Axos Bank vs UFB Direct

Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to UFB Direct? Read our comparison chart below.

Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

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

	Axos Bank	UFB Direct
	Member FDIC	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	SPECIAL OFFER UFB Portfolio Savings - Earn up to 3.51% APY - Learn More Read UFB Direct Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Up to 3.51% APY
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	N/A
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback	N/A
Money Market	0.25% APY	Up to 3.51% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	Free withdrawals at 91,000 ATMs across the nation
Customer Service	24/7	Mon - Fri: 8 am - 5 pm PT
Locations	Online only	Online only
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Learn More	Visit Site
	Rewards Checking - Up to 3.30% APY Axos ONE - Earn up to 4.51% APY Basic Business Checking - Up to $200 Bonus	UFB Portfolio Savings - Earn up to 3.51% APY UFB Freedom Checking & Savings - Unlock Up to 3.71% APY UFB Portfolio Money Market - Earn up to 3.51% APY
Axos Bank: Pricing information from published website as of 10/30/2025. UFB Direct: Pricing information from published website as of 10/30/2025.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

Build your own APY with up to 3.30% APY*
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
No initial deposit requirement
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit

Member FDIC

Axos ONE - Earn up to 4.51% APY

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Earn up to 4.51% APY* on savings, and 0.51% APY* on checking when you meet requirements.
Get your money up to 2 days early.
No monthly maintenance, minimum balance, account opening, or overdraft fees.

Member FDIC

Basic Business Checking - Up to $200 Bonus

Get Deal

Expires 6/30/2026

Open a Basic Business Checking account using promo code START200 by June 30, 2026.
Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
No initial deposit requirement
No minimum balance requirement
No monthly maintenance fees
Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
Unlimited domestic ATM fee reimbursements
Unlimited item processing (debits, credits, and deposited items)
Cash deposits via MoneyPass and AllPoint networks

Member FDIC

UFB Portfolio Savings - Earn up to 3.51% APY

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Earn up to 3.51% 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 3.71% 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 3.51% APY

Learn More

Earn up to 3.51% 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: Axos Bank 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 Axos Bank or Bank of America.