Relay vs UFB Direct
Relay is an one of the best online business banking accounts for large teams. How does it compare to UFB Direct? Read our comparison chart below.
Relay lets you open up to 20 individual business checking accounts and 50 debit cards at no extra charge. There's also free cash deposits and free mailed checks through the app. There's no monthly fee.
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 Relay with UFB Direct, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
Relay | UFB Direct | |
|---|---|---|
No-Fee Business Checking - | UFB Portfolio Savings - Earn up to 3.26% APY - | |
Benefits and Features | ||
| Savings | Earn up to 2.68% APY. Earn 0.91% APY on Starter Plan, 1.55% APY on Grow Plan, and 2.68% APY on Scale Plan. | |
| CD | ||
| Checking | Up to 20 individual business checking accounts; no monthly fees; no overdraft fees | |
| Monthly Fee | ||
| Money Market | ||
| APY | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ACH Transfer Fee | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | |
| Balance Requirement | ||
| Cash Deposit Fee | $0 for cash deposits at Allpoint ATMs | |
| Customer Service | Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday | |
| Incoming Wire Transfer Fee | ||
| Locations | ||
| Out of Network ATM Fee | ||
| Outgoing Wire Transfer Fee | $8 for domestic; $5 (Local Network), $25 (SWIFT Network) for international | |
| Overdraft Fee | ||
CreditDonkey® Reviews | ||
| | |
| Checking |  | |
| Fees | | |
| Mobile App |  | |
| Customer Service |  | |
| Savings | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | One of the best online business banking accounts for large teams... | 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. UFB Direct: Pricing information from published website as of 02/20/2026. | ||
No-Fee Business Checking
- $0 monthly service fee
- $0 minimum opening deposit
- Open up to 20 individual business checking accounts
- Earn up to 2.68% APY with automated savings
- Issue up to 50 Visa® debit cards to your team
25% Discount on Scale Plan
Get Scale Plan for $90/month instead of $120/month. This offer is for a limited time only and may change without notice.
UFB Portfolio Savings - Earn up to 3.26% APY
- Earn up to 3.26% 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 3.46% 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 3.26% APY
- Earn up to 3.26% 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: Relay 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 Relay or Novo.
Articles on Relay
Relay Financial Review
Articles on UFB Direct
UFB Direct Review
