UFB Direct vs Santander Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Santander Bank? 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 Santander Bank has over 600 branches in the Northeast. Offers a range of checking and savings accounts, with simple requirements to waive service fees. High balance customers can earn higher interest. Their CDs offer high a APY with $500 minimum opening deposit.

Compare UFB Direct with Santander Bank, side-by-side.

	UFB Direct	Santander Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 3.76% APY - Learn More Read UFB Direct Review	SPECIAL OFFER 6-Month CD - 4.00% APY - Learn More
	Benefits and Features
Savings	Up to 3.76% APY	0.03% APY. $25 Minimum opening deposit. $1 monthly fee, unless 1) You have a Santander Checking Account, or have 2) $100 average daily balance in your savings account.
CD	N/A	3.00%, 4.00% and 3.50% APY for 3, 6 and 12 months, respectively. Minimum deposit of $500, with Santander Checking Account.
Checking	N/A
Money Market	Up to 3.76% APY	0.03% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.
Mobile App	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations
Customer Service	Mon - Fri: 8 am - 5 pm PT	Mon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)
Locations	Online only	405 branches in the US
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 3.76% APY UFB Freedom Checking & Savings - Unlock Up to 3.96% APY UFB Portfolio Money Market - Earn up to 3.76% APY	6-Month CD - 4.00% APY 12-Month CD - 3.50% APY Personal Checking Account - $400 Bonus
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 10/01/2025. Santander Bank: Pricing information from published website as of 10/09/2025 based on 02109 zip code.

Member FDIC

UFB Portfolio Savings - Earn up to 3.76% APY

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Earn up to 3.76% 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 3.96% 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.

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Member FDIC

UFB Portfolio Money Market - Earn up to 3.76% APY

Learn More

Earn up to 3.76% 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.

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.