UFB Direct vs KeyBank
UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to KeyBank? 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 KeyBank has over 1,000 branches in 15 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.
Compare UFB Direct with KeyBank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
UFB Direct | KeyBank | |
|---|---|---|
UFB Portfolio Savings - Earn up to 4.01% APY - | Key Select Checking® - $500 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account). | |
| CD | Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. | |
| Checking | ||
| Money Market | 2.03% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account. | |
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | 40,000+ KeyBank and Allpoint ATMs nationwide |
| Customer Service | Telephone Service available 24/7 | |
| Locations | 1,000+ branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington. | |
CreditDonkey® Reviews | ||
| | |
| Savings |  |  |
| Money Market | |  |
| Mobile App | | |
| Customer Service | | |
| CD | | |
| Checking | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | Bank with a variety of deposit products and great financial tools... |
| 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 08/21/2025. KeyBank: Pricing information from published website as of 08/26/2025 based on 44114 zip code. | ||
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.
Key Select Checking® - $500 Bonus
- Open a Key Select Checking® account online by December 19, 2025.
- Make the minimum opening deposit of $50, plus a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $500 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by December 19, 2025.
- Make the minimum opening deposit of $10, plus a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
KeyBank Hassle-Free Account® - $300 Bonus
- Open a KeyBank Hassle-Free Account® online by December 19, 2025.
- Make the minimum opening deposit of $10, plus a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Which is Better: UFB Direct or KeyBank?
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 and money market are worth mentioning. In particular, the savings is outstanding.
Articles on UFB Direct
UFB Direct Review
UFB Direct Savings vs Money Market
Articles on KeyBank
KeyBank Review
