UFB Direct vs Synchrony Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Synchrony 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 Synchrony Bank offers high interest savings with an ATM card for easy withdrawals. There is no minimum deposit. Their CDs require a $2,000 minimum deposit to open. There are no service fees for any products.

Compare UFB Direct with Synchrony Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	UFB Direct	Synchrony Bank
	Member FDIC
	Visit Site	Learn More
	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 Synchrony Bank Review
	Benefits and Features
Savings	Up to 3.26% APY	3.50% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle
CD	N/A	0.25% to 4.00% APY. Terms of 3 months to 5 years. No minimum deposit to open.
Checking	N/A
Money Market	Up to 3.26% APY	2.00% APY. No monthly service fee and no minimum deposit.
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Any ATMs with Plus or Accel logos
Customer Service	Mon - Fri: 8 am - 5 pm PT	Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
IRA CD		0.25% to 3.70% APY. Terms of 3 months to 5 years. No minimum deposit to open.
IRA Money Market		2.00% APY.
Locations	Online only	Online Only
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: Savings with ATM card High APY All balance tiers receive same rate Cons: No checking account Limited customer service hours
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Good online bank offering high interest rates... Read full review
	Visit Site	Learn More
	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 Money Market - 2.00% APY Certificate of Deposit
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 02/20/2026. Synchrony Bank: Pricing information from published website as of 04/07/2026.

Member FDIC

UFB Portfolio Savings - Earn up to 3.26% APY

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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.

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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 Synchrony 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.