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UFB Direct Reviews


bestfor-icon A trusted bank that delivers

Written by Andrew Omalley

About UFB Direct | Read More


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Mon-Sun 24/7
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  • 1-877-472-9200
  • Headquarters: 4350 La Jolla Village Dr Ste 140 San Diego, CA 92122-1244
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UFB Direct Online Banking Review

There are two accounts that UFB Direct Bank currently offers. They are both savings accounts, each carrying good APYs. The terms of the accounts are very decent so they will be viable choices for many people. Added to that is the great reputation that UFB Direct Bank has in the space.

UFB Direct Online Banking Highlight

No fees on any ATMs

ATM Network


Other Fees

Online Banking Savings

Min 4.81%

Min APY Savings

Pros & Cons

  • con-icon Offer premium money market account
  • con-icon Can reach to 0.20% APY
  • con-icon Offer complete online banking
  • con-icon Only offer savings account
  • con-icon High APY when maintaining a high balance

Account types

  • Savings


Account 1 Year 3 Years 5 Years
UFB Best Money Market 4.11% 4.11% 4.11%
UFB Best Savings 4.11% 4.11% 4.11%

Opening An Account

As UFB Direct Bank is solely an online bank, everything can be done from its website. All of the standard information that you would expect to have to provide when opening a bank account will be required. You need to choose the savings account you wish to open and then provide info such as your full name, address, and date of birth.

You need to be at least 18 years old to open a UFB Direct Bank account and you will have to provide your Social Security Number and photo ID. The entire process doesn’t take very long at all, so you will be able to deposit funds to your new savings account before you know it.

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



Does UFB Direct Bank provide checking account options?

There are no checking accounts available at UFB Direct Bank, only savings accounts.

Does UFB Direct Bank have physical branches?

No, UFB Direct Bank is a completely online bank.

Can you get an ATM card with a UFB Direct Bank savings account?

Yes, the money market account allows you to get a debit card and the regular saving account allows you to get an ATM card.

Customer Support

UFB Direct Bank really aims to look after its customers, which is why the phone lines remain open 24/7. This is something that is quite rare in the online banking space, with many operations closing their pipelines over the weekend and outside of regular working hours.

There is also live chat and email support at UFB Direct Bank that you can use. It really knows how to treat people the right way and it values the time of users when issuing replies.

Privacy & Security

UFB Direct Bank has an A+ Better Business Bureau rating. It also has been in business for more than two decades, having established a good reputation over this time. Customer reviews are generally positive and UFB Direct Bank aims to protect the privacy of users at all times. Encryption technology is deployed to allow for secure transmissions of data and accounts are FDIC-insured.

In Conclusion

UFB Direct Bank is a very trustworthy online bank that has over two decades experience in the sector. It offers some of the best savings account rates in the current market, especially if you are planning to save large sums of money. There are low barriers to entry, allowing a wide range of people to benefit from the UFB Direct Bank offering. 

Brand Disclaimer

From time to time, we may offer you or you may open a variety of deposit accounts. Each such account (the “Account”) is subject to the general terms and conditions and any specific terms and conditions relating to that type of account that may be set forth in this Agreement. This disclosure describes the terms, services and the interest calculation with respect to the Deposit Accounts opened through the Bank’s Website. All Checking and Savings accounts are variable accounts and these rates are subject to change without notice. This Truth in Savings disclosure refers to the Schedule of Fees herein.


If your account earns Interest, the following information applies unless otherwise specified in the description for your account type:

Rate Information:

  • The interest rate and corresponding APY for savings and money market accounts are variable and are set at our discretion.
  • Your interest rate and annual percentage yield may change.
  • Fees may reduce earnings.
  • At our discretion, we may change the interest rate on your account.
  • We may change the interest rate on your account at any time.
  • Interest rates and APYs for different balance ranges are listed on the Bank’s website.
  • We reserve the right to change balance ranges or apply the same interest rate to more than one range.