How do I report a lost or stolen ATM/Debit card?

You may report your UFB Direct ATM/Debit card lost or stolen in one of the following ways:

  • Phone - contact Customer Service at 1-877-472-9200.
  • Secure message. Log into account, click on the Contact Us tab and then click on Click here to send an email.

How do I change my contact details?

A change to your contact details may be completed in one of the following ways:

  • Secure Form – log into your account, click on the Secure Forms tab, click on Change of Contact Details, enter the new information and then click on Submit.
  • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email link. Please include all of the updated contact information in your email.
  • Phone – contact Customer Service at 1-877-472-9200.
  • Fax – send instructions, containing a signature, to 1-858-350-0443.
  • USPS – send instructions, containing a signature, to:

    UFB Direct
    P.O. Box 509127
    San Diego, CA 92150-9948

Why did I receive an email that a hold has been placed on my check?

Regulation CC requires financial institutions to inform a customer when a check hold has been placed. UFB Direct may delay the availability to funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. The email notice states when the funds will be available. Refer to the .

How do I activate my ATM or Debit card?

You may activate your ATM or Debit card by:

  • Calling the automated telephone system any time of day at 1-877-472-9200
  • Using it in an ATM machine
  • Phone - contact Customer Service at 1-877-472-9200.

What are the transaction limits on my Savings account or Money Market account?

Savings and Money Market Accounts have a maximum combined total of six (6) debit transactions per monthly statement cycle, subject to available balance. This limitation excludes ATM debit transactions, in-person debit transactions and all credit transactions.

An Excess Transaction or Withdrawal Fee will apply.

What is the routing and transit number for UFB Direct?

To set up direct deposits or send a wire to your account use the UFB Direct routing and transit number: 122287251

How long of a hold will be placed on my check?

The hold time is set out in the email notifying you of the hold. Refer to the Funds Availability Policy.

How can I withdraw funds from my Savings Account?

The UFB Direct Savings Account is a true savings account that does not have the range of options to move money like, say a checking account. The options to withdraw funds from your Savings Account are:

  • Use your ATM card at an ATM machine.
  • Initiate a transfer of money from another Financial Institution.
  • Initiate a wire transfer (Wire Transfer Form)

How do I deposit cash?

Cash deposits are only accepted at our institution in San Diego, CA

What are the early withdrawal penalties for your CDs?

The CD early redemption fees may be found in our Truth and Savings Disclosure.

I am traveling and cannot contact you using your toll-free number. How can I reach you internationally?

We understand how important it is to be able to contact UFB Direct by phone while traveling. ​You may contact UFB Direct by dialing our direct phone number, 858-350-6200 and pressing 0; this number is accessible via international long distance providers. You may use this number to access your accounts or report a lost card via automated phone banking. If you need to speak with a representative, Customer Service is available to assist you.

What are the fees for using my card in another country?

There is a 2% transaction fee for all International Point of Sale (POS) transactions and ATM withdrawals. However, there could be additional fees charged by the merchant or ATM.

Should I notify the Bank of my travel plans?

Yes! By notifying the Bank of your travel arrangements, UFB Direct can monitor your account for suspicious activities while you are away for your protection.

When can I expect my Airline Miles to be credited to my account?

Miles/Points will be applied to your designated participating airline membership account within 60 days after the end of each month. For example, if you made transactions in January, you should expect to see the miles reflect by the end of March.

Where can I view the Airline Miles I have earned?

Awarded miles can be reviewed on your airline rewards provider’s website.

What type of transaction is required to earn miles? Credit or Debit?

Both Debit (PIN-based) transactions and Credit (Signature based) transactions are eligible to earn miles/points for your designated participating airline membership account.

Can I see the miles I’ve earned on my monthly UFB Direct statement?

Awarded miles are not available on the UFB Direct statement. Please visit your airline rewards provider’s website to review any miles that have been awarded.

How do I redeem my miles?

You contact your airline rewards provider directly.

Account Changes

How do I add someone to my account?

