North One vs UFB Direct
North One is a good business banking features and tools with no monthly fees. How does it compare to UFB Direct? Read our comparison chart below.
North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.
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 North One with UFB Direct, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Visit Site | |
North One | UFB Direct | |
|---|---|---|
North One Free Business Banking - Up to 2.50% APY - | UFB Portfolio Savings - Earn up to 4.01% APY - | |
Benefits and Features | ||
| Savings | No savings account, but you can create unlimited envelopes for savings goals | |
| CD | ||
| Checking | $0 monthly fee; no balance requirements | |
| Monthly Fee | ||
| Money Market | ||
| APY | up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements | |
| Minimum Deposit to Open | ||
| Mobile App | ||
| ACH Transfer Fee | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | |
| Balance Requirement | ||
| Cash Deposit Fee | up to $4.95 with Green Dot locations; 1 reimbursement/month (Standard members); 3 reimbursement/month (Plus members) | |
| Customer Service | Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST. | |
| Incoming Wire Transfer Fee | ||
| Locations | ||
| Out of Network ATM Fee | $2.50 per transaction; 2 reimbursement/month (Standard members); 6 reimbursement/month (Plus members) | |
| Outgoing Wire Transfer Fee | ||
| Overdraft Fee | ||
CreditDonkey® Reviews | ||
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| Checking |   | |
| Fees | | |
| Mobile App | |  |
| Customer Service | | |
| Savings | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good business banking features and tools with no monthly fees... | Safe digital bank for high APYs on personal savings and MMAs... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. North One: Information sourced from the published website as of 07/26/2025. UFB Direct: Pricing information from published website as of 06/07/2025. | ||
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Business banking for teams
- Automatic invoice ingestion and payments
- Sales and revenue analytics
- Unlimited account envelopes
- Close to 100 integrations
- Over $5000 in perks for new customers
- No monthly fees, no application fees, no minimum balance
North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
North One Plus Business Banking - Up to 3.00% APY
- 3.00% APY on balances up to $250,000 for eligible customers
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $30 monthly fee
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
UFB Portfolio Savings - Earn up to 4.01% APY
- 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.
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.
UFB Portfolio Money Market - Earn up to 4.01% APY
- 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: North One 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 North One or Novo.
In short: North One's customer service is outstanding.
Articles on North One
NorthOne Review
Is NorthOne Safe
Articles on UFB Direct
UFB Direct Review
