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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 Priority Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Priority Money Market has balance requirements but offers check-writing privileges.

While Wells Fargo is one of America's largest banks with over 4,500 locations and approximately 11,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had 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.

 UFB Direct
Member FDIC
 Learn MoreLearn More
 

UFB Direct

Wells Fargo

SPECIAL OFFER
UFB Secure Savings - Earn up to 5.25% APY - Learn More

Read UFB Direct Review

SPECIAL OFFER
Personal Checking Account - $2,500 Bonus - Learn More

Read Wells Fargo Review

 

Benefits and Features

Savings
Up to 5.25% APY
0.15% 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
N/A
Standard Fixed Term CD available online: 1.50% to 4.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 4.51% APY if you maintain a linked Portfolio by Wells Fargo relationship. More CD terms are available in branch.
Checking
N/A
Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
Money Market
Up to 5.25% APY
Also known as the Platinum Savings Account. 0.25% - 2.50% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 2.51% requires account linked to Portfolio by Wells Fargo relationship.
Mobile App
iOS & Android
 
ATMsFree withdrawals at 91,000 ATMs across the nationapproximately 11,000 ATMs across the country
Customer Service
Mon - Fri: 8 am - 5 pm PT
Available 24 hours a day, 7 days a week.
IRA CD Standard Term CD: 0.01% to 4.50% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 4.51% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market Also known as Retirement High Yield Savings. 0.25% - 2.50% APY. $100 minimum opening deposit.
Locations
Online only
Approximately 4,500+ retail banking branches coast to coast.
 

CreditDonkey® Reviews

 UFB Direct
SavingsStarStarStarStarStarStarStarEmpty StarEmpty StarEmpty Star
Money MarketStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
CDStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarHalf Star
Pros & ConsPros:
  • Competitive APYs
  • Easy online banking
Cons:
  • Limited transactions
  • No physical locations
Pros:
  • Low requirements for Everyday Checking
  • Full service bank
  • 24/7 customer service
Cons:
  • Low savings rates
  • Not in all states
Bottom LineSafe digital bank for high APYs on personal savings and MMAs... Read full reviewA "big 4" bank with a good range of checking accounts and full services... Read full review

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 03/16/2024.

Wells Fargo: Pricing information from the published website as of 03/29/2024 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 Chase.

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 offers high interest rates. But is it a safe choice? Find out in this review.

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best.

Articles on Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

Wells Fargo High Yield Savings Review

Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.

Wells Fargo Bank CD Rates

Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.

Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

Which Do You Think is Best?





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