Adding a signer to your account will be a two-step process:

Complete the Change Request: Add an Account Owner form on our web site, the link below will take you directly to the form:

Change Request-Add an Account Owner.pdf

Step 2: Return the completed Change Request: Add an Account Owner request for processing by;

  1. Mail to: UFB Direct P.O. Box 509127, San Diego, CA 92150-9948
  2. Fax to: 858-350-0443; or
  3. Sending a secure message via Online Banking with the form attached

Your request will be processed within one business day on receipt of the Change Request: Add an Account Owner form.

How do I close my account?

Instructions for closing an account may be submitted using any of the following methods:

  1. By calling Customer Service at 1-877-472-9200;
  2. Fax a signed request providing the account number and your instructions to; 858-350-0443;
  3. Send a secure message through Online Banking, stating the account number and your instructions; or
  4. Mail a signed request providing the account number and your instructions to Bank of Internet USA, P.O. Box 509127, San Diego, CA 92150-9948.

Disputes

I don’t recognize a transaction on my account. How do I dispute the charge?

If you do not recognize a transaction on your account, please contact the Bank immediately. We will begin investigating any unauthorized transactions immediately. At anytime we may request you to complete the Bank’s ATM/Debit Card dispute form, located by using the following link;

atm-debit-card-dispute-affidavit.pdf

How long will my dispute take?

We will advise you of the results of our investigation within 10 business days after we hear from you, and if we have made an error, it will be corrected promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question (90 days for transactions at a point of sale terminal or outside of the United States). If we decide to do this, we will provisionally recredit your Account within 10 days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

Beneficiaries

How do I add a beneficiary to my accounts?

The beneficiary designation may be modified or deleted at any time as the beneficiary is not an authorized owner or signer. You can choose the most convenient option below to fulfill this request:

  1. Send a request through secure email in Online Banking providing the beneficiary name and date of birth.
  2. Complete the Consumer Account Vesting Change form (front page and Section C) and mail to BofI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948 or; fax to us at 858-350-0443.
  3. Provide a signed written request providing the beneficiary name and date of birth and mail to BofI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948 or; fax to 858-350-0443.

Can I change my beneficiaries?

The beneficiary designation may be modified or deleted at any time as the beneficiary is not an authorized owner or signer. You can choose the most convenient option below to fulfill this request:

  1. Send a request through secure email in Online Banking providing the beneficiary name and date of birth.
  2. Complete the Consumer Account Vesting Change form (front page and Section C) and mail to BOFI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948 or; fax to us at 858-350-0443.
  3. Provide a signed written request providing the beneficiary name and date of birth and mail to BOFI Federal Bank P.O. Box 509127, San Diego, CA 92150-9948 or; fax to 858-350-0443.

Wires

How do I send or receive a wire?

Sending a wire out from UFB Direct
To send an outbound wire, please complete our Wire Form and fax it to 1-858-350-0443. Outbound wires must be to the credit of the UFB Direct account holder.

Wire cut-off times:
Domestic – 12:00 p.m. (PT)
International – 12:00 p.m. (PT)

Wiring funds into UFB Direct
To wire funds into a UFB Direct account you will need the following information:

UFB Direct ABA/Routing Transit Number – 122287251

Address:
UFB Direct
4350 La Jolla Village Drive, Suite 140
San Diego, CA 92122

Incoming international wires must be in US dollars. Our intermediary Bank Information is as follows:

Pacific Coast Bankers' Bank
San Francisco, CA 94104

SWIFT Code: PCBBUS66
ABA Number: 121042484

Ensure the wire is to the benefit of your name and your account number at UFB Direct. Wire cut-off time for same day processing: 1:00 p.m. (PT).

Should you or your bank have any questions, please contact Customer Service at 1-877-472-9200.

Overdraft Protection

How do I apply for Overdraft Protection?

With Overdraft Protection from UFB Direct, your important check doesn’t bounce at all. It’s exactly the peace of mind you need. Best of all, if you never use our Overdraft Protection, it doesn’t cost you a thing.

Overdraft protection by linking accounts

Link your to your or , Use the balance in the linked account to cover the shortfall in your online checking account (up to the full balance of the linked account).

To set up: log in to your account and send us a secure message indicating the last 5 digits of the two account numbers you would like to have linked together. (Regulations limit savings and money markets accounts to a maximum of 6 transactions per month.)

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