Identity Theft: How to Prevent It & How to Repair the Damage
In 2017, identity theft cost Americans a total of $5.1 billion in losses. Learn what steps you can do to protect yourself and repair the damage.
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.
Move money instantly between your Portfolio Savings and Freedom Checking accounts.
When you open a Freedom Checking account with a Portfolio Savings account, you can get up to 4.51% APY.**
Skip the monthly maintenance fees and minimum deposit requirements.
See how your savings and checking accounts can work together to give you an APY of up to 4.51%** – while you also receive the individual benefits of each account.
Feel secure about your financial future, and watch your money grow.
No monthly maintenance fees.
No minimum deposit required to open an account.
FDIC insurance up to the maximum allowance limit.
Earn 2.00% APY* in your checking account, 25x the national average†
Fewer account fees
Over 90,000 fee-free ATMs
Boost your savings APY by up to 0.20%**
Open a Freedom Checking and Portfolio Savings bundle with just one application. Follow these steps to start earning up to 4.51% APY**:
Complete your application for the bundle.
Sign in online or in the mobile app.
Add money to your accounts.
It’s easy!
Follow these steps to get your boost.
Open a UFB Freedom Checking account and set up direct deposits that total $5,000 monthly to unlock a 0.05% APY** increase on your savings or money market account.
Get an additional 0.10% APY** boost on your savings or money market account when you maintain a minimum balance of $10,000.
Earn an extra 0.05% APY** boost when you make 10 approved debit card transactions per statement cycle.
Balance Tiers | APY* | Rate |
---|---|---|
$0-$9,999.99 | 4.31% | 4.22% |
$10,000 to $24,999.99 | 4.31% | 4.22% |
$25,000 to $49,999.99 | 4.31% | 4.22% |
$50,000 to $99,999.99 | 4.31% | 4.22% |
$100k or greater | 4.31% | 4.22% |
UFB Direct is known for market-leading rates, but we also provide:
Instant, hassle-free transfers between UFB Direct accounts.
Online account access available 24/7.
Access to over 90,000 ATMs.
Fewer fees.
Checking rates 25x the national average.†
We regularly monitor all accounts for potential fraud and use anti-virus protection to help us detect and prevent viruses. Our firewalls help block unauthorized access by individuals or networks.
Our Secure Socket Layer (SSL) 128-bit encryption creates a secure connection with your browser when you log in or fill out an application.
We automatically log you out of your secure session after a period of inactivity to protect against unauthorized users.
Balance | APY* | Rate |
---|---|---|
$0 to $1,999.99 | 2.00% | 1.98% |
$2,000 to $9,999.99 | 2.00% | 1.98% |
$10,000 to $24,999.99 | 2.00% | 1.98% |
$25,000 to $49,999.99 | 2.00% | 1.98% |
$50,000 to $99,999.99 | 2.00% | 1.98% |
$100k or greater | 2.00% | 1.98% |
Opening a checking account online is similar to opening one in person. Simply select the bank you’d like an account with and follow their account opening instructions. You’ll need to fill out an online application.
It depends on the account you open, but typically you’ll need a valid ID and your social security number.
Yes. Checking accounts are deposit products and therefore are insured up to $250,000 individually and $500,000 joint. If you need more coverage, explore our InsureGuard+ option for expanded FDIC insurance.
Direct deposit works by having your employer deposit your paycheck directly into a bank account instead of giving you a paper check to deposit yourself. Typically, direct deposit is a safer and faster way to receive your paycheck.
A Freedom Checking account is a checking account that provides debit card access to funds. When combined with a Portfolio Savings account, a Freedom Checking account can boost your savings rate up to 0.20%**.
A Portfolio Savings account is a savings accounts that offers up to 4.31% APY* alone and when combined with a Freedom Checking account, it offers up to 4.51% APY**.
When you open a Freedom Checking account with a Portfolio Savings account and follow the instructions above, you can earn up to a 0.20% APY** boost.
In 2017, identity theft cost Americans a total of $5.1 billion in losses. Learn what steps you can do to protect yourself and repair the damage.
Learn six ways to teach effective internet safety and protect your child from identity theft.
The simplest way to grow your savings is to set up an automatic transfer from your checking account to your savings account.