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.
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| Visit Site | Visit Site | |
UFB Direct | Current | |
|---|---|---|
UFB Portfolio Savings - Earn up to 4.01% APY - | Build Credit While You Bank - | |
Benefits and Features | ||
| Savings | Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000 | |
| CD | ||
| Checking | Earn up to 15x points on purchases at participating merchants | |
| Monthly Fee | ||
| Kids Debit Card |  | |
| Money Market | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | Free access to 40,000+ Allpoint ATMs |
| Customer Service | ||
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  |  |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| Minimum Deposit | | |
| Checking | | |
| Price | | |
| Ease of Use | | |
| Education | | |
| Pros & Cons | Pros:
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| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | Simple, digital-only banking app with impressive bonus and cashback... |
| Visit Site | Visit Site | |
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 06/07/2025. 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. | ||
UFB Portfolio Savings - Earn up to 4.01% APY
- Earn up to 4.01% 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 4.21% 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 4.01% APY
- Earn up to 4.01% 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.
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 Savings - Up to 4.00% bonus
- 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.
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.
Articles on UFB Direct
UFB Direct Review
UFB Direct Savings vs Money Market
Articles on Current
