UFB Direct vs Current

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Current? 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 Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.

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

	UFB Direct	Current
	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER UFB Freedom Checking - 2.00% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review
	Benefits and Features
Savings	Up to 3.26% APY	Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000
CD	N/A
Checking	N/A	Earn up to 15x points on purchases at participating merchants
Monthly Fee		$0
Kids Debit Card
Money Market	Up to 3.26% APY
Minimum Deposit to Open		$0
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Free access to 40,000+ Allpoint ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT
Locations	Online only
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
Minimum Deposit
Checking
Price
Ease of Use
Education
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: High savings rate Up to 15x cash back at 14k stores Ability to deposit cash Cons: No web platform Email-based support only Requires direct deposit to earn the boosted bonus
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Simple, digital-only banking app with impressive bonus and cashback... Read full review
	Learn More	Visit Site
	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	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive
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 04/28/2026. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Build Credit While You Bank

Get Paid Up to 2 Days Faster
Build credit and earn points with every swipe
40,000 fee-free Allpoint ATMs in the U.S.
No credit check, minimum balance or hidden fees

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Current Savings - Up to 4.00% bonus

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4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
Simply add money to your Savings Pods and enable the Boost feature.
Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
Bonuses accumulate daily.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Fee-Free Overdraft up to $200 with Overdrive

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Which is Better: UFB Direct or Current?

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.