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UFB Secure Savings: Earn

up to 5.25% APY
+97 Deal Score
212,253 Views
UFB Direct, our partner, offers the following benefits with their UFB Secure Savings account:
  • Earn up to 5.25% APY*.
  • No monthly maintenance fees.
  • No minimum deposit requirement
  • Complimentary ATM card
  • Digital tools for seamless remote banking
  • Free transfers between direct deposit accounts
Thanks to staff member EfficientGame645 for finding this deal.

Slickdeals may be compensated by UFB Direct
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Edited November 16, 2023 at 01:33 PM by
UFB Direct our partner, offers the following benefits with their UFB Secure Savings account:
  • Earn up to 5.25% APY*.
  • No monthly maintenance fees.
  • No minimum deposit requirement
  • Complimentary ATM card
  • Digital tools for seamless remote banking
  • Free transfers between direct deposit accounts

Slickdeals may be compensated by UFB Direct
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Created 08-11-2023 at 02:49 PM by EfficientGame645 | Staff
in Finance
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Deal
Score +97
212,253 Views
up to 5.25% APY
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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I have this account, started a few months ago. Only drawback I've found is that if/when they increase the interest rate on their accounts, you have to manually request an increase each time. I started at 5.03%, now requested an increase to 5.25%. I messaged them in the app at 4:53pm, they responded and updated my rate at 5:03pm (exactly 10 min). I'm ok doing a couple minutes worth of work a couple/few times a year to maintain the highest percentage. Works exactly as promised otherwise, great rates.
·
As per their website FAQ...

The dollar limits at funding are:

Maximum to transfer in: $250,000.00

The dollar limits after your account is funded are:

Maximum per day in or out $30,000.00 

Maximum per month $60,000.00

You may not make funds transfers in excess of limits described on the External Bank Transfer service.

We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our service.

https://www.ufbdirect.com/Support/faqs
·
I had the same experience today. Happened to check my account and found that my 5.09% rate had been downgraded to 4.5%. I spoke to CS on the phone and they raised my rate to 5.25%. I asked what the deal was with lowering my interest rate when rates are rising -- including the rates they offer new customers. He said that I just have to check my account every week or so to see if they do it again!

So basically, this is a great account for folks willing to call them on their BS. Apparently enough customers don't do that to make it worthwhile for them to play games like this.
·

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Joined May 2019
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BullittEV
08-11-2023 at 02:52 PM.
08-11-2023 at 02:52 PM.
Do they have any limitations to withdrawing?
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Joined Oct 2013
All u need is ❤️
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freshsqueezed
08-11-2023 at 03:20 PM.

Our community has rated this post as helpful. If you agree, why not thank freshsqueezed

08-11-2023 at 03:20 PM.
Quote from BullittEV :
Do they have any limitations to withdrawing?
As per their website FAQ...

The dollar limits at funding are:

Maximum to transfer in: $250,000.00

The dollar limits after your account is funded are:

Maximum per day in or out $30,000.00 

Maximum per month $60,000.00

You may not make funds transfers in excess of limits described on the External Bank Transfer service.

We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our service.

https://www.ufbdirect.com/Support/faqs
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Last edited by freshsqueezed August 11, 2023 at 03:23 PM.
Joined May 2019
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> bubble2 37 Posts
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BullittEV
08-11-2023 at 04:46 PM.
08-11-2023 at 04:46 PM.
Quote from freshsqueezed :
As per their website FAQ...

The dollar limits at funding are:

Maximum to transfer in: $250,000.00

The dollar limits after your account is funded are:

Maximum per day in or out $30,000.00 

Maximum per month $60,000.00

You may not make funds transfers in excess of limits described on the External Bank Transfer service.

We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our service.

https://www.ufbdirect.com/Support/faqs
Thanks, too bad.
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Joined Aug 2009
All deals all day
> bubble2 4,264 Posts
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madrascaldavid
08-11-2023 at 05:11 PM.

Our community has rated this post as helpful. If you agree, why not thank madrascaldavid

08-11-2023 at 05:11 PM.
I have this account, started a few months ago. Only drawback I've found is that if/when they increase the interest rate on their accounts, you have to manually request an increase each time. I started at 5.03%, now requested an increase to 5.25%. I messaged them in the app at 4:53pm, they responded and updated my rate at 5:03pm (exactly 10 min). I'm ok doing a couple minutes worth of work a couple/few times a year to maintain the highest percentage. Works exactly as promised otherwise, great rates.
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Last edited by madrascaldavid August 11, 2023 at 05:16 PM.
Joined Dec 2011
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nevergoodenough
08-11-2023 at 05:32 PM.

