UFB Direct vs Chase

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Chase? Read our comparison chart below.

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.

While 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.

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

	Member FDIC	ChaseCIT BankWestern Alliance BankBank of AmericaWells FargoU.S. BankDiscover Bank Member FDIC
	Visit Site	Learn More
	UFB Direct	Chase
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 3.76% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Chase Business Complete Banking® - Up to $500 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	Up to 3.76% APY	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.
CD	N/A	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	N/A	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.
Money Market	Up to 3.76% APY
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	15,000+ Chase ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT	Automated service available 24/7
Locations	Online only	Over 4,700
	CreditDonkey® Reviews
Savings
Money Market
Mobile App
Customer Service
CD
Checking
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 3.76% APY UFB Freedom Checking & Savings - Unlock Up to 3.96% APY UFB Portfolio Money Market - Earn up to 3.76% APY	Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. UFB Direct: Pricing information from published website as of 10/01/2025. Chase: Pricing information and data points from published website as of 10/21/2025.

Member FDIC

UFB Portfolio Savings - Earn up to 3.76% APY

Learn More

• Earn up to 3.76% 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 3.96% 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 3.76% APY

Learn More

• Earn up to 3.76% 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: UFB Direct or Chase?

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

In short: UFB Direct's savings is outstanding.

Articles on UFB Direct

UFB Direct Review

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Which Do You Think is Best?