Last Updated:
UFB Direct Review 2026
Quick Summary
Rating
4.2/5 ⭐
Savings APY
Up to 3.26%
Checking APY
2.00%
Monthly Fee
$0
Best for: Consumers seeking interest on both checking and savings and who can meet activity requirements
What is UFB Direct?
UFB Direct is a full-service online bank offering competitive rates and modern banking features.
✓ Pros
- Interest‑bearing checking and savings with no monthly fees
- Large nationwide ATM network with reimbursements
- Money market and savings accounts available
- Free ATM card for savings
✗ Cons
- Highest savings APY requires maintaining a $10k balance, $5k in monthly direct deposits and 10 debit transactions
- No physical branches
- Customer service availability is limited
Account Details
| Savings APY | Up to 3.26% |
| Checking APY | 2.00% |
| Min Deposit | $0 |
| Monthly Fee | $0 |
| ATM Access | Access to 90,000+ fee‑free ATMs; reimburses up to $10 in out‑of‑network fees per month |
| Mobile App | Good |
| FDIC Insured | Yes |
Who Should Choose UFB Direct?
Best for: Consumers seeking interest on both checking and savings and who can meet activity requirements