UFB Direct vs Capital One

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Capital One? 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 Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

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

	Member FDIC	Capital OneCIT BankWestern Alliance BankChaseDiscover BankBank of AmericaWells Fargo
	Visit Site	Learn More
	UFB Direct	Capital One
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	Up to 4.01% APY	3.60% APY
CD	N/A	3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
Checking	N/A	0.10% APY
Money Market	Up to 4.01% APY
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT	Phone: 800-655-2265 Monday - Sunday: 8AM - 11PM (ET)
Locations	Online only	263 branches
	CreditDonkey® Reviews
Savings
Money Market
Mobile App
Customer Service
Checking
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: Overdraft protection options No account minimums Over 50 cafes for in-person support Cons: Other banks have higher APY
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	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	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Checking Account - $300 Bonus
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 04/18/2025. Capital One: Pricing information from published website as of 04/10/2025.

Which is Better: UFB Direct or Capital One?

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.

In short: UFB Direct's savings is outstanding. Capital One's customer service is worth mentioning.

Articles on UFB Direct

UFB Direct Review

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

• UFB Direct vs CIT Bank
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• UFB Direct vs Ally Bank

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.

• UFB Direct vs Bask Bank
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Articles on Capital One

Capital One 360 Review

Capital One 360 offers free checking and savings accounts with competitive APY rates. Does it live up to its claims? Find out if it's right for you.

• Capital One vs Chase
• Capital One vs Discover Bank
• Capital One vs Bank of America

Capital One Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

• Capital One vs Wells Fargo

Capital One Savings Account Bonus

Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.

Capital One CD Rates

Interested in Capital One 360 CDs? Here are their rates and how to open one.

Capital One High Yield Savings

Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.

Capital One Checking Account Bonus

Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Which Do You Think is Best?

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