Chase vs UFB Direct

Chase is a national bank with good promotions for new customers. How does it compare to UFB Direct? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While UFB Direct specializes in online savings accounts with competitive APYs. The UFB Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Money Market has balance requirements but offers check-writing privileges.

Compare Chase with UFB Direct, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	UFB Direct
	Member FDIC	Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	Up to 4.01% APY
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	N/A
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.	N/A
Money Market		Up to 4.01% APY
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	Free withdrawals at 91,000 ATMs across the nation
Customer Service	Automated service available 24/7	Mon - Fri: 8 am - 5 pm PT
Locations	Over 4,700	Online only
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	National bank with good promotions for new customers... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Visit Site	Visit Site
	Chase First Banking Referral Program - Up to $500 Bonus	UFB Portfolio Savings - Earn up to 4.01% APY UFB Freedom Checking & Savings - Unlock Up to 4.21% APY UFB Portfolio Money Market - Earn up to 4.01% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 08/26/2025. UFB Direct: Pricing information from published website as of 08/21/2025.

Member FDIC

UFB Portfolio Savings - Earn up to 4.01% APY

Learn More

Earn up to 4.01% APY.*
No monthly maintenance fees.
No minimum deposit required to open an account.
Access your funds 24/7 with easy-to-use digital banking tools.
Enjoy peace of mind with FDIC insurance up to the maximum allowance limit – Certificate #35546.

Member FDIC

UFB Freedom Checking & Savings - Unlock Up to 4.21% APY

Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.* Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.

Learn More

Member FDIC

UFB Portfolio Money Market - Earn up to 4.01% APY

Learn More

Earn up to 4.01% APY*
Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
Access your funds 24/7 with easy-to-use digital banking tools.
Have peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.

Which is Better: Chase or UFB Direct?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

In short: UFB Direct's savings is outstanding.