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.
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Citibank | UFB Direct | |
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Citi Checking - $1,500 Bonus | UFB Portfolio Savings - Earn up to 4.01% APY - | |
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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) | |
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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. | |
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Pros & Cons | 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... |
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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 05/07/2025. 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 04/18/2025. |
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.