UFB Direct vs Varo Bank
UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Varo Bank? Read our comparison chart below.
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| Visit Site | Learn More | |
UFB Direct | Varo Bank | |
|---|---|---|
UFB Portfolio Savings - Earn up to 3.26% APY - | Varo Bank Account - | |
Benefits and Features | ||
| Savings | 2.50% APY on all balances. Opportunity to earn 5.00% APY if your daily savings balance does not exceed $5,000 AND you make at least 5 Varo debit card purchases per month AND receive at least $1,000 in direct deposits in either the Varo Bank Account or Savings Account. | |
| CD | ||
| Checking | No monthly service fee; no minimum balance; no overdraft fees | |
| Monthly Fee | ||
| Money Market | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | over 40,000 fee-free AllPoint ATMs |
| Customer Service | Mon-Fri 8am - 9pm (ET) and Sat-Sun 11am to 7pm (ET) | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  | |
| Money Market |  | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | |
| 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 02/20/2026. Varo Bank: Pricing information from published website as of 12/10/2025. | ||
UFB Portfolio Savings - Earn up to 3.26% APY
- 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.
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.
UFB Portfolio Money Market - Earn up to 3.26% APY
- 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.
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.
Articles on UFB Direct
UFB Direct Review
UFB Direct Savings vs Money Market
Which Do You Think is Best?
Which Bank Account is Right for You?
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