UFB Direct vs US Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to US 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 US Bank has over 2,200 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

	UFB Direct	US Bank
	Member FDIC	Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER UFB Secure Savings - Earn up to 5.25% APY - Learn More Read UFB Direct Review	SPECIAL OFFER U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus - Learn More Read US Bank Review
	Benefits and Features
Savings	Up to 5.25% APY	0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.
CD	N/A	Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999.
Checking	N/A	Smartly Checking
Money Market	Up to 5.25% APY	0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Mobile App	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	more than 37,000 ATMs across the country
Customer Service	Mon - Fri: 8 am - 5 pm PT	24/7 Live Customer Service (Telephone)
IRA Money Market		Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	Online only	more than 2,000 branches across the country.
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
CD
Checking
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: Promo CD with high APY Free student account 24/7 customer service Cons: Low savings APY
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Big national bank with wide array of services and many account options... Read full review
	Visit Site	Visit Site
	UFB Secure Savings - Earn up to 5.25% APY UFB Secure Money Market - Earn up to 5.25% APY	U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus U.S. Bank Payment Solutions Platinum Business Money Market Account - 4.60% 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 04/11/2024. US Bank: Pricing information from published website as of 04/09/2024 based on 91107 zip code.

Member FDIC

U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus

Earn up to $700 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 27, 2024. Member FDIC.

Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

Enroll in online banking or the U.S. Bank Mobile App
Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

Earn up to $200 with a new Standard Savings account.

Make new money deposit(s) totaling $15,000 or more by July 17, 2024
Maintain that balance until October 31, 2024

Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

Learn More

Expires 6/27/2024

Member FDIC

U.S. Bank Payment Solutions

Accept payments online, in-store and on the go.
Swipe, tap, insert: 2.60% + 10¢
Key-in transaction: 3.50% + 15¢
Online payments: 2.90% + 30¢
Access funds quickly. With Everyday Funding feature, you can access your payments within hours, seven days a week.

Learn More

Member FDIC

Platinum Business Money Market Account - 4.60% APY

Receive a bonus interest rate of 4.50% (4.60% APY) from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities¹, subject to certain terms and limitations. Offer valid through June 5, 2024. Member FDIC. Complete these steps to earn the offer:

Open a new Platinum Business Money Market Account
Deposit $25,000 - $2,999,999.99 in new money deposits

Get Deal

Expires 6/5/2024

Which is Better: UFB Direct or US 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 Chase.

In short: UFB Direct's savings and money market are worth mentioning. In particular, the savings is outstanding. US Bank's customer service is notable.