UFB Direct vs Bank of America

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Bank of America? Read our comparison chart below.

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.

While Bank of America is one of the largest banks in the U.S. with approximately 3,700 locations and 15,000 ATMs. It is known for good customer service with extended hours. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge.

Compare UFB Direct with Bank of America, side-by-side. Read on for an in-depth look, including ratings and reviews.

	UFB DirectCIT BankWestern Alliance Bank Member FDIC	Member FDIC
	Learn More	Learn More
	UFB Direct	Bank of America
	SPECIAL OFFER UFB Freedom Checking - 2.00% APY - Learn More Read UFB Direct Review	OFFER Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer Read Bank of America Review
	Benefits and Features
Savings	Up to 3.26% APY	Bank of America Advantage Savings Standard Rate: 0.01% APY
CD	N/A	7-Month CD - 3.51% APY 10-Month CD - 2.95% APY 13-Month CD - 2.00% APY 25-Month CD - 1.75% APY 37-Month CD - 0.11% APY 1-Month CD - 0.03% APY 120-Month CD - 0.03% APY
Checking	N/A
Money Market	Up to 3.26% APY
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Approximately 15,000+ ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT	Monday -Friday: 8AM - 9PM ET Saturday: 9AM - 6PM ET Sunday: 8AM - 5PM ET
IRA CD
Locations	Online only	3,700 financial centers
	CreditDonkey® Reviews
Savings
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Read full review
	Learn More	Learn More
	UFB Freedom Checking - 2.00% APY UFB Freedom Checking & Savings - Unlock Up to 3.46% APY UFB Portfolio Money Market - Earn up to 3.26% APY
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 07/26/2026. Bank of America: Pricing information from published website as of 09/07/2026 based on 91107 zip code.

Member FDIC

Bank of America Advantage Plus Banking® - Up to $500 Bonus Offer

Learn More

• New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
• Bank of America N.A. Member FDIC.

Member FDIC

Bank of America Advantage Relationship Banking® - Up to $500 Bonus Offer

Learn More

• New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. See offer page for more details
• Bank of America N.A. Member FDIC.

Member FDIC

Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer

Learn More

• New checking customers only: Get a $100 bonus offer after completing qualifying transactions. See offer page for more details
• Bank of America N.A. Member FDIC.

Which is Better: UFB Direct or Bank of America?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing UFB Direct or CIT Bank.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

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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.

Articles on Bank of America

Bank of America Review

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How to Close a Bank of America Account

Want to close your Bank of America account? Learn how and what you need to do before you close your account.

Bank of America Hours

Bank of America is open 5-6 days a week, depending on the location. Take a look at their business hours below.

Bank of America Routing Number

Find your Bank of America routing number and learn about money transfers in our guide.

Which Do You Think is Best?