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

	Citibank	UFB Direct
	Member FDIC	Member FDIC
	Learn More	Visit Site
	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review
	Benefits and Features
Savings	Citi® 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. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.	Up to 4.01% APY
CD	6-Month Fixed Rate CD - 4.00% APY 3-Month Fixed Rate CD - 3.25% APY 1-Year Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 2.50% APY 5-Year Fixed Rate CD - 2.00% APY	N/A
Checking		N/A
Money Market		Up to 4.01% APY
Mobile App	iOS & Android	iOS & Android
ATMs	More than 65,000 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
Customer Service	24/7 Live Customer Service (Telephone)	Mon - Fri: 8 am - 5 pm PT
IRA CD
IRA Money Market
Locations	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.	Online only
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: 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 Line	Large national bank best for high balance customers... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Learn More	Visit Site
		UFB Portfolio Savings - Earn up to 4.01% APY UFB Freedom Checking & Savings - Unlock Up to 4.21% APY UFB Portfolio Money Market - Earn up to 4.01% APY
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 08/20/2025. 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 08/21/2025.

Member FDIC

UFB Portfolio Savings - Earn up to 4.01% APY

Learn More

Earn up to 4.01% 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 4.21% 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 4.01% APY

Learn More

Earn up to 4.01% 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: 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.