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Airline Rewards Checking

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Open a UFB Direct® Airline Rewards Checking account.1


Earn rewards for everyday banking

Checking that provides you with Airline Rewards and free Purchase Rewards!

Earn airline rewards when you open an account, use your debit card and have direct deposit!

How does this sound?

  • Earn rewards for everyday banking:
  • 1 mile/point for every $2.00 Point of Sale (POS) debit transaction posted to your account.

    You’ll earn a one-time additional 1,000 Miles/Points after having a direct deposit totaling $1,000 or more in one calendar month.

    Earning miles/points is automatic — when opening your account you just select your participating Airline* and enter your Mileage Rewards number. Your airline miles accumulate as you use your debit card for Point of Sale (POS) transactions. Limited to earning 120,000 Miles/Points per calendar year.

    UFB Direct may add more participating airlines in the future

  • Enjoy the convenience of no minimum balance requirement and no monthly maintenance fee.
  • Minimum deposit to open an account is $100.
  • Unlimited ATM reimbursements (excludes international transactions) - if you aren't near an ATM, you can get cash back when you shop at most grocery stores, gas stations and super stores and pay no fees.
  • Free Purchase Rewards - save time and money - get cash back when you shop
  • Free online banking with free bill-pay, mobile banking, email and text messaging alerts.
  • Free Person to Person Transfers Popmoney
  • Free online transfers between your UFB Direct accounts (for example, from your Airline Rewards Checking to your Airline Rewards Savings), and free external transfers from your Airline Rewards Checking.
  • Free Mobile Deposit - Deposit checks instantly 24/7 wherever you and your phone go.
  • Free MyDeposit - Deposit checks instantly from the comfort of your home or office
  • Free FinanceWorks™ powered by Quicken, an easy budgeting tool
  • First Order of Personal (50-pack) Checks Free (If ordered at account opening)
  • Free postage-paid envelopes
  • Overdraft protection available
Open An Account

Turn everyday purchases into cash.
Let us show you how.

Did you know? You're eligible for exclusive cash back offers when using your UFB Direct Visa® Debit Card at the types of places you like to shop.


How it works...

Purchase Rewards

to activate exclusive cash back offers at the places you like to shop.

Purchase Rewards

online or in stores to redeem your offers by paying with your card. No coupons needed!

Purchase Rewards

auto cash back – deposited right into your account at the end of next month.

Purchase Rewards 

Log in to UFB Direct at www.mybofifederalbank.com and let the savings begin.

Purchase Rewards  Purchase Rewards Demo

If you have questions, please don’t hesitate to contact us by email at customerservice@ufbdirect.com or call us toll free on 1-877-472-9200.

View Purchase Rewards video here.

What do you want to know?

UFB Direct is here to make your banking experience as simple and convenient as possible. If you have any questions about the Rewards Checking account, chances are, we’ve answered them here. You can access a more comprehensive list of FAQs by clicking here. Alternatively, you can ask us a question by contacting us here.

How do I redeem my airline rewards points?
You contact your airline rewards provider directly.
What information do I need to open a UFB Direct Rewards Checking account?
You will need the following information to complete an online application:
  • Your social security number along with a valid US driver’s license or state-issued identification
  • Your primary contact information, including mailing address, telephone number(s) and email address
  • The details of the account you are transferring money from to open this account – you will be making your initial deposit electronically.
  • If this is a joint account, we will need the above information for each account owner.
Click here to open an account
How do I fund an account?
An account can be funded in one of the following ways:
  • ACH instructions may be entered into the account application
  • Deposit checks with BofI Federal Bank’s mobile app or scan a check via MyDeposit in Online Banking
  • Have your financial institution initiate a transfer of money to our Bank. The BofI Federal Bank ABA/Routing Number is: 122287251
  • Mail a check to: UFB Direct, P.O. Box 509127, San Diego, CA 92150-9948
  • Wire funds from another institution

Who do I make checks payable to when depositing to my account?
You can make your check payable to UFB Direct or to yourself. In addition you can endorse the back of the check “For Deposit Only” followed by your signature and the account number.
When will I receive my new Visa® Debit card and Checks?
Your free Visa® Debit card and free initial 50-pack of checks will arrive in the mail (separately) within 10 business days after we receive your opening deposit and your completed Signature Card.
How do I order checks?