Our community has rated this post as helpful. If you agree, why not thank nevergoodenough

08-11-2023 at 05:32 PM.
I have no idea why people have an issue with UFB. I opened an account back in March and haven't had any issues. I get paid every month and I have called axos bank quite a few times regarding my account and got English speaking professional help. Also never had an issue with large money transfers initiated from an external account. Transfered 25k in one day.

This account makes more money than my capital one CD and that money is tied up for like 8 months to go.
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BullittEV
08-11-2023 at 05:41 PM.
08-11-2023 at 05:41 PM.
Quote from nevergoodenough :
I have no idea why people have an issue with UFB. I opened an account back in March and haven't had any issues. I get paid every month and I have called axos bank quite a few times regarding my account and got English speaking professional help. Also never had an issue with large money transfers initiated from an external account. Transfered 25k in one day.

This account makes more money than my capital one CD and that money is tied up for like 8 months to go.
Doesnt work for people like me where I want access to all of my cash immediately (house down payment). Still using PNC @ 4.65% for that reason.
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rhaug
08-11-2023 at 08:20 PM.
08-11-2023 at 08:20 PM.
Quote from BullittEV :
Doesnt work for people like me where I want access to all of my cash immediately (house down payment). Still using PNC @ 4.65% for that reason.

Where did you get 4.65% from PNC on a savings? I have PNC also but keep the bulk of my money in UFB for the better rate.
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Joined Nov 2017
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oharag1
08-12-2023 at 04:32 AM.
08-12-2023 at 04:32 AM.
Quote from rhaug :
Where did you get 4.65% from PNC on a savings? I have PNC also but keep the bulk of my money in UFB for the better rate.
Quote from freshsqueezed :
As per their website FAQ...

The dollar limits at funding are:

Maximum to transfer in: $250,000.00

The dollar limits after your account is funded are:

Maximum per day in or out $30,000.00 

Maximum per month $60,000.00

You may not make funds transfers in excess of limits described on the External Bank Transfer service.

We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our service.

https://www.ufbdirect.com/Support/faqs
what about limit on transactions per month. My Discovey Money Market account limits transactions to just 6. Supposedly these rules for MM were suspended during Covid. Though Discovery still will penalize you for more than 6.

does Ufb also offer check writing? I do have check writing with Discovery.
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Joined Jun 2010
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> bubble2 1,197 Posts
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incarnate
08-12-2023 at 08:44 AM.
08-12-2023 at 08:44 AM.
Quote from nevergoodenough :
I have no idea why people have an issue with UFB. I opened an account back in March and haven't had any issues. I get paid every month and I have called axos bank quite a few times regarding my account and got English speaking professional help. Also never had an issue with large money transfers initiated from an external account. Transfered 25k in one day.

This account makes more money than my capital one CD and that money is tied up for like 8 months to go.
You shouldn't be limited from removing all of your money in a month if you want.
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phoneman63
08-12-2023 at 10:21 AM.
08-12-2023 at 10:21 AM.
Quote from oharag1 :
what about limit on transactions per month. My Discovey Money Market account limits transactions to just 6. Supposedly these rules for MM were suspended during Covid. Though Discovery still will penalize you for more than 6.

does Ufb also offer check writing? I do have check writing with Discovery.
No checking writing. No checking accounts at all. Frown
No limit on the number of transactions. Smilie
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oharag1
08-12-2023 at 01:27 PM.
08-12-2023 at 01:27 PM.
Quote from phoneman63 :
No checking writing. No checking accounts at all. https://static.slickdealscdn.com/ima...lies/frown.gif
No limit on the number of transactions. https://static.slickdealscdn.com/ima...lies/smile.gif
they have a hy savings and a hy money market. It seems like hy MM allows check writing. But no info on limits for transaction on MM. I wonder what is difference between savings and MM. I click on compare differences but there really not much info.
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Joined Nov 2017
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> bubble2 468 Posts
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oharag1
08-12-2023 at 01:31 PM.
08-12-2023 at 01:31 PM.
Quote from oharag1 :
they have a hy savings and a hy money market. It seems like hy MM allows check writing. But no info on limits for transaction on MM. I wonder what is difference between savings and MM. I click on compare differences but they're really not much info.
okay there maybe fees for MM

Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
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Joined Nov 2016
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Gbeirn
08-13-2023 at 04:30 AM.
08-13-2023 at 04:30 AM.
Had an account I opened back in March, just chatted and had the rate increased to reflect current rates. Super easy and took less than 5 min, thanks!
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