Axos Bank vs UFB Direct

Axos Bank is a full-service online bank with excellent checking and savings. 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
	SPECIAL OFFER Basic Business Checking - Learn More Read Axos Bank Review	SPECIAL OFFER UFB Freedom Checking - 2.00% 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 3.26% 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 3.26% 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
Mobile App
ATMs
Locations
Money Market
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 checking and savings... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Basic Business Checking Business Premium Savings - Up to 3.60% APY Axos ONE - Earn up to 4.21% APY	UFB Freedom Checking - 2.00% APY UFB Freedom Checking & Savings - Unlock Up to 3.46% APY UFB Portfolio Money Market - Earn up to 3.26% APY
Axos Bank: Pricing information from published website as of 06/05/2026. UFB Direct: Pricing information from published website as of 06/06/2026.

Which is Better: Axos Bank or UFB Direct?

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