Is UFB Direct FDIC insured and financially sound?

UFB Direct is a division of BofI Federal Bank, an FDIC insured financial institution established in 1999. You can review all financials and recent news at . Bank products and services are offered by UFB Direct, a division of BofI Federal Bank. UFB Direct and other BofI Federal Bank accounts are not separately insured by FDIC. To calculate your insurance coverage, use the FDIC online Electronic Deposit Insurance Estimator at: .

Do I have to have access to a computer and an email address to have an account?

Yes. As an internet-based bank, UFB Direct requires you to have a current email address and access to a computer. When you apply for an account with UFB Direct, you are asked to give your consent to receive communication and information in electronic form. UFB Direct is able to offer competitive rates and accounts due to the fact that we save money on being a branchless bank and do not send out paper communication.

What are the fees associated with the accounts?

UFB Direct fees are listed on our

I am following the instructions on the email to get my Signature Card but the system is opening a new application. How do I get my Signature Card?

The Signature Card is available from the original application anytime before the opening deposit for the new account is received. After the opening deposit is completed, we invite you to request a copy of your Signature Card by either of the following methods;

  • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email link. An associate will reply to your request with your Signature Card attached.
  • Phone – contact Customer Service at 1-877-472-9200.

Account Applications

My account application is under review. What is the next step?

UFB Direct will contact you by email or phone within one business day regarding your online application advising you what requirements are needed to complete the online account process.

How do I open an account?

From the Home Page, select your product and then Click the OPEN ACCOUNT button and follow the instructions to complete your online account application.

You can only open an account online. At this time, UFB Direct does not accept account applications via the telephone or email. This allows us to pass on these cost savings to provide competitive rates and fee free product features to you.

I do not live in the United States. Can I open an account with UFB Direct?

We accept applications from US residents who have a valid State Identification Card and a Social Security/Tax identification number.

Deposit Options

How do I make deposits into my account?

  • Deposit checks with the UFB Direct mobile app* or scan a check via MyDeposit* in Online Banking
  • Have your financial institution initiate a transfer of money to our Bank or send a wire to our bank using the UFB Direct routing and transit number: 122287251
  • Online Banking External Funds Transfer (Checking & Money Market Savings accounts only)
  • Mail in a check to:

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

*not available to fund Certificates of Deposit.

How do I order deposit slips?

  • For all account types we offer a convenient printable deposit slip – Universal Deposit Slip
  • We offer an online deposit slip and envelope request form for Checking and Savings accounts – Order Deposit Slips and Envelopes
  • Deposit checks with the UFB Direct mobile app or scan a check via MyDeposit in Online Banking

Customer Service

How do I contact UFB Direct?

There are many ways that you can contact UFB Direct:

  • Secure message – log into your account, click on the Contact Us tab and then click on Click here to send an email.
  • Phone: Contact Customer Service at 1-877-472-9200.
  • Fax: UFB Direct at 1-858-350-0443.
  • USPS to:

    UFB Direct
    P.O. Box 509127
    San Diego, CA 92150-9948
  • Click the Contact Us tab and then click Email. Please note this is not a secure message facility and we strongly recommend that you never send confidential information using this method.
  • Email us at . Please note, unless you use secure messaging functionality, we strongly recommend that you never send confidential information using regular email.

Checks/Debit Card

How do I order checks for my account?

UFB Direct will send an initial starter kit of checks free of charge if you order them during the application process. Otherwise you can re-order checks online using the following directions:

  • Log into your account
  • Hover over the Additional Services tab
  • Click on Check Reorder
  • Select the account from the drop down menu
  • Click the Enter button
  • Follow the on screen prompts to complete the re-order

What are the ATM/Debit card daily limits?

The daily limits for ATM/Debit cards are:

  • Cash withdrawal from an ATM using an ATM card - $510.00
  • Point-of-sale transaction using your ATM card - $500.00
  • Cash withdrawal from an ATM using a Visa® Debit card - $1,010.00
  • Point-of-sale transaction using your Visa® Debit card - $2,500.00

I just opened a new account, when will my debit card be issued?

Your Visa® Debit card and PIN are issued the day after a new account application is approved. For security purposes, the Visa® Debit card and PIN are sent from separate distribution centers and will arrive in the mail (separately) within 10 business days from the issue date.

I just opened a new account, when will my checks be issued?

Your initial pack of checks will be sent by Parcel USPS delivery the day after the Bank receives the new account Signature Card. Please allow 11-14 business days for your check order to be delivered.

How do I customize my debit card PIN?

The PIN mailer assigned to your Visa® Debit card will include a reference number. This reference number is what allows a customer to choose their own PIN.

The reference number for newly issued PINs is valid for thirty (30) calendar days after the issue date. Once a new PIN is created, the new PIN will not become effective for at least one hour.

Simply call (855) 584-1267 (this number is included in the PIN mailer) and enter the reference number to change your PIN.

Trust/Minor Accounts

Do you offer accounts for minors?

A minor may have a Savings Account opened by a custodian who must be at least 18 years of age, have a valid social security number, and be a U.S. resident. Opening an account for a minor is a two-step process;

Step 1: The custodian will apply as individual owner.

Step 2: After the account has been approved and opened, A Change Request - Uniform Transfer to Minors form must be submitted. Here is a direct link to the Uniform Transfers to Minors form located on our website:

Change Request - Uniform Transfers to Minors

How do I open a Trust Account?

Opening an account for a trust is a two-step process:

Step 1: The trustee(s) will apply for a new account as individual owner(s).

Step 2: After the account has been approved and opened, a Certification of Trust form must be submitted. You may use the link provided to access the Certification of Trust form;

certification-of-trust.pdf

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