Acorns Early vs UFB Direct

Acorns Early is a good banking app with fun educational content. How does it compare to UFB Direct? Read our comparison chart below.

Acorns Early is a financial learning app for ages 6-18. It lets kids spend with a debit card, set savings goals, get paid for chores, and more. The app evolves with kids to suit their needs at different ages. Plans start from $5/mo per child.

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

		Member FDIC
	Visit Site	Visit Site
	Acorns Early	UFB Direct
	SPECIAL OFFER Acorns Early Kids' Debit Card - Learn More Read Acorns Early Review	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review
	Benefits and Features
Savings	Create savings goals; No APY (parent-paid interest only)	Up to 4.01% APY
CD		N/A
Checking	Debit card up to 4 kids (Family Plan); 1 debit card (Individual Child)	N/A
Kids Debit Card
Money Market		Up to 4.01% APY
Mobile App	iOS & Android	iOS & Android
ATMs	No fee for either domestic (US) or international ATM use. ATM owners may charge a fee.	Free withdrawals at 91,000 ATMs across the nation
	CreditDonkey® Reviews
Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
Money Market
Pros & Cons	Pros: App evolves with your child Flexible parental controls Game-like educational tools Cons: Accounts don't earn interest Can't cancel through the app	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	Good banking app with fun educational content... Read full review	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Visit Site	Visit Site
	Acorns Early Kids' Debit Card Acorns Early Debit Card for Kids and Teens Acorns Early Debit Card for Kids 6-18	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. Acorns Early: Pricing information from published website as of 11/30/2024. UFB Direct: Pricing information from published website as of 04/18/2025.

Acorns Early Kids' Debit Card

• Real-time spend notifications.
• Block and unblock cards easily.
• Teach financial independence safely.

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

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Acorns Early Debit Card for Kids and Teens

• For kids ages 6-18
• Customize chores and allowance
• Set spending controls and limits
• $5/mo per child

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

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Acorns Early Debit Card for Kids 6-18

• Over 2 million members
• Customize chores and allowance
• Full parental controls - monitor transactions, set spending limits, block unsafe merchants
• Teach kids financial responsibility safely
• 30 days free; then $5/mo per child

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

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Which is Better: Acorns Early or UFB Direct?

In short: UFB Direct's savings is outstanding.

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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. Get a higher rate today.

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Which Do You Think is Best?