Chase is the largest U.S. bank -- and one of the largest in the world. But for all its banking power and acumen, there's one thing Chase lacks: a high-yield savings account that can compete in today's high-rate environment.The closest thing Chase has to a high-yield savings account is its Premier Savings. When this account is linked to a Chase Premier Plus Checking℠ or Chase Sapphire Checking account, its APY becomes a steady 0.02% on all balances. Without that relationship perk, however, the account reverts to Chase's standard savings rate of 0.01%. This is hundreds of times lower than the top rates on today's best savings accounts.If you're storing wads of cash in a Chase account, that might make you wonder how much you could be missing out on. Well, when you start to crunch the numbers, it could be a lot.The average American could be missing out on $400 per yearThe median savings balance in 2022 was about $8,000, according to the latest survey of U.S. Family Finances by the Federal...