Chase vs USAA Bank

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

	Member FDIC	USAA BankBank of AmericaWells FargoU.S. BankDiscover Bank
	Visit Site	Learn More
	Chase	USAA Bank
	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review	SPECIAL OFFER 6-Month CD - 2.25% APY - Learn More Read USAA Bank 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.	USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open. USAA Performance First Savings: Earn up to 0.65% APY. $1,000 to open.
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
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.	Classic Checking, Youth Spending
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	100,000+ USAA and USAA-preferred ATMs
Customer Service	Automated service available 24/7	Monday - Friday: 9AM - 5PM (ET) Saturday: 8:30AM - 1PM (ET)
IRA CD		0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.
Locations	Over 4,700	4 financial centers in Colorado, New York, Maryland, and Texas
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Fees
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: $0 monthly fees Free bank card Cons: Low APY Not available for all
Bottom Line	National bank with good promotions for new customers... Read full review	Savings account with low rate and limited availability... Read full review
	Visit Site	Learn More
	Chase First Banking Referral Program - Up to $500 Bonus	6-Month CD - 2.25% APY 9-Month CD - 2.00% APY 9-Month Jumbo CD - 2.00% 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. USAA Bank: Pricing information from published website as of 06/28/2025.

Which is Better: Chase or USAA Bank?

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: Chase's customer service is worth mentioning.

Articles on Chase

Chase Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

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Open Chase Bank Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

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Chase Business Checking Bonus

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.

Chase Business Complete Banking Review

Is Chase Business Complete Banking the right choice for you? Here are the benefits and fees you need to know.

How to Open a Chase Business Bank Account

Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

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Chase Routing Number

What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

• Chase vs Discover Bank

Chase Private Client vs Sapphire Banking

What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.

Chase $600 Bonus

Curious about scoring $600 from Chase? Read on to find out how to qualify and claim a $600 Chase bonus.

Does Chase Have a High Yield Savings

Curious if Chase offers a high-yield savings account? Read on to find out.

Chase Savings Account Interest Rate

Looking to open a savings account with Chase? Check out the current rates being offered.

Articles on USAA Bank

USAA Routing Number

USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.

USAA Savings Account Interest Rate

Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.

USAA High Yield Savings

USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.

Which Do You Think is Best?

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