UFB Direct will send an initial starter kit containing 50 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 Order Your Checks Today
  • Select the account from the drop down menu
  • Click the Enter button
  • Follow the on screen prompts to complete the re-order

How can I access/manage my money in the UFB Direct account?
You can access your online bank account, make payments, or move your money in a variety of ways:
  • Use your Visa® Debit card or checks for purchases and payments
  • Pay your bills using our free Bill Pay service
  • Get cash from any ATM nationwide (no matter which bank)
  • Access your accounts through our Mobile banking service and use many of the same features as Online Banking;
  • You can transfer money between your UFB Direct accounts or to/from a bank account at another institution
  • Deposit checks with BofI Federal Bank’s mobile app or scan a check via MyDeposit in Online Banking

What ATMs can I use with UFB Direct?
With a UFB Direct online bank account, you can use any ATM nationwide1

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 - $310.
  • Cash withdrawal from an ATM using a Visa® Debit card - $500.00
  • Point-of-sale transaction using your Visa® Debit card - $1,500.00

When will my interest be calculated?
At the time of your statement cycle date we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle.

Peace of Mind vs. In A Bind

What happens if you accidentally bounce an important check? 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.

Choose from two types of Overdraft Protection:

Option 1: Overdraft Line of Credit

We’ll advance funds to your online checking account to cover an overdrawn check, up to the limit of your line of credit. Unlike many banks, we don’t charge an advance fee.

For current accounts, get an application form here, then fax or mail the completed form.

Option 2: Overdraft protection by linking accounts

Link your online checking account to an online savings account. 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.)

Open An Account

What do you want to know?

UFB Direct is here to make your banking experience as simple and convenient as possible. If you have any questions about the Rewards Checking account, chances are, we’ve answered them here. You can access a more comprehensive list of FAQs by clicking here. Alternatively, you can ask us a question by contacting us here.

What information do I need to open a UFB Direct Rewards Checking account?
You will need the following information to complete an online application:
  • Your social security number along with a valid US driver’s license or state-issued identification
  • Your primary contact information, including mailing address, telephone number(s) and email address
  • The details of the account you are transferring money from to open this account – you will be making your initial deposit electronically.
  • If this is a joint account, we will need the above information for each account owner.
Click here to open an account
How do I fund an account?
An account can be funded in one of the following ways:
  • ACH instructions may be entered into the account application
  • Deposit checks with BofI Federal Bank’s mobile app or scan a check via MyDeposit in Online Banking
  • Have your financial institution initiate a transfer of money to our Bank. The BofI Federal Bank ABA/Routing Number is: 122287251
  • Mail a check to: UFB Direct, P.O. Box 509127, San Diego, CA 92150-9948
  • Wire funds from another institution

Who do I make checks payable to when depositing to my account?
You can make your check payable to UFB Direct or to yourself. In addition you can endorse the back of the check “For Deposit Only” followed by your signature and the account number.
When will I receive my new Visa® Debit card and Checks?
Your free Visa® Debit card and free initial 50-pack of checks will arrive in the mail (separately) within 10 business days after we receive your opening deposit and your completed Signature Card.
How do I order checks?

UFB Direct will send an initial starter kit containing 50 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 Order Your Checks Today
  • Select the account from the drop down menu
  • Click the Enter button
  • Follow the on screen prompts to complete the re-order

How can I access/manage my money in the UFB Direct account?
You can access your online bank account, make payments, or move your money in a variety of ways:
  • Use your Visa® Debit card or checks for purchases and payments
  • Pay your bills using our free Bill Pay service
  • Get cash from any ATM nationwide (no matter which bank)
  • Access your accounts through our Mobile banking service and use many of the same features as Online Banking;
  • You can transfer money between your UFB Direct accounts or to/from a bank account at another institution
  • Deposit checks with BofI Federal Bank’s mobile app or scan a check via MyDeposit in Online Banking

What ATMs can I use with UFB Direct?
With a UFB Direct online bank account, you can use any ATM nationwide1

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 - $310.
  • Cash withdrawal from an ATM using a Visa® Debit card - $500.00
  • Point-of-sale transaction using your Visa® Debit card - $1,500.00

When will my interest be calculated?
At the time of your statement cycle date we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle.

Mobile Deposit
UFB Direct Popmoney
UFB Direct Mobile Banking

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Bank products and services are offered by BofI Federal Bank. All deposit accounts through BofI Federal Bank brands are FDIC insured through BofI Federal Bank. All deposit accounts of the same ownership and / or vesting held at BofI Federal Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through BofI Federal Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and / or vesting at BofI Federal Bank. For more information click here.