UFB Direct vs Wealthfront

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Wealthfront? 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 Wealthfront has a low fee of 0.25% and a minimum of $500 to open an account. Wealthfront offers advanced planning tools to help provide a complete picture of your financial health and track your goals. However, there are no human advisors.

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

	Member FDIC	WealthfrontCIT BankWestern Alliance BankAcornsRobinhood
	Visit Site	Learn More
	UFB Direct	Wealthfront
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Wealthfront Cash Account - Learn More Read Wealthfront Review
	Benefits and Features
Savings	Up to 4.01% APY	5% APY Cash Management Account
CD	N/A
Checking	N/A
Money Market	Up to 4.01% APY
Mobile App	iOS & Android	Yes
	CreditDonkey® Reviews
Savings
Money Market
Mobile App
Customer Service
Annual Fee
Minimum Deposit
Investment Types
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: Minimal opening deposit & fees Advanced goal tracker Tax loss harvesting Cons: No human advisors No fractional shares
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Good robo-advisor for hands-off investor. Fees are low, but lack human advisors... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 4.01% APY UFB Freedom Checking & Savings - Unlock Up to 4.21% APY UFB Portfolio Money Market - Earn up to 4.01% APY	Wealthfront Cash Account
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 06/07/2025. Wealthfront: Pricing information from published website as of 04/20/2024.

Member FDIC

UFB Portfolio Savings - Earn up to 4.01% APY

Learn More

• Earn up to 4.01% 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 4.21% 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.

Learn More

Member FDIC

UFB Portfolio Money Market - Earn up to 4.01% APY

Learn More

• Earn up to 4.01% 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.

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UFB Direct Review

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