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 Priority Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Priority 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.

	UFB Direct	Capital One

	Visit Site	Learn More
	SPECIAL OFFER UFB High Yield Savings - Earn up to 5.25% APY - Learn More Read UFB Direct Review	SPECIAL OFFER 360 Performance Savings - 4.30% APY - Learn More Read Capital One Review
	Benefits and Features
Savings	Up to 5.25% APY	4.30% APY
CD	N/A	4.30% to 5.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.00%
Checking	N/A	0.10% APY
Money Market	Up to 5.25% APY
Customer Service	Mon - Fri: 8 am - 5 pm PT	Mon-Sun: 8am - 11pm (ET)
Mobile App	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Over 70,000 no-fee Capital One & Allpoint ATMs
Locations	Online only	Online Only
	CreditDonkey® Reviews

Savings
Money Market
Customer Service
Mobile App
Checking
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
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 High Yield Savings - Earn up to 5.25% APY UFB High Yield Money Market - Earn up to 5.25% APY	360 Performance Savings - 4.30% APY Personal Checking Account - $350 Bonus 360 Checking Account
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 09/05/2023 Capital One: Pricing information from published website as of 09/09/2023.

Member FDIC

UFB High Yield Savings - Earn up to 5.25% APY

Learn More

Earn up to 5.25% 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

Member FDIC

UFB High Yield Money Market - Earn up to 5.25% APY

Learn More

Earn up to 5.25% APY*
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
Enjoy peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.

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 Chase.

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