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Citibank vs UFB Direct

Citibank is a large national bank best for high balance customers. How does it compare to UFB Direct? Read our comparison chart below.

Citibank has over 700 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

While UFB Direct specializes in online savings accounts with competitive APYs. The UFB Priority Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Priority Money Market has balance requirements but offers check-writing privileges.

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

 Citibank
Member FDIC
Member FDIC
 Learn MoreLearn More
 

Citibank

UFB Direct

OFFER
Citi Priority - Earn up to $2,000 Cash Bonus

Read Citibank Review

SPECIAL OFFER
UFB Secure Savings - Earn up to 5.25% APY - Learn More

Read UFB Direct Review

 

Benefits and Features

Savings
  • CitiĀ® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
Up to 5.25% APY
CD
Check
N/A
CheckingCiti Priority
N/A
Money Market
Check
Up to 5.25% APY
Customer Service24/7 Live Customer Service (Telephone)
Mon - Fri: 8 am - 5 pm PT
Mobile App 
iOS & Android
ATMsMore than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.Free withdrawals at 91,000 ATMs across the nation
IRA CD
Check
 
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
Online only
 

CreditDonkey® Reviews

 Citibank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarStar
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Money MarketStarStarStarStarEmpty Star
Pros & ConsPros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Pros:
  • Competitive APYs
  • Easy online banking
Cons:
  • Limited transactions
  • No physical locations
Bottom LineLarge national bank best for high balance customers... Read full reviewSafe digital bank for high APYs on personal savings and MMAs... Read full review
 Learn MoreLearn More

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Citibank: Pricing information from published website as of 12/05/2023. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

    UFB Direct: Pricing information from published website as of 12/06/2023.

    Citibank: This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

    Citibank

    Citi Priority - Earn up to $2,000 Cash Bonus

    Expires 1/9/2024
    • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
    • New to Relationship customers can choose their Relationship Tier.
    • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
    • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
    • If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    • Restrictions apply.
    Citibank

    Citi Priority - Earn up to $2,000 Cash Bonus

    Expires 1/9/2024

    Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day. New To Relationship customers can choose their Relationship Tier. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities. Restrictions apply.

    Balance LevelsMaximum Bonus
    $10,000 - $29,999$200
    $30,000 - $74,999$500
    $75,000 - $199,999$1,000
    $200,000 - $299,999$1,500
    $300,000 and above$2,000

    Citibank

    Citigold® - Earn up to $2,000 Bonus

    Expires 1/9/2024
    • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day.
    • New to Relationship customers can choose their Relationship Tier.
    • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
    • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
    • If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    • Restrictions apply

    Which is Better: Citibank 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 Citibank or Chase.

    In short: UFB Direct's savings is outstanding.


    Articles on Citibank

    Citibank Review

    Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Open Citibank Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Priority

    Earn up to $2,000 for opening a Citi Priority with required activities. Find out how to take advantage of the huge bonus.

    Citibank Accelerate Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Articles on UFB Direct

    UFB Direct Review

    UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

    UFB Direct Savings vs Money Market

    UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best.

    Which Do You Think is Best?





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