UFB Direct vs Chime
UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Chime? Read our comparison chart below.
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| Visit Site | Learn More | |
UFB Direct | Chime | |
|---|---|---|
UFB Portfolio Savings - Earn up to 3.51% APY - | Get Started - | |
Benefits and Features | ||
| Savings | 1.25% Annual Percentage Yield (APY).
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| CD | ||
| Checking | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees | |
| Monthly Fee | ||
| Money Market | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs |
| Customer Service | ||
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  | |
| Money Market |  | |
| Mobile App |  | |
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| Checking | | |
| Pros & Cons | Pros:
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| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | Banking app that offers an online account with early paycheck access and credit builder features... |
| Visit Site | Learn More | |
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 10/30/2025. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. | ||
UFB Portfolio Savings - Earn up to 3.51% APY
- Earn up to 3.51% 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 3.71% 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 3.51% APY
- Earn up to 3.51% 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: UFB Direct or Chime?
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 Savings vs Money Market
Articles on Chime
Chime Review
Chime Locations
