UFB Direct vs Quontic

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Quontic? Read our comparison chart below.

	Member FDIC	Member FDIC
	Visit Site	Visit Site
	UFB Direct	Quontic
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 3.26% APY - Learn More Read UFB Direct Review	SPECIAL OFFER High Yield Savings - 3.50% APY - Learn More Read Quontic Review
	Benefits and Features
Savings	Up to 3.26% APY	High Yield Savings: 3.50% APY
CD	N/A	3.00% to 3.75% APY; $500 minimum
Checking	N/A	High Interest Checking: Up to 1.10% APY Cash Rewards Checking: 1.00% cashback
Money Market	Up to 3.26% APY	4.10% APY
Mobile App	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation
Customer Service	Mon - Fri: 8 am - 5 pm PT
Locations	Online only	Online only
	CreditDonkey® Reviews
Savings
Money Market
Mobile App
Customer Service
Checking
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: No monthly service fee High interest rate Cons: Basic mobile app $5/mo inactivity fee
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Innovative digital bank offering checking accounts with high rewards... Read full review
	Visit Site	Visit Site
	UFB Portfolio Savings - Earn up to 3.26% APY UFB Freedom Checking & Savings - Unlock Up to 3.46% APY UFB Portfolio Money Market - Earn up to 3.26% APY	High Yield Savings - 3.50% APY High Interest Checking - Up to 1.10% APY CD Rates - Up to 3.75% APY
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 1/5/2026 Quontic: Pricing information from published website as of 01/01/2026.

Member FDIC

UFB Portfolio Savings - Earn up to 3.26% APY

Learn More

• Earn up to 3.26% 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.

Member FDIC

UFB Freedom Checking & Savings - Unlock Up to 3.46% 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.

Learn More

Member FDIC

UFB Portfolio Money Market - Earn up to 3.26% APY

Learn More

• Earn up to 3.26% 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 Quontic?

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. Quontic's customer service is notable.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

• UFB Direct vs CIT Bank
• UFB Direct vs Axos Bank
• UFB Direct vs Ally Bank

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best. Get a higher rate today.

• UFB Direct vs Bask Bank
• UFB Direct vs Wealthfront
• UFB Direct vs Western Alliance Bank

Articles on Quontic

Quontic Bank Review

Quontic Bank aims to provide a better experience (and rewards) for those underserved by traditional banks. Review the rates, fees, and customer reviews.

Which Do You Think is Best?