UFB Direct vs Wells Fargo
UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with approximately 4,100 locations and more than 11,000 ATMs. Offers many checking options, including Everyday Checking and Clear Access Banking for those who have financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.
Compare UFB Direct with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Learn More | |
UFB Direct | Wells Fargo | |
|---|---|---|
UFB Portfolio Savings - Earn up to 4.01% APY - | Personal Checking Account - $125 Bonus | |
Benefits and Features | ||
| Savings | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. | |
| CD | Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch. | |
| Checking | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking | |
| Money Market | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | 11,000+ ATMs across the country |
| Customer Service | Available 24 hours a day, 7 days a week. | |
| IRA CD | Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. | |
| Locations | approximately 4,100 retail banking branches coast to coast | |
CreditDonkey® Reviews | ||
| | |
| Savings |  |  |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| CD | | |
| Checking | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | A "big 4" bank with a good range of checking accounts and full services... |
| 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 04/18/2025. Wells Fargo: Pricing information from the published website as of 05/09/2025 is based on the 91101 zip code. | ||
Which is Better: UFB Direct or Wells Fargo?
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 is outstanding. Wells Fargo's customer service is worth mentioning.
Articles on UFB Direct
UFB Direct Review
UFB Direct Savings vs Money Market
Articles on Wells Fargo
Wells Fargo Bank Review
Wells Fargo Checking Account Bonus
Wells Fargo High Yield Savings Review
Wells Fargo Bank CD Rates
Wells Fargo Bank Hours
