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. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Learn More | |
UFB Direct | Santander Bank | |
|---|---|---|
UFB Portfolio Savings - Earn up to 4.01% APY - | 6-Month CD - 4.00% APY - | |
Benefits and Features | ||
| Savings | 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 | 4.00% and 3.50% APY for 6 and 12 months, respectively. Minimum deposit of $500, with Santander Checking Account. | |
| Checking | ||
| Money Market | 0.03% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee. | |
| Mobile App | ||
| 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-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day) | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  |  |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| CD | | |
| Checking | | |
| Pros & Cons | Pros:
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| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | Northeastern bank with low requirements to waive fees... |
| Visit Site | Learn More | |
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. Santander Bank: Pricing information from published website as of 08/10/2025 based on 02109 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.
Which is Better: UFB Direct or Santander Bank?
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 Santander Bank
