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.
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| Learn More | Learn More | |
Citibank | UFB Direct | |
|---|---|---|
Citi Priority - Earn up to $2,000 Cash Bonus | UFB Secure Savings - Earn up to 5.25% APY - | |
Benefits and Features | ||
| Savings |
| |
| CD |  | |
| Checking | Citi Priority | |
| Money Market | | |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| Mobile App | ||
| ATMs | More 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 | | |
| IRA Money Market | | |
| Locations | More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami) | |
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD | | |
| Checking | | |
| Customer Service | |  |
| Mobile App | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Large national bank best for high balance customers... | Safe digital bank for high APYs on personal savings and MMAs... |
| Learn More | Learn 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. | ||
Citi Priority - Earn up to $2,000 Cash Bonus
- 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.
Citi Priority - Earn up to $2,000 Cash Bonus
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 Levels | Maximum 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 |
Citigold® - Earn up to $2,000 Bonus
- 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
Open Citibank Account
Citi Priority
Citibank Accelerate Savings
Citibank Routing Number
Articles on UFB Direct
UFB Direct Review
