that goes a goddamn inch beyond the bottom line and the bare minimum). Chase loves people who need it more than it needs them. I get it, it’s cheaper and easier to have people bend over backwards for you because they know they’ll never do better and who just feel lucky to be getting your pocket change; and even better, people like that are a dime a dozen, so if one doesn’t work out you can just get another, but what does that do to the company? It populates it with incompetent ineffective employees who do nothing but create inefficiency and obviously, based on other posters, an insensitive and hostile work environment where if you don’t feel like you’re being treated with respect and decide to say something, you get labeled as being “whiny” or “entitled” or “ignorant”.